Business Continuity

Health Plan Audits: What You Need

Much as the Internal Revenue Service has the authority to audit tax returns, the Department of Labor (DOL) has a broad mandate to investigate and audit an employee benefits plan’s compliance with the Employee Retirement Income Security Act (ERISA). Audits are performed by the DOL’s Employee Benefits Security Administration (EBSA), and will often focus on…

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What You Need, When You Need It

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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Pardon the Interruption

Just about every business owner has taken steps to protect themselves against losses like fire or water damage. But what if one of those happened to a key supplier or partner? Could your business – and its reputation – withstand a suspension of operations? That’s why there’s Business Interruption Coverage.  Please view the attached video for some…

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Lessons from the Outer Banks

Imagine for a moment that you’ve fulfilled your lifelong dream of launching a business at the Outer Banks of North Carolina. Maybe it’s a paddleboard rental place, or maybe you make designer cupcakes for vacationing families. Either way, you’ve done it: you’re all set up in an idyllic location with a low-stress operation to ease…

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Cyber-Liability: Taking a Byte Out of Your Exposure

If the recent WannaCry ransomware epidemic didn’t get your attention, it should have. In case you missed it somehow, this malware outbreak affected more than 200,000 users in over 150 countries. Hospitals were unable to access patient records, some businesses remained closed in order to avoid exposure … and some early estimates put the total…

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What You Need, When You Need It

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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Hiring Summer Interns

Need Business Insurance? Click here to get a quote for Business Insurance Summer can benefit Maryland small business owners in a multitude of ways: businesses located in popular vacation destinations typically see a significant increase in revenues; warm weather and longer days improve moods, making people a bit more free and easy with their money,…

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Scheduled Business Property

Last week, we discussed what other personal belongings you may want to insure separately. Here, let’s look at some business assets that might warrant additional coverage. Technology: Most companies use computers these days, and many also issue smartphones, tablets, or other devices to employees. A specialized business technology plan can cover accidental damage, liquid spills,…

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Vacation Policy Blues

We all need a vacation. And for many employees in Maryland, summer is the ideal time to plan a visit to the beach, take an extended road trip, or organize a family reunion. As a business owner, you want your employees to have time off, but you don’t want your customers to suffer because of…

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Would Your Business Benefit From a Flexible Schedule Plan?

For many business and creative professionals in Maryland, a regular nine to five job just isn’t appealing anymore. And with many employers offering opportunities that allow workers to telecommute, work from home, or keep non-traditional hours, high-level employees no longer have to submit to the daily grind if they so choose. That means that employers…

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