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Establish online precautions and rules for kids

November 17 2015
The Internet is a marvelous tool for staying in touch and learning new things, but it's important for kids to stay safe and exercise precautions when using it. In particular, children and teenagers can be unaware of online risks, such as the danger of libeling a third party or cyberbullying.

Bump up that deductible!

November 05 2015
Insurance consumers are constantly looking for ways to save on their personal lines insurance costs. Some of these ways are smart; some, not so much. Learn why increasing your insurance policy deductible can be a smart way to save money while maintaining excellent coverage.

Why you need a personal umbrella policy

October 30 2015
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.

Prepare your home for old man winter

October 20 2015
With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather.

Avoid those cell phones while driving

October 06 2015
The NHTSA reports that an estimated 421,000 people were injured in auto accidents in 2012 involving a distracted driver, a 9 percent increase from the prior year. And 31 percent of American drivers ages 18-64 reported that they had read or sent text messages while driving at least once within the 30 days prior to the survey.

Reduce your exposure to intersection auto accidents

September 25 2015
Automobile crashes causing injuries and property damage occur at the highest rates in cities. One study reports that approximately 43 percent of auto accidents are intersection-related incidents. The following intersection safety tips are ones for you to consider...

Building an effective employee performance review process

August 03 2015
Annual reviews can serve as a beneficial development tool to identify, measure, encourage, evaluate, reward and improve employee performance. Documenting employee performance is an important human resources management practice that can help avoid misunderstandings that could lead to legal action...

Have you heard? NH new hands-free electronic device law in effect July 1

July 01 2015
New Hampshire is the latest state to establish a no use of hand-held electronic devices law effective July 1, 2015. This means no use of hand-held electronic devices capable of providing voice or data communication while driving or temporarily halted in traffic for a stop sign or traffic signal or other momentary delays. This includes cell phones, GPS, tablets, iPods, iPads or other devices that require data entry.

Massachusetts Senate attempts to increase accident surcharge threshold limits

June 04 2015
We just learned via the Massachusetts Association of Insurance Agents (MAIA) that the Massachusetts Senate was successful in adding an amendment to its version of the 2016 State Budget that would increase the Property Damage Threshold for Minor and Major accidents. If the language survives the budget conference committee, the new threshold for Minor Accidents will be $1,001 and the threshold for Major Accidents will be $5,001.

Data breach & cyber liability: Real risks in a virtual world

May 11 2015
In today’s commerce landscape, any business that uses technology and stores customer information has to be on heightened alert for risks related to the possibility of a cyber/data breach. Businesses that provide technology to other businesses or have access to another business’ data must be extra diligent because their exposure extends past their client to all their clients’ customers. Data breaches are frequently in the news, and legislation designed to protect consumers puts a tremendous burden on companies to make sure their infrastructures and products are secure.