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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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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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]
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