September is National Preparedness Month

National Preparedness Month is recognized each September to promote family and community disaster and emergency planning now and throughout the year. The 2019 theme is “Prepared, Not Scared.” Save Early for Disaster Costs Are you financially prepared for a natural disaster? #PrepareNow with the help of these tips and free resources: ready.gov/financial-preparedness Make a Plan to Prepare for…

Deeley Serves – August 2019

Deeley Insurance Group is proud to support 1 Year to Empowerment. 1 Year to Empowerment is a year-long program designed to enable teenage girls on the Eastern Shore to make healthy choices, form trusting friendships and set attainable goals. In addition to building self-esteem, self-respect and self-reliance, girls spend many hours engaged in community service…

Coastal Construction

Salt and water corrode metal. All coastal communities are prone to rusting fasteners and connections. The Federal Emergency Management Agency (FEMA) through the National Flood Insurance Program (NFIP) has regulations on fasteners to help prolong the life and keep structural integrity. If your business is constructing or substantially improving a property in a special hazard…

Calculating Coinsurance

Some business insurance policies include a coinsurance clause. If your policy includes a coinsurance clause, the amount of insurance you have purchased (the limit of insurance) must equal or exceed a specified percentage of the value of the insured property. For example, if 80% coinsurance applies to your building, the limit of insurance must be…