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Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E
Valuable Cold Weather Management Tips for Business Owners

Snow TownLiving in Maryland, you know firsthand how extreme the winter weather can go from temperatures that dip well below zero to winter storms that pack on more than two feet of snow at a time. Mother Nature knows how to have a good time in Maryland.  As a business owner, this means you need to be fully prepared for when the cold weather sets in.  

First and foremost, you'll want to ensure the safety of your workers and customers.  This means providing them walkways to and from your store that are clear of ice and snow.  In addition, you'll want to stock up on water and food supplies, which proves to be of the utmost convenience in the event that your workers or customers become snowed in at your store.

Furthermore, you'll want to prepare for doors and windows that become frozen.  A de-icer should do the trick at keeping the door locks from freezing, but if you find yourself with a broken lock, you'll need to have the phone number of a door repair technician stored in your phone so that the doors can be fixed as quickly as possible. 

You'll also want to make sure the floors in your store are not slippery from any snow and water that gets dragged in on the bottom of your workers' and customers' shoes.  A mat program -- mats outside and inside your store -- should be used to protect everyone from slipping or falling.  These mats need to be cleaned daily to ensure they are working to their utmost potential. 

Lastly, don't forget to invest in business insurance.  One slip and fall accident could lead to financial ruin if you don't have the right coverage in place. 

Gordon O’Neill
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