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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.

Civil Unrest and Your Business

June 4, 2020

As civil unrest has unfolded across the country with some protests turning to violence and destruction, business owners have good reason for concern, especially as many are just beginning to recover from the economic effects of the coronavirus pandemic. There are steps you can take to protect your business in these unpredictable situations. Here are…

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Return to Work Plans Following the COVID-19 Pandemic

June 2, 2020

The coronavirus (COVID-19) pandemic has interrupted many businesses across the country. While it’s unclear how long COVID-19 will continue to affect organizations, many employers are looking to the future of employees returning to work. In preparation for reopening your business and asking employees to come back to work, it’s imperative that your company thoughtfully constructs…

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The CARES Act and Your HSA/FSA

May 28, 2020

Among the many provisions in the Coronavirus Aid, Relief and Economic Security (CARES) Act are several changes affecting the use of Health Savings Accounts (HSAs) and Dependent Care Flexible Spending Accounts (FSAs). In keeping with the intent of the Act, all are designed to provide relief to those who are financially affected by the pandemic.…

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HR Hotline: Real People, Real Answers

May 22, 2020

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, especially regarding policies…

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REAL ID for Maryland – UPDATE

May 20, 2020

Yes, the U.S. Department of Homeland Security has extended the national deadline for REAL ID compliance to October 1, 2021. That means all Marylanders who are not yet REAL ID compliant should check the REAL ID Lookup Tool for the next steps to take. If you or your family members need to renew a Maryland driver’s license,…

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COVID-19 Benefits Scenarios

May 5, 2020

The COVID-19 pandemic has brought with it a whole new series of questions and scenarios relating to benefits. The existing Family and Medical Leave Act (FMLA) still applies, and now the Families First Coronavirus Response Act brings two new components: Emergency Family and Medical Leave Expansion and Emergency Paid Sick Leave. Understandably, the question of…

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MyWave Connect – What’s That?

April 28, 2020

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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Too Soon? Considerations for Reopening Your Business

April 21, 2020

All of us are looking forward to the end of being quarantined at home, and none more than the business owners whose operations have been pinched by having to work virtually. There will come a day when we return to the office, store or plant, and it’s not too soon to think about how that…

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Giving Customers a “Brake”: Auto Insurance Carriers Respond to Coronavirus

April 16, 2020

It’s safe to say that every single one of us has been impacted by the coronavirus pandemic.  Some have merely been inconvenienced, others have lost jobs, and others have had to deal with serious health issues. One thing for sure is most people’s driving habits have changed significantly and insurance carriers are responding. Two important…

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Small Business Loans and the CARES Act

April 8, 2020

As you have probably heard, the massive Coronavirus Aid, Relief and Economic Security (CARES) Act passed by Congress in response to the current pandemic contains provisions for small business loans, which could be vital in seeing some companies through the resulting economic slowdown. Here are the highlights: The Act contains nearly $350 billion for an…

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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.