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 […]
Read MoreWorkers’ 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 […]
Read MoreTop 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 […]
Read MoreMaryland 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 […]
Read MoreMaryland 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. […]
Read MoreWhether 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 […]
Read MoreAS 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 […]
Read MoreBusiness 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 […]
Read MoreBusiness Auto Insurance and Personal Auto Insurance impacted by Maryland Law
MARYLAND LAW EFFECTIVE 7-1-17 — $50 FINE FOR DRIVING WITHOUT PROOF OF INSURANCE (AUTO ID CARD) The $50 fine associated with Maryland’s requirement to carry a valid insurance card will be enforced beginning on July 1 of this year. This law took effect last October, but the state allowed a brief introduction period where warnings […]
Read MoreSnow Removal of Parking Lot on HOA’s and POA’s
By: Connie Phillips As the winter quickly approaches, being prepared for snow removal from HOA and POA parking lots and community roads is very important. Associations are responsible for the snow removal. City or county requirements may differ so be sure that you, as a board member or Association Manager are aware of the requirements […]
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