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Home winter weather preparation tips

November 01 2018
Consider these simple steps to make your home safer, warmer and cheaper to live in. Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall.

Deer collision risk peaks in November and December

October 29 2018
The risk for deer collisions is 3 times greater during the months of November and December according to the Highway Loss Data Institute (HLDI) statistics. Increased deer activity during their migration and mating season cause a sharp increase in auto accidents involving deer.

Carbon Monoxide detectors...It’s the law!

October 22 2018
Back in 2006, a Massachusetts law known as "Nicole’s Law" became effective, which requires carbon monoxide detectors be installed and maintained in most residences. While many people know about CO detectors and know they are a “good idea”, many still don't have them, which is a violation of the law...

Halloween safety - part 2: trick or treat tips

October 22 2018
Trick or Treat! No doubt you'll be hearing that a few times on this spookiest of days. Whether you go all out personally or just enjoy others getting into the spirit, here are 10 tips to keep trick or treating and Halloween fun and safe for everyone.

Halloween safety - part 1: home safety tips

October 19 2018
Halloween isn’t just for kids. All you have to do is drive around and see the decorations, and you know that Halloween is right up there with Christmas when it comes to getting into the holiday spirit…pun intended. Insurance may not come to mind as you're planning your costumes or decorating your home, but there are certain risks involved especially if you are...

9 Tips For Buying Commercial Auto Insurance…and Saving

October 15 2018
Tips for buying commercial auto insurance that will help you manage costs and ensure you’re properly protected. Whether you need commercial auto insurance for a single vehicle or a whole fleet, you want insurance that is both affordable as well as provides the proper protection.

Why you need a personal umbrella policy

October 10 2018
Personal umbrella policies are growing in popularity. In the past, only wealthy individuals and families purchased this coverage. Today, middle-income families also may procure this policy for protection in our society's increasingly litigious climate. As the tendency to sue for damages rises and awards granted by the courts grow, the personal umbrella policy is increasingly seen as an insurance necessity, rather than a luxury. It is especially attractive because of its relatively low cost.

Before you say, "I don't need renter's insurance"...

October 05 2018
Many renters underestimate how much they are putting at risk by not having this extremely affordable coverage. If you don't have renter's insurance, are you saying "No" before you are really clear on what renters insurance does for you? Renter insurance covers is damage to your personal property and also provides liability coverage.

Understanding your insurance deductibles

October 01 2018
Know how your deductibles work to prevent surprise costs—and save money. A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or “deducted,” from your claim payment.

Community & volunteer related liability loss exposures

September 20 2018
Many people face a variety of community-related and volunteer-related loss exposures. For example, if you or a family member holds some type of leadership role in a community, charity, religious, not-for-profit, or political organization, you should consider certain risk management recommendations.