Top 10 Costly Insurance Mistakes made by Condominium Associations

10 Insurance Mistakes That Cost Condo Associations Thousands Managing a condominium association or homeowners association comes with significant responsibility. From maintaining common areas to protecting the association’s financial health, insurance plays a critical role in minimizing risk. Unfortunately, many condo boards and property managers discover coverage gaps only after a costly claim occurs. Below are […]

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Back-to-School Safety Tips and School Bus Laws

Back-to-School Safety Tips and School Bus Laws Every Driver Should Know As families prepare for the new school year, back-to-school safety should be a top priority. With more children walking, biking, and riding school buses, understanding school bus safety rules, school zone safety, and school bus stop laws can help prevent accidents and keep students […]

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Cyber Insurance & Ransomware Protection for Businesses

Cyber Threats Aren’t Slowing Down:  What Businesses Need to Know in 2026 If you were hoping cybercriminal activity would begin to taper off in 2026, the latest cyber claims data tells a different story. Ransomware attacks, social engineering fraud, and business email compromise incidents continue to rise, creating significant financial and operational risks for businesses […]

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Understand the Risk of Deed or Title Fraud

Title Deed Fraud: What Every Property Owner Needs to Know Property ownership is often one of the largest investments a person will make. Unfortunately, criminals are increasingly targeting homeowners through title and deed fraud, a form of real estate theft that can create significant financial and legal challenges. Understanding how these scams work and taking […]

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Buying Insurance in the Age of Artificial Intelligence (AI)

A Guide to Smart and Safe Decisions Artificial Intelligence (AI) is transforming the way consumers interact with many services, and insurance is no exception. While AI can streamline the insurance process, and even help you find the best coverage, it’s crucial to be aware of the potential pitfalls and proceed with caution. Here’s a guide […]

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Maryland’s New “Plate Where You Live” Law

What Residents Need to Know Before Fines Begin If you live in Maryland but still drive a vehicle with out-of-state license plates, it’s time to take action. The Maryland Motor Vehicle Administration (MVA) is strengthening enforcement of existing vehicle registration laws through its “Plate Where You Live” initiative, aimed at ensuring residents properly title and […]

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Underground Service Line Coverage

Why Underground Service Line Coverage Matters More Than You Think When most homeowners think about insurance, they picture the roof over their head, the walls around them, and the belongings inside. But some of the most expensive risks on your property are actually underground—and they’re often overlooked until something goes wrong. Underground service line coverage […]

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Happy Retirement to Dianne Perrey

Dear Valued Clients and Colleagues, After many wonderful years serving you, I am pleased to announce that I have officially retired. It has been an absolute privilege to work with each of you, and I am truly grateful for the trust you’ve placed in me over the years. Please note that my emails will continue […]

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Maryland Paid Family & Medical Leave: State Plan vs. Private Plan

Maryland’s Paid Family and Medical Leave Insurance (FAMLI) program—created under the Time to Care Act—will soon provide workers with paid, job-protected leave for major life events. With payroll contributions starting January 1, 2027, and benefits expected to begin in 2028, employers now face an important decision: Stick with the State Plan—or apply for a Private […]

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Historic Heat Wave from July 1, to July 5, 2026

As the east coast prepares for a historic heat wave from July 1 through July 5, it is important for employers, workers, and families to take extra precautions. In Maryland, Governor Wes Moore declared a State of Preparedness on June 30 in response to forecasted dangerous heat and humidity across the state. These conditions can […]

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