By: Patti Maluchnik, CIC, CBIA Georgetown Insurance Service, Inc. Frederick, MD When you first hear the word “pollution,” what comes to mind? Do you think of billowing dark smog clouds hovering over Beijing, noxious exhaust fumes pouring out from the car in front of you at the light, or possibly an oil spill seeping out … Continue reading Pollution Liability Insurance – What it is, What it Covers, and What it Costs
By Matthew P Simmons, CIC Georgetown Insurance Service, Inc. Silver Spring, MD In many ways, standard insurance policies such as homeowners, automobile, and general liability can be compared to purchasing a rain coat and rain boots to help protect you from passing storms and rain showers. These passing storms represent the lingering threat of liability … Continue reading Umbrella Insurance and Why You Need It
Since many of our clients work in what OSHA considers high-risk industries, we wanted to issue a quick reminder about OSHA’s final Form 300 rule and the accompanying deadlines. OSHA’s Form 300 for 2016 data: Log of Work-Related Injury and Illness data was due at the end of 2017. This was the first time that … Continue reading OSHA 300A Posting Reminder
Business insurance can be incredibly complex. Every company’s insurance needs will differ based on factors like industry, location, and size. However, regardless of these factors, there are a number of core coverages that every business should have. If you own a business, then this article is for you. We’ve compiled a list of five coverages … Continue reading 5 Types of Coverage Every Business Needs
By Remmie Butchko , CIC Georgetown Insurance Service, Inc. Silver Spring, MD As I wrap up my 5-part series on cyber risk and awareness I wanted to conclude by covering one of the most important issues we all face in business and in our personal lives, which is managing the risks associated with E-Commerce. E-Commerce … Continue reading Cyber Risk Management Practices
Maryland’s Updated Smoke Alarm Law On January 1st, Maryland rolled out a new smoke alarm law for residences. For homeowners, the new law will require the replacement of all smoke alarms when they are 10 years old (from the date of manufacture). In addition, homeowners must replace battery-only operated smoke alarms with units powered by … Continue reading Maryland – Have you updated your smoke alarms yet?
2017 has proven itself to be anything but predictable, and has certainly kept the insurance industry on its toes. As the year comes to an end and 2018 begins, we can’t help but wonder what the next twelve months may hold. While we can’t predict the future, here are five trends to keep an eye … Continue reading Insurance Trends to Look for in 2018
By Ben Simmons, Associate Georgetown Insurance Service, Inc. Silver Spring, MD Part of responsible homeownership is keeping your house maintained and updated. This often requires outside help and expertise. While we always encourage shopping and supporting local businesses, we do recommend that you take the time to carefully consider and vet any and all contractors … Continue reading Making Sure Your Contractors are Insured – Part One