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What is “Cyber Insurance?”

By Remmie Butchko, CIC Georgetown Insurance Service, Inc. Silver Spring, MD   Technology has changed our lives in unfathomable ways over recent years.  When I started in the insurance business, we had floppy discs (literally) and documents printed on carbon paper with a dot matrix printer.  My first “cell phone” was in a bag so … Continue reading What is “Cyber Insurance?”

5 Things You Need to Know About Flood Insurance

Rainfall can be a beautiful thing. It provides the hydration essential to keep our land healthy, nourished, and beautiful. However, as with all good things (chocolate, for example), moderation is key…but you can’t exactly control mother nature. Recent hurricanes, storms, and excessive rainfall have residents and businesses examining their flood insurance… and for a good … Continue reading 5 Things You Need to Know About Flood Insurance

The Ins and Outs of Workers’ Compensation

By Edie Gates, CISR Georgetown Insurance Service, Inc. Silver Spring, MD   Accidents happen. Regardless of how stringent your safety measures are, there is no possible way to completely eliminate the threat of workplace accidents. That’s where workers’ compensation insurance comes in. Having workers’ compensation isn’t just an option, but a necessity. What are the … Continue reading The Ins and Outs of Workers’ Compensation

Why You Should Buy Life Insurance for Your Child

By Kristy Parker, CISR Georgetown Insurance Service, Inc. Silver Spring, MD   Becoming a parent for the first time is simultaneously one of the most terrifying and rewarding experiences. Everyone around you is offering advice on how to prepare and what to expect — regardless of whether you asked them in the first place. You … Continue reading Why You Should Buy Life Insurance for Your Child

Gap Insurance – Protecting Maryland’s School Bus Contractors

By Joseph W. Lalla, Commercial Lines Coverage Specialist Georgetown Insurance Service, Inc. Silver Spring, MD   Having adequate liability coverage should be a top priority for every business, particularly those who operate or drive large vehicles. Accidents are expensive and larger vehicles, such as buses, have the potential to cause millions of dollars in damage. Typically, these … Continue reading Gap Insurance – Protecting Maryland’s School Bus Contractors

The Basics to Understanding Insurance and Indemnification Clauses

By Remmie Butchko, CIC Georgetown Insurance Service, Inc. Silver Spring, MD   When entering into agreements, such as leases, construction agreements, etc. it is critical to understand the structure of insurance and indemnity provisions. These agreements can be very complex, and you need to maintain control over liability, so you don’t put your business’ future … Continue reading The Basics to Understanding Insurance and Indemnification Clauses

5 Ways Contractors Can Lower Workers Compensation Costs

By Remmie Butchko, CIC Georgetown Insurance Service, Inc. Silver Spring, MD   Insurance costs have always been top a concern for Contractors of all trades. Insurance costs are usually a “top 5” expense up with payroll, material cost, vehicle expenses, etc. We frequently see several areas where money can be saved with a few quick-fixes. … Continue reading 5 Ways Contractors Can Lower Workers Compensation Costs