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We pride ourselves in having a high level of insurance acumen and have a passion to share our experience with clients. Here you can find informative articles on insurance, safety, and risk for you, your family, or your business. Each article includes a link for you to share with anyone who may benefit.

Education Blog

Check out our Education Blog for articles on insurance, safety and risk for you, your family or your business.

The Scene of the Crime: Does Your Business Need Crime Insurance?

January 15, 2020

“That couldn’t happen to us.” That mindset can cost businesses a lot of money and heartache because bad things do happen, including crimes against your business committed by your own employees. Every day, trusted employees pilfer or embezzle from their employers, and the costs are staggering: a 2017 study estimated an annual price tag of…

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Cadillac Tax Repealed and Other ACA Changes

January 8, 2020

A new spending bill signed into law on December 20, 2019 puts an official end to the so-called “Cadillac Tax,” one of the more controversial provisions of the Affordable Care Act. That same bill brings other changes as well … read on to learn how they affect your business. The Cadillac Tax, a 40 percent…

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Auto Coverage: Why Raise Your Limits?

December 18, 2019

You already know that automotive insurance is a must-have, required by law, with specific coverage limits that vary from state to state. The problem is that many drivers stop right there at those bare minimums, which can leave them in a bad place in the event of a serious accident. For example, Maryland drivers must…

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Why COI? Certificates of Insurance

December 10, 2019

If you run a business, you have more than enough to worry about … your own risk management profile, for one. But when it comes to risk, business owners need to look beyond their own exposures and consider the risks presented by those who are working on their behalf, or working on their property. That’s…

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FSA Contribution Limits Changing in 2020

December 4, 2019

As usual, the IRS has announced changes to the contribution limits for flexible spending accounts (FSAs) in the coming calendar year. However, the timing creates a wrinkle that may keep some employees from taking full advantage. Individuals may now contribute up to $2,750 to an FSA in calendar year 2020, a $50 increase from this…

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Homeowner’s Coverage – The Things that Affect Your Premium

November 20, 2019

The cost of any insurance coverage is the result of a number of risk factors. In other words, the more likely you are to have a loss in the eyes of an underwriter, the more your coverage will typically cost. With auto coverage, as one example, you can control some of those risk factors by…

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Commercial Auto Premiums: Factors & Advice

November 13, 2019

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

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Be Prepared for Roadside Emergencies

October 17, 2019

Expect the best and prepare for the worst, the saying goes. While vehicles overall are very reliable these days, breakdowns and accidents do happen, as do sudden changes in weather that could leave you stranded. Some auto insurance policies offer roadside assistance for a minimal annual cost – take advantage of this! In case you…

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REAL ID for Maryland – Update

September 25, 2019

If you or your family members need to renew a Maryland driver’s license, remember that you’ll now need additional documentation. The changes stem from the REAL ID Act, a federal law passed by Congress in the wake of September 11, 2001 attacks. The REAL ID Act establishes specific minimum federal standards for state-issued driver’s licenses and ID…

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Commercial Auto Insurance – Keeping Your Business on the Road

September 12, 2019

If you run a service company with a fleet of dozens of vehicles, you probably have a solid understanding of the importance of commercial auto insurance. But even businesses with only a few company vehicles will benefit from commercial auto coverage. Following is a brief rundown of the benefits you should expect from commercial auto…

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Consolidated provides this information for general informational purposes. Nothing on this page is intended to constitute legal advice or to address specific risk management situations. Consolidated is not responsible for any errors or omissions in these entries, nor in the source materials used to create them.