More and more guests are attempting to bring animals into restaurants and hotels. Check out this helpful information regarding the rules behind service animals and what to do in those situations. A service animal is a dog, or in some cases, a miniature horse. No other animal is protected by the ADA. The ADA defines…
A bartender is legally liable for serving alcohol to a patron who becomes intoxicated and then injures a third party. Does a business face a similar exposure when it hosts a social event where alcohol is served, such as an open house or employee picnic? According to the Insurance Information Institute, liquor liability exposure is…
Homeland Security has named October National Cyber Security Month. Themes for 2017 have been announced! Week 1: October 2-6 – Theme: Simple Steps to Online Safety. All members of the public can take some simple actions to protect themselves online and to recover in the event a cyber incident occurs. Week 1 will address the…
Hurricanes and other natural disasters are frequently accompanied by a power outage. Oftentimes, the lack of power is as great a danger as the storm itself. If the power is out for less than four hours, the food in your refrigerator is most likely fine, provided the door was left shut. After four hours, things…
Floods can be miserable ordeals, even with extensive preparation. They can spring up with little to no warning and saddle you with the responsibility of a lengthy, expensive restoration period. Your business could be underwater in a flash, and you could be faced with mounting repair bills and extended interruption to your business. But floods…
On June 27, 2017, the U.S. Department of Labor (DOL) announced that its Wage and Hour Division will reinstate the practice of issuing opinion letters. The DOL discontinued the practice of issuing opinion letters seven years ago in favor of publishing more general guidance. Opinion letters provide guidance to employers on how to comply with…
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…
The FDA's Food Safety Modernization Act (FSMA) rule on Sanitary Transportation of Human and Animal Food adds a number of new requirements to the food industry, both for facilities and transporters. The goal of this rule is to prevent practices during transportation that create food safety risks, such as failure to properly refrigerate food, inadequate…
On May 2, 2017, the House of Representatives passed the Working Families Flexibility Act (also known as H.R. 1180). If approved, H.R. 1180 would authorize private employers to offer compensatory time instead of overtime pay for nonexempt employees who work more than 40 hours per week. H.R. 1180 still needs approval from the Senate and…
Ocean City, Maryland officially recognized the week of May 7-13, 2017 as National Hurricane Preparedness Week. Here's a short video with the National Weather Service's basic hurricane preparedness tips: http://www.weather.gov/media/wrn/MP4/2017HurricanePrepWeekThemeSummary.mp4 Here are some additional resources you can reference to increase your family's safety: National Weather Service (weather.gov) Hurricane Preparedness Page Ready.Gov Family Emergency Communication Plan…
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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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