Farm insurance is especially important as we approach spring as the season brings a mix of opportunities and risks for farmers. Here’s why: Weather-Related Risks Spring is known for unpredictable weather—late frosts, heavy rains, flooding, and even tornadoes. Crop and livestock insurance can help protect against these risks. Planting Season Coverage Spring is the start […]
Read MoreThe Basics of Cyber Safety
Everyone is online these days. Even if your business isn’t a digital enterprise, odds are you have a website, email address, and probably social media. Just as your physical presence requires a safety strategy to minimize risk, your digital presence needs a set of guidelines to reduce the chances of web-based dangers. Starting your cyber […]
Read MoreDo you need contractors Errors and Omission Coverage?
Contractors need professional liability insurance (also known as Errors and Omissions Insurance) to protect themselves from claims related to mistakes, negligence, or incomplete work in their professional services. This type of insurance can be crucial for several reasons and may be relatively inexpensive to add to your General Liability Policy: Mistakes and Oversights: Even the […]
Read MoreInsurance Carriers Tighten Roof Guidelines
What Homeowners Need to Know In recent years, insurance carriers have been tightening their roof guidelines, making it more challenging for homeowners to get coverage for roof-related claims. This shift is driven by a combination of factors, including increased storm damage, rising repair costs, and fraudulent claims. Why the Change? The primary reason for the […]
Read MoreBe Prepared for the Winter Blast – Winter-Proofing Your Home
When the mercury dips and the cold weather sets in, our homes become our sanctuaries against the chill. However, to ensure your house remains a warm and safe refuge, some preparations are necessary. Here’s a rundown of essential tasks and items to winter-proof your home. Seal Gaps and Cracks One of the primary culprits of […]
Read MoreCORPORATE TRANSPARENCY ACT (CTA)
CORPORATE TRANSPARENCY ACT (CTA) –Deadline of 1-1-25 is fast approaching! The purpose is to detect and combat money laundering and terrorist finance along with tracking the money. It is meant to safeguard our national security and US Financial System. The Act came into effect in January 2024 and businesses are expected to file a Beneficial […]
Read MoreMaryland Health and Medicare Open Enrollment for 2024
Maryland Health and Medicare Open Enrollment for 2024: What You Need to Know. As the leaves change and the year draws to a close, it’s time to think about your health coverage for the upcoming year. Open Enrollment for 2024 is just around the corner, and it’s crucial to be prepared. Here’s everything you need […]
Read MoreA review of the HO6 Condominium Homeowners policy
Dwelling or Building Property Coverage Shown on the policy as Coverage A: Depending on your condo association’s master policy, you might need this to cover the interior of your unit, including fixtures, appliances, and any improvements you’ve made Do I have improvements and betterments that need to be insured? Do I have coverage for water/sewer/backup? […]
Read MoreEmployer Benefit Package- offer benefits to your employees
Employee benefits can help attract and retain employees, and some studies show that employees are more likely to stay with an employer because of their benefits: Studies found that 75% of employees are more likely to stay with an employer due to benefits package provided Are you a small company? Do you have employees saying […]
Read MoreNotices required under the Patient Protection and Affordable Care Act of March 23, 2010
Notices required under the Patient Protection and Affordable Care Act of March 23, 2010 (PPACA) and the required ERISA Notices. In disclosing these documents to your employees, the Department of Labor has set forth certain regulations regarding these disclosures. Disclosure rules are summarized in the attached “Distributing Your Notices” document. IMPORTANT PATIENT PROTECTION AND AFFORDABLE […]
Read More