Swimming pool cleaning often requires the use of strong chemicals and acids. Due to their associated risk, the chemicals should never be used by anyone but licensed and trained professionals. However, even then accidents can happen. One of our clients, a pool service company, experienced just that despite having their employees undergo extensive training … Continue reading Craziest Claim of the Month – The “Acid”ent
With flooding plaguing our area and additional rainfall looming in the weekly forecast, we figured there was no better time to share five simple tips to help prevent flooding in your office or home. These preventative measures could help you avoid or minimize unnecessary damage. Clear and adjust your spouts and gutters. Gutters and drainage … Continue reading Five Tips to Help Prevent Flooding
By Michael Crowell Georgetown Insurance Service, Inc. Silver Spring, MD When I first decided to embark upon a new career in insurance, I was all in. I plunged head first into a new career, confident that I would succeed. Expecting an adjustment period and some initial growing pains, I’m going to be honest with you…I really … Continue reading What I thought Insurance Was, What It Actually Is, and What I’ve Learned
One of our clients, a pool servicing company, had a crew working on a customer’s backyard pool. While they were servicing the pool, they discovered a three-foot long black snack. They put the snake into a bucket, put the bucket in the back of the van, and then went back to working on the … Continue reading Craziest Claim of the Month – The Stowaway
By: Patti Maluchnik, CIC, CBIA Georgetown Insurance Service, Inc. Frederick, MD Your business’ Experience Modification Rating (EMR) directly impacts your Workers’ Compensation premiums. This blog will explain what an EMR is, what factors contribute to the calculation of your company’s EMR, and share some tips on how you can lower it. What is an Experience … Continue reading Experience Modification Ratings – How Is It Calculated and Can You Lower It?
By: Joseph C. Smith, CIC, CPIA, CBIA Georgetown Insurance Service, Inc. Frederick, MD When you first hear the term “Business Property Insurance” what comes to mind? Is it the building you work out of, the hardware you utilize, or the software that keeps your business up and running? Well…it can actually cover any and all … Continue reading Business Property Insurance 101
One of our clients, a landscaping company, had a crew out working on a customer’s lawn. The landscape crew had a hard time getting one of the riding lawnmowers started and once it finally did, they were afraid to turn it off in the event that it wouldn’t restart. When it got low on gas, … Continue reading Craziest Claim of the Month – The Flaming, Runaway Mower
By: Joseph Lalla, Account Executive Georgetown Insurance Service, Inc. Silver Spring, MD We previously wrote an article on the importance of making sure contractors who work on your home and/or property are insured properly. The same basic principle rings true for general contractors when selecting subcontractors. If you fail to properly vet your subcontractors, you … Continue reading Why Your Contractors Need to Be Insured – Part 2