Contractual risk transfer (CRT) is a risk management technique that allows a business to shift potential liability to another party through a noninsurance contract or agreement. This mechanism aims to transfer risk to the party that is better equipped to manage and control it. While insurance is the most common method of risk transfer, CRT…
The 2023 Legislative Session in Annapolis has ended and the Community Association Institute MD-Legislative Action Committee (CAI MD-LAC) screened more than 3,000 bills introduced and tracked 87 that were of interest to the Community Association community. Effective Oct. 1, 2023, Maryland HB98/SB403 allows detached condominium units to obtain property insurance coverage as HOAs, with unit owners…
Phishing is a cyberattack technique that utilizes deceptive emails or other electronic communication to manipulate recipients into sharing sensitive information, clicking on malicious links or opening harmful attachments. Emails are a top delivery method for phishing attempts, but cybercriminals may also use text messages, social media messages, fake or misleading websites, voicemails or even live…
As much of the world discovered during the COVID-19 pandemic, commercial freight carriers are the lifeblood of the global economy. If freight doesn’t move efficiently, you end up with product shortages and soaring prices. Commercial freight carriers face an enormous amount of pressure to keep goods moving, no matter what it takes. Doing so creates…
When an employee becomes sick, has a disability or must take leave to support their family, they may be entitled to legal protections under the Americans with Disabilities Act (ADA), the Family and Medical Leave Act (FMLA), or both, in some situations. While the ADA and FMLA support employees with physical or mental health conditions,…
BREAKING NEWS: Couple Sues Eataly Boston After Woman Slips on Stray Piece of Prosciutto, Fractures Ankle and Claims ‘Great Pain and Suffering’ Court documents state that medical expenses exceeded $7,500. The couple is seeking damages amounting to $50,000. The lawsuit claims that Eataly was negligent for “failing to ensure that the floor was safe,” not…
Residential roofing includes working from heights, operating power tools, handling electrical equipment and being near power lines, coming in contact with hazardous substances, and encountering extreme weather conditions, sometimes all at once! Anyone installing, repairing or maintaining residential roofing should be aware of these best practices to help protect yourself. Working From Heights When working…
Research scientists at Colorado State University recently updated their projections, and are now expecting “above average” tropical cyclone activity during the 2023 Atlantic Hurricane Season (June 1 – Nov. 30.) Many community associations activate an emergency plan as a hurricane approaches. But just how thorough is yours? Download our Hurricane Preparedness Guide to help keep your family safe…
Each year, hurricane season presents a significant risk to homeowners. Not limited to coastal areas, hurricanes are dangerous and can cause major property damage due to storm surge, wind damage and flooding. These eight tips can increase your readiness in the event of a hurricane. Plan your evacuation. Plan how you will leave and where…
On June 27, 2023, the Federal Motor Carrier Safety Administration (FMCSA) issued guidance that outlines the National Drug and Alcohol Clearinghouse (Clearinghouse) return-to-duty process for commercial motor vehicle (CMV) drivers. This guidance comes from the final rule published on Oct. 7, 2021, which requires state driver’s licensing agencies (SDLAs) to access and use information from…
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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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