Education Blog

HR Hotline – Real People, Real Answers

In a recent post we discussed MyWave Connect, our online portal for convenient access to resources on safety, compliance and much more (read about MyWave Connect here). While MyWave Connect is a vast and searchable resource, sometimes you need a little personal guidance, especially when it comes to matters of Human Resources. Chances are that…

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Understanding PIP (Personal Injury Protection)

Many states require personal injury protection (PIP) coverage for their motorists, and Maryland is among them. Insurers must offer a minimum of $2,500 in PIP coverage to automobile policyholders. Here’s a brief explanation of PIP and why you should consider it as a part of your risk management strategy. PIP insurance is a form of…

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Consolidated’s Customer Portal – More than Insurance..

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce MyWave Connect, a time-saving online resource that puts clients in control of customized compliance information and much…

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Succession Planning – Insurance and more…

When you hear the term “succession planning,” you probably think of exit strategies for a business owner: selling the business or handing it off to one or more family members when it’s time to retire, or when death or illness mandates a change. But true succession planning goes far beyond who will own the company…

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Employee Benefits: Your Secret Weapon

Probably the top concern we hear from our business clients these days is how hard it’s become to find and hire great new employees. With unemployment running at record lows thanks to a ten-year run of uninterrupted economic growth, there’s no shortage of opportunities out there for qualified candidates in nearly any field. Combine that…

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Need a Certificate of Insurance?

It’s happened to every business … you’re working after hours, and you really need a certificate of insurance to wrap up the paperwork and bring in a new client. But your insurance broker is closed. Or an employee needs a new Auto ID card on a weekend, and all you can do is add it…

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Renovation and Risk: Insuring Your Improved Home

Planning a home renovation project is exciting and sometimes stressful, with so many choices to be made: cabinet styles and finishes, flooring, countertops, hardware, paint … the list goes on. Many people miss one very important step, however … your homeowner’s coverage may need a little improvement as well. First, begin with the end in…

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Health Benefits 101

In our conversations with clients regarding health benefits, we often encounter some basic misunderstandings regarding the terminology and mechanics of health coverage. Here’s a quick review: Coverages: Most Americans are covered by health insurance offered by their employers, otherwise known as group coverage. Group coverage tends to offer lower rates because the risk is spread…

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Distracted Driving is a problem! We have a solution…

You probably don’t need statistics to tell you that distracted driving is a huge problem. Take a glance at other drivers and you’ll almost always find someone looking down at his or her phone instead of watching the road. For many, “distracted driving” translates to “teens texting.” And while it is a huge problem with…

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Clearing the Air about Pollution Insurance

Pollution insurance? Who needs it? If you’re just about any type of contractor, you probably do. The word “pollution” conjures up images of huge smokestacks belching contaminants into the air, or factories draining waste into nearby bodies of water. That’s not us, you say. But change the word “pollution” to “contamination” and you begin to…

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