In December 2019, the Internal Revenue Service (IRS) released an updated version of its W-4 form. Employers use the form to determine each employee’s federal tax withholdings. Highlights The new form will prompt employees to declare whether they have multiple sources of income (two jobs, two-earner households). New employees who fail to submit a Form…
An employee manual not only sets the stage for your company’s culture, vision, vibe, and rules of the road, but it also establishes your intention to communicate clearly. Also, certain elements within the handbook—such as perks, compensation, benefits, and a safe work environment—are essential for the retention of employees. This guide provided by The Hartford…
Depending on the age and condition of your home, calculating the insurance value or reconstruction cost, can be a complicated process. These tips from The Cincinnati Insurance Companies provide you with information to better understand the valuation process. What is reconstruction cost? Reconstruction cost, or replacement cost, is the cost to hire a contractor to…
Congress must periodically renew the NFIP’s statutory authority to operate. On December 20, 2019, the President signed legislation passed by Congress that extends the National Flood Insurance Program’s (NFIP’s) authorization to September 30, 2020. Congress must now reauthorize the NFIP by no later than 11:59 pm on September 30, 2020. FEMA and Congress have never failed…
Fire safety knowledge along with practice will allow you and your family to live in confidence that if a fire occurs, you are prepared. Check out these tips provided by The Cincinnati Insurance Companies. Develop an emergency plan Create a map that includes escape routes from each room of your home. Know at least two…
The Federal Motor Carrier Safety Administration (FMCSA) announced Dec 27th that it is doubling the minimum annual percentage rate for random controlled substances testing for commercial motor vehicle drivers. The current rate of 25% of the average number of driver positions will be increased to 50%. The FMCSA is required to increase testing when data…
Giving a road test to an applicant seeking employment can be one of the best ways to determine whether the individual will be a safe hire. When conducting a road test, you can spot poor driving habits that may translate into serious crashes if the behaviors are not corrected. Watch how a pre-trip inspection is…
Slips, trips and falls are some of the most common liabilities related to your property. These hazards are especially concerning, as accidents can occur both indoors and outdoors on your property. Be sure you are prepared when icy conditions occur. Keep walkways, hallways and stairways clean and dry at all times. Develop and implement a…
This year, make a couple of emergency planning resolutions. Resolve to be prepared. Make an emergency plan: choose a safe place to meet, learn evacuation routes, and establish an out-of-town contact. Take a current photo of you and your pet together in case you get separated during a disaster. Get to know your neighbor and invite…
Dreading the holiday decor cleanup? Check out these tips to help make the post-holiday cleanup easier. Take pictures of your decorations before taking anything down. They’ll be a great reference when you’re planning next year’s displays. Start taking the non-breakables off of the tree first. Put them in their own box. No need to take…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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