Small businesses have faced unprecedented challenges over the last few years. Many are hoping for a calmer 2023, but a possible recession, record high inflation and labor shortages may make that unlikely. Being aware of the small business trends for 2023 can help organizations successfully meet their challenges and find opportunities for growth. Here are…
Winter months present additional hazards that employees don’t typically encounter during warmer weather. Specifically, you may risk experiencing major slips or falls amid snowy and icy conditions, which could lead to serious injuries. Consider the following recommendations to prevent slip and fall incidents this winter: Wear shoes that provide traction on snow and ice; footwear…
Inflation. Labor scarcity. A broken supply chain. These persisting conditions won’t magically disappear with the new year. Yet 2023 does mark new opportunity for construction leaders to improve project outcomes—with deeper insight on price changes. According to recent construction market analysis by Unispace, accurate price forecasting is the executives’ holy grail in a market where pricing…
“If it isn’t broken, don’t fix it.” Just because your mother said it doesn’t make it good advice. Communities continue to look at ways to be cost effective in the face of rising inflation. Have you heard these in your meetings? “The roof doesn’t leak – so why replace it?” “I think we can get…
As the winter days get shorter, your mood may become as dark as the late afternoon. These feelings are often referred to as the “winter blues;” however, the medical name for this winter depression is seasonal affective disorder (SAD). Try one of the following strategies to help you relax, unwind and make the long winter…
Although there is still a great degree of uncertainty about what 2023 will bring in trucking business conditions, analysts at FTR believe a major recession is unlikely. FTR’s “State of Freight” webinar on Jan. 12 explored the economic indicators that most affect the freight market as well as trucking-specific numbers and offered FTR’s outlook for the year.…
The past five years have seen the commercial property insurance market progressively harden, evidenced by consistent rate increases since 2017. However, according to industry data, such rate jumps showed some signs of stagnation in early 2022, with average increases staying within single digits. Going into 2023, rates are still on the rise. Some insureds are…
With energy costs on the rise, you may be wondering how you can reduce or control your winter utility bills. You may even be tempted to simply turn down the thermostat, but there are several ways you can lower your energy bills while staying warm this winter: Use a programmable thermostat to automatically lower your…
When you can, it’s best to Shop Local and keep your money in the community, supporting the businesses that enrich our area for everyone. But when you need to buy a specific item online, you also need to be smart. 43% of identity theft victims reported that the theft happened while they were holiday shopping…
Halloween celebrations can come with a range of fun activities and lead to lasting memories for your children. However, these festivities can also carry serious safety risks. That’s why it’s important to have precautions in place to protect your kids from the risk of Halloween-related injuries or accidents. Costume Precautions Do not let children wear…
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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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