Have you heard of quiet cracking in the workplace? There’s a workplace phenomenon gaining traction across industries — and it’s creating Employment Practices Liability (EPL) exposures that many employers aren’t prepared for. Quiet cracking is a workplace phenomenon describing employees who are burned out, overwhelmed, and silently disengaging, but stay at their jobs due to […]
Read More
The 4th of July is a time for fireworks, family cookouts, pool parties, and patriotic fun. While it’s a day to celebrate freedom, it’s also important to keep safety front and center—especially when it comes to fire hazards, crowds, and water activities. Here’s a helpful guide to ensure your Independence Day is both fun and […]
Read More
What happens if a claim exceeds the limits of your current insurance? That’s where Umbrella Coverage (Excess Liability) comes in. https://www.insurance-financial.net/personal-umbrella-insurance/ It adds an extra layer of protection on top of your home, auto, boat and other policies—stepping in when those limits are exhausted. And in today’s world, where lawsuits and legal costs continue to […]
Read More
In today’s digital world, every business—big or small—is a target for cyber threats. From ransomware to data breaches, cyberattacks are no longer a question of if, but when. Even a single cyber incident can cost thousands—or more—and disrupt your operations. 1. Cyberattacks Are on the Rise Cybercrime continues to grow rapidly, and small to mid-sized […]
Read More
Your farm is not just acreage and equipment; it is your livelihood. One storm, one equipment breakdown, or one unexpected liability claim can disrupt everything. That is why farmers across our region turn to Connie Phillips Insurance for protection built around the real risks of modern agriculture. We do not offer one‑size‑fits‑all policies. We build […]
Read MoreAs electric vehicle (EV) adoption continues to accelerate across the Maryland community associations are seeing a surge in requests for charging station installations. Under Maryland law, boards are required to approve these requests provided they meet specific criteria. However, “Right to Charge” does not mean “Free to Charge.” Maryland law gives associations powerful tools to […]
Read More
The Federal Motor Carrier Safety Administration (FMCSA) is rolling out the most significant modernization of its registration systems in decades. The new registration system —Motus—is designed to replace a patchwork of outdated systems with a single, streamlined, and secure portal for managing FMCSA registrations. If you’re a motor carrier or otherwise regulated by FMCSA, Motus […]
Read More
Large jury awards—often called nuclear verdicts—are becoming more common, and a recent case in Florida is a powerful reminder of how quickly a simple maintenance issue can turn into a multimillion dollar liability claim. In late 2024, a Florida jury awarded more than $11.3 million to a shopper who fractured her ankle after tripping on […]
Read More
Were you gifted with something sparkly or sentimental this Holiday Season? Here’s How to Protect Them All Year Long The holiday season has a way of bringing magic into our homes — twinkling lights, family gatherings, and sometimes even a little extra sparkle under the tree. If you were blessed this holiday with a new piece […]
Read More
At Connie Phillips Insurance, we know your pets are more than just animals—they’re family. That’s why we’re excited to offer Pet Insurance that helps you care for your furry companions without worrying about unexpected vet bills. But did you know that bundling your Pet Insurance with your Homeowners and Auto Insurance can save you money […]
Read More