Best of 2017 – Metropolitan Magazine
We were honored to be chosen as Metropolitan Magazine's 2017 Best Insurance Agency from Berlin to Ocean City! Thank you for your support.
National Flood Insurance Program Extended till December
The National Flood Insurance Program (NIFP) was set to expire on September 30, 2017. The federal government has extended the NFIP until December 8, 2017. NFIP program is vital to coastal areas, and having the program's existence up in the air creates uncertainty for those buying or selling coastal properties or any property located within…
Association Reserve Studies
Association Reserve Studies are a vital component of setting budgets for community associations. Community Associations typically have at least two budgets/accounts: operating expenses and reserves. Operating expenses are for those normal day to day expenses such as staff, maintenance, utilities, taxes, etc. Reserve funds are set aside for those big ticket items that are know…
Protect Your Home from Water Damage
Most people would probably guess that the majority of homeowners claims are fire claims, but they're not. Fire claims can be extreme, often a total loss, but the most common homeowners claim is water damage. Whether it's from inside our outside your home, water can do serious damage. Here's some tips from the Insurance Information…
Homeowners Association Security Mistakes
Security is a big issue for community associations. A high profile crime can point a spotlight on potential liabilities and holes in your current program. We recently came across a good article listing the Top 10 Security Mistakes Homeowners Associations Make from SecurityNet.Com Here's their Top 10 list: Not Conducting a Security Survey, Audit, or…
Named Storm Deductibles
The heavy rainfall, high wind and storm surges associated with hurricanes and other intense storms can devastate any business, even those located hundreds of miles off a coast. Because these storms have the potential to cause tens of billions of dollars in damage, insurance providers generally use special, “named storm deductibles,” to provide coverage in…
Tornado Preparation
Although Kent Island received heavy damages during the tornado on July 24, 2017 – only one person was injured and not severely. We can be thankful that no lives were lost during this extreme event. It is a good time to remind and teach out children about protecting themselves during a tornado watch and warning.…
New Form I-9 Released Use in September
On July 17, 2017, U.S. Citizenship and Immigration Services (USCIS), part of the U.S. Department of Homeland Security, issued an updated version of Form I-9: Employment Eligibility Verification (Form I-9). Under federal law, every employer that recruits, refers for a fee or hires an individual for employment in the United States must complete a Form…
Swimming Pool Safety
Whether you have a luxury in-ground pool or plan to plow up an inflatable kiddie pool, it is important to consider the safety implications. There are an estimated 7.4 million swimming pools and five million hot tubs in residential or public use in the United States, according to the Centers for Disease Control and Prevention…
Firework Safety
Every July 4th, thousands of people, very often children and teens, are injured while using fireworks. Despite the dangers, few people understand the associated risks – devastating burns, other injuries, fires, and even death. According to the NFPA (National Fire Protection Association), · Fireworks start an average of 18,500 fires per year, including 1,300 structure…
