Executive Perspective: Our Time to Lead; Risk Remains When Waters Recede

flood insurance

As I record these thoughts, Hurricane Irma has been downgraded to a tropical depression after having lashed Florida and more than a half-dozen Caribbean Islands. The storm led to 6.3 million Florida residents being ordered to evacuate, while more than 6.5 million are without electricity. Nearly one million Georgia and South Carolina residents are also […]

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What To Look For When Purchasing Insurance For Your Business

Insurance For Your Business

Organizations rely upon business insurance to protect them from the risks and potential threats to their successful and continued operation. Below, we have listed and explain eight common types of insurance for your business. A licensed, reputable broker like KMRD Partners can help you choose the right insurances for your business by determining which coverages meet […]

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Flood Preparedness Resources List to Share with Friends and Loved Ones

flood preparedness resources list

With the recent hurricane and flood threat, our team prepared a list of flood preparedness resources for you to share with friends and loved ones. We wish you and your families a safe and secure week. Red Cross Flood Safety Checklist explains what to do in the case of a flood, which supplies to store, and what to do […]

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Why It’s Important To Know Your Flood Zones

Following a rise of more than 13 feet on the Patapsco River in Ellicott City, Maryland, in just a few hours this past Saturday evening, flooding caused extensive structural damage to multiple businesses and residential areas, along with sidewalks and streets. Many business owners returned to their businesses on Sunday to find they had lost […]

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Do You Have A Flood Recovery Plan In Place for Hurricane Season?

2016 Atlantic Hurricane Season begins today – Do you have your flood recovery plan steps in place? The 2016 Atlantic Hurricane Season begins today, with meteorologists forecasting a more active than usual hurricane season, partly due to the expected end of the El Niño weather pattern in the next few months. Meteorologists at AccuWeather, a private […]

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Have you been re-mapped to a flood zone?

Pennsylvania Insurance Commissioner Teresa Miller issued a consumer alert earlier this month by which Pennsylvania homeowners can appeal their property’s placement in a flood zone by the federal government, which in many cases requires them to purchase flood insurance. Commissioner Miller said FEMA recently re-mapped most of the country using 100-year flood projections, resulting in […]

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New Flood Insurance Tool Available in Pennsylvania

With April showers on the way, it is worth noting although flood and sewer back-up is excluded under most standard commercial property policies, both coverages can be added by endorsement. Depending upon the flood zone identified on the property, coverage is available on a primary basis through a number of carriers. In instances where property […]

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Flood Insurance – Could your business be washed away by a flood or sewer back-up?

Flood Risks

Pennsylvania is considered to be one of the most flood-prone states in the nation, with approximately 83,000 miles of river and streams and nearly 2,400 local governments enrolled in the National Flood Insurance Program (NFIP). Although flood and sewer back-up is excluded under most standard commercial property policies, sewer back up can be added as […]

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Flood Insurance – South Carolina’s flooding reinforces the importance of planning

Although Hurricane Joaquin bypassed land, another storm provided enough tropical for  what South Carolina officials have called a 1 in 1,000 year storm. More than 18 inches of rain in roughly 24 hours fell in the state, leading to severe flooding. Charleston got nearly one foot of rain on Saturday.  It has been estimated 11 […]

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Don’t Forget To Test Your Business Continuity Plan

business continuity plan

According to a recent survey of over 500 midsize business owners and C-level executives in the US, 59% had a formal, documented business continuity plan and 33% had an informal, verbal plan. 8% had no plan. Of those businesses with continuity plans, only 19% had actually tested them. (source: The Hartford) Additionally, the survey found […]

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