We’ll Be glad to explain your Maryland and Virginia insurance policies

Need help understanding your insurance coverage if you live in Maryland or Virginia)?  Most coverages you need are automatically provided by your policy. But, there are some coverages which are optional or are specifically limited or excluded because not everyone needs them. Following are some items for which we can provide coverage – should you […]

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Get to know Connie Phillips Insurance

We feel that it is important for you to have an understanding of the services provided by Connie Phillips Insurance, Inc.  The quotation on the insurance account is only the beginning.  The following services will be performed for you by Connie Phillips Insurance, Inc. REVIEW your current insurance program.  Explore options to make your program […]

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Workers’ Compensation for Maryland, DC and Virginia

I am asked time and time again about workers’ compensation and how it works.  The workers’ compensation system varies from state to state.  Employers must purchase workers compensation insurance to comply with state law.  More importantly, the policy provides benefits to their employees who have suffered a work-related injury or illness. Here are some state […]

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Top 7 Safety Tips for Smokers

Whether you live in Maryland, Virginia or across the United States, taking safety precautions apply to all smokers. Fire risk from smoking materials are still the leading cause of fire deaths, according to the National Fire Protection Association (NFPA). NFPA recommends some safety precautions that homeowners can take to reduce the risk of cigarette–related fires […]

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Maryland Personal Information Protection Act

The Maryland Personal Information Protection Act was amended in May 2017. The changes became effective on Jan. 1, 2018. The amended Maryland Personal Information Protection Act have the following changes: The new law expands the definition of personal information Requires notification of the breach to be done within a 45-day timeframe Allows for an alternative notification by […]

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Maryland Smoke Alarm Law

Are you aware of the new law in Maryland concerning smoke detectors that require compliance by January 1, 2018? The Smoke-Alarm Law, went into effect on July 1, 2013, and requires compliance by January 1, 2018. It requires homeowners and landlords to replace 9-volt battery operated smoke detectors with newer models that lasts 10 years. […]

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Whether you call it Data Breach, Cyber Liability or Cyber Security Liability, you should be familiar with these terms.

Whether you are in Maryland, DC or Virginia, here are coverage types and descriptions for Cyber Liability Insurance, Cyber Security Liability Insurance and Data Breach Insurance policies.   Technology E&O –    Technology Protection provides insurance coverage for claims that typically   arise from the failure to perform your business activities for a client to the required […]

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AS A UNITOWNER, WHAT TYPE OF CONDOMINIUM INSURANCE DO YOU NEED IN MARYLAND?

CONDOMINIUM UNIT OWNERS HOMEOWNERS INSURANCE  HO-6 Prior to purchasing an HO-6 insurance policy, analyze the bylaws & declarations of your condominium. From this analysis, you can see the protection that you are lacking and will need.  An HO-6 policy is an essential component for the replacement of your personal property, improvements and betterments and personal […]

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Business Insurance – Property and General Liability Insurance

From retail stores to offices to contractors to restaurants and garages, every business needs business insurance. If you lease or own property, you will need to obtain business property insurance to cover your building, business contents, special equipment, inventory, improvements and betterments.  While the insurance policy provides coverage for fire, lightning, weight of ice and […]

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