When the mercury dips and the cold weather sets in, our homes become our sanctuaries against the chill. However, to ensure your house remains a warm and safe refuge, some preparations are necessary. Here’s a rundown of essential tasks and items to winter-proof your home. Seal Gaps and Cracks One of the primary culprits of […]
Read More
CORPORATE TRANSPARENCY ACT (CTA) –Deadline of 1-1-25 is fast approaching! The purpose is to detect and combat money laundering and terrorist finance along with tracking the money. It is meant to safeguard our national security and US Financial System. The Act came into effect in January 2024 and businesses are expected to file a Beneficial […]
Read More
Maryland Health and Medicare Open Enrollment for 2024: What You Need to Know. As the leaves change and the year draws to a close, it’s time to think about your health coverage for the upcoming year. Open Enrollment for 2024 is just around the corner, and it’s crucial to be prepared. Here’s everything you need […]
Read More
Dwelling or Building Property Coverage Shown on the policy as Coverage A: Depending on your condo association’s master policy, you might need this to cover the interior of your unit, including fixtures, appliances, and any improvements you’ve made Do I have improvements and betterments that need to be insured? Do I have coverage for water/sewer/backup? […]
Read More
Employee benefits can help attract and retain employees, and some studies show that employees are more likely to stay with an employer because of their benefits: Studies found that 75% of employees are more likely to stay with an employer due to benefits package provided Are you a small company? Do you have employees saying […]
Read More
Notices required under the Patient Protection and Affordable Care Act of March 23, 2010 (PPACA) and the required ERISA Notices. In disclosing these documents to your employees, the Department of Labor has set forth certain regulations regarding these disclosures. Disclosure rules are summarized in the attached “Distributing Your Notices” document. IMPORTANT PATIENT PROTECTION AND AFFORDABLE […]
Read More
We are asked to provide budget increases for 2024 on the insurance for condominiums and homeowners associations (HOA). Below are samples of increases in property value and rates for 2024. Sample Condo increases reflect 15%, 31%, 20%, 20%, 15%, 11%, 13%,14% and 22%. Sample HOA increases reflect 15%, 14%, 11%, 54%, 01%, 53%, 7%, 14%, […]
Read More
Updated 6-12-24. New laws were passed by the Maryland Legislature during the recent session that will affect Maryland drivers. These changes are scheduled to take effect on July 1, 2024. Virginia will require all vehicles registered in the state to have auto insurance. Approximately 34,000 Maryland residents currently register their vehicles in Virginia and some […]
Read More
Families will find plenty of attractions in Frederick. Baker Park offers playgrounds, walking trails and recreational facilities. The Joseph Dill Baker Memorial Carillon was constructed as a memorial to “Frederick’s First Citizen,” Joseph Dill Baker. The instrument and tower offer weekly carillon recitals on Sunday from March through December. Nature lovers can also enjoy outdoor […]
Read More
While in downtown Frederick, be sure to check out the murals and street art. Explore the alleyways and side streets to discover hidden gems and vibrant artwork. Be sure to check out “The Edge of Gravity Mural,” “Splash of Color Mural at South & Market,” “Community Bridge Mural,” “Earthbound Mural,” and many others. Throughout the […]
Read More