Beneath the charming skyline of clustered spires and the vibrant growth of its communities, Frederick, Maryland, is a city on the move. A thriving economy, a burgeoning population, and a steady influx of new homes and businesses paint a picture of prosperity. However, these very indicators of success are contributing to a growing concern […]
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I wanted to share a quick checklist of items to do in preparation for upcoming hurricane and high winds: Prepare ahead of time with an emergency kit and know what to do during and after the storm. Check your gutters and downspouts and clear them of any debris to prevent water damage. If you own […]
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No one wants to pay more than they have to, especially regarding auto insurance. That’s why tips that can help lower your premium are among the most valuable we dish out. But the most valuable way to lower your auto bill may surprise you: Drive safely. 🚦 No, seriously. Let’s break it down: 🔹 Fewer […]
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When you’re a homeowner, you have a lot to protect. Your homeowner’s policy helps protect your property and possessions if an accident happens. Be sure to review your property coverages and insure your home for reconstruction costs. Have you agent provide you with a replacement cost estimate. Your homeowners policy will also provide help if […]
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WHAT ARE CYBER INSURANCE UNDERWRITERS LOOKING FOR? Below is a list of cyber risk management strategies that underwriters are currently evaluating to assess an organization’s cyber insurability, pricing, and coverage scope. These are grouped based on current underwriting standards amongst a cross-section of markets. It is important to note that minimum standards vary, depending on […]
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Cybersecurity in 2025: You need Cyber Security Liability Insurance As cyber threats evolve in complexity and frequency, the need for robust cyber insurance has never been more pressing. Drawing insights from two recent publications—Cyber Insurance Journal https://www.insurancejournal.com/cyber/and Travelers’ 2025 Q1 Cyber Threat Report https://investor.travelers.com/newsroom/press-releases/news-details/2025/Travelers-Publishes-Cyber-Threat-Report-Highlighting-an-Increase-in-Ransomware-Activity/default.aspx —this blog explores the intersection of rising cyber risks and […]
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As hurricane season approaches, homeowners and business owners along coastal and storm-prone areas are reminded of the unpredictable and often devastating impact these natural disasters can bring. While stocking up on supplies and reviewing evacuation routes are essential parts of hurricane prep, one of the most critical—but often overlooked—steps is reviewing and updating your insurance […]
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DID YOU KNOW THAT MOST DIRECTORS AND OFFICERS LIABILITY POLICIES REQUIRE YOU TO DO THE FOLLOWING? Maintain updated certificates of any hired contractor for General Liability and Workers Compensation insurance. General Liability insurance – recommended limit of $1,000,000. Have a signed contract with all contractors that will include a hold harmless clause (sample below) that […]
Read MoreFarm 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 […]
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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 […]
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