Spring is here and the rainfall has already started. Rain is essential to keep our lands healthy but can also cause lots of unwanted damage. Residents and businesses should contact their insurance agent to review their flood insurance policies, or lack thereof, to see where they may fall short. The damage caused by flooding can … Continue reading 5 Things You Should Know About Flood Insurance
By Remmie Butchko, CIC Georgetown Insurance Service Silver Spring, MD COVID-19 has shut down many businesses either due to state mandated stay-at-home orders or infections in the office or place of work, such as construction sites. While business owners are trying to make ends meet with reduced revenue, complete closures, COVID-19 affected employees and … Continue reading COVID-19 Insurance Issues and Concerns
By Patti Maluchnik, CIC, CBIA, Account Executive Georgetown Insurance Service, Inc. Even in today’s world, many companies still don’t have a workplace safety manual. And if they do, it’s usually outdated or too long and confusing. In the construction industry, a job can be completely shut down if OSHA requirements aren’t closely followed. Not … Continue reading OSHA Safety: Assembling a Manual So Employees Know Their Rights
If your child has a “business” they’re getting paid for, such as babysitting, lawn mowing, snow shoveling, or car washing, your basic homeowners insurance policy doesn’t cover them? For many older children and teens, babysitting, mowing lawns, shoveling snow or washing cars is their first ever job. It’s a great way for kids to test … Continue reading Did You Know…. If Your Child has a “Business” Your Basic Homeowners Insurance Policy Doesn’t Cover Them?
Insurance is complicated – but it’s also a necessity. It helps to protect us from the uncertainty we all face in our day-to-day lives. But with endless information available online, it can be tough for people to distinguish between what’s true and what’s false. While there are many misconceptions floating around about insurance, here are … Continue reading 5 Misconceptions About the Insurance Industry
Many people who are involved in minor collisions—often called “fender benders”—avoid reporting these types of accidents to their insurance companies. But why is that? Well, many individuals assume that their insurance rates will increase. They also believe that they can work things out with the other driver without involving the insurance companies. In fact, some … Continue reading Insurance Tip: Had an auto accident but think it’s just minor damage? Here’s why you should file a claim anyway
By Patrick Keightley, CIC, Vice President Georgetown Insurance Service, Inc. The easiest way to reduce your workers’ compensation premium is to prevent losses for occurring in the first place. While that might seem like an obvious answer, it’s much easier said than done in some cases. However, it’s true nonetheless. If your company’s workers’ compensation … Continue reading Ways to Reduce Workers’ Compensation Costs
Employee handbooks are an important piece of education for all employees. This document is more than a handful of papers provided to new hires, it’s a critical asset that sets the tone for workplace interaction, communicates company policies, and promotes problem solving, fairness and consistency among employees. It sets forth the expectations of your employees … Continue reading Employee Handbooks: What Should Yours Include?