Insights & Resources From Simpson & Blom

As summer approaches, many homeowners begin planning vacations, outdoor projects, and seasonal upgrades. While warmer weather creates more opportunities to enjoy your home, it can also introduce...

Life insurance is one of the most important financial tools you can put in place to protect the people you love. Whether you’re building a family, buying a home, running a business, or planning...

What Is Personal Umbrella Insurance and Who Might Need ItLife does not always go as planned. While many surprises are welcome, others can create serious financial stress. For homeowners and...

April’s Distracted Driving Awareness Month is a reminder of how quickly a moment of inattention can turn dangerous. Even small distractions increase the risk of accidents, higher insurance costs,...

Why should you consider Flood Insurance? Flooding is more serious today because heavier and more frequent rainstorms driven by a warming atmosphere, are producing record‑breaking rainfall that...

Quick Summary: Most Annapolis homeowners should insure their home for its full rebuild cost, protect belongings with an updated personal property inventory, and choose liability limits of at least...

Understanding Your Options in Personal InsuranceWhen you’re shopping for personal insurance—whether it’s home, auto, renters, or umbrella coverage—it’s important to understand the difference...

A BOP is a bundle policy designed for many main-street businesses—think offices, retail shops, light service businesses, and certain contractors—who want broad protection without piecing together...

For most businesses, the rule is straightforward: if you have employees, you need workers’ compensation coverage. Maryland’s Workers’ Compensation Commission explains that, with a few exceptions,...

Maryland requires every registered vehicle to be insured at all times by a company licensed in Maryland. Here are the key required coverages people should understand: 1) Liability (required): 30/60...