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The evolution of insurance products

February 18 2015
Claims are a major driver in how insurance products evolve. At a micro-level , claims trends can influence what loss situations that insurance companies may exclude from insurance policy coverage. On a macro-level, claims largely determine the markets and/or geographic areas in which insurance companies want to do business....

Tips for protecting property in winter weather

February 09 2015
Winter seems to be making up for lost time. While Massachusetts didn’t have that much snow in earlier winter months, February appears to be making up for it. The snow continues to accumulate with snow this week and there are several more weeks of winter ahead. Property owners are working to keep driveways parking lots and sidewalks cleared. And, when we get this much snow, it’s important...

What's your jewelry worth? When to update appraisals?

February 03 2015
Valentine’s Day is just around the corner. Many of us have given or received a gift of jewelry as a symbol of our love on special days like these. While it doesn’t necessarily make sense to specifically insure every piece of jewelry you own, it’s certainly wise if you have expensive pieces…especially if you wear them frequently. When you “schedule” a special piece of jewelry on your...

Protect yourself before, during & after a blizzard

January 26 2015
While those who live in the Northeast are considered a resilient bunch when it comes to enduring snowfall, facing the extreme conditions of a blizzard can prove dangerous to even the most seasoned dweller. And since you can never truly predict what Mother Nature has in store, the best defense against a blizzard is to...

Where you buy Workers' Comp can make a difference

January 16 2015
Workers’ Comp rates can vary between insurance providers. Where you get your Workers’ Comp Insurance can make a difference. While classification rates are set by the Commonwealth, individual insurance companies may modify/decrease rates for certain job classification. This can result in savings for your business. Beyond the possibility of discounts...

Health Care Reform 2015 compliance

December 29 2014
With the implementation of the Affordable Care Act, a variety of reforms became effective in 2014. In 2015, additional provisions will go into effect including the shared responsibility penalty and related requirements. How the changes apply to your business can vary depending on the employer group size that your company falls under. Employers need to review upcoming requirements and develop a strategy to ensure compliance...

Gender related to type of car crash

September 15 2014
Having a car accident is something that everyone dreads. It’s something that parents of teen drivers especially worry about when their child first gets behind the wheel. Car accident statistics have long shown that younger and older drivers are more likely to be involved in car accidents. However, a recent study published by Kansas State University has shown that gender is related to the type of severe or fatal crash in which a young driver may be involved...

Most stolen cars in 2013

August 25 2014
The National Insurance Crime Bureau (NICB) has released its annual “Hot Wheels” report outlining the vehicle make, model and model year most reported stolen in 2013. The report is based on theft data submitted to the National Crime Information Center (NCIC) by law enforcement...

Is insurance a commodity?

August 19 2014
Insurance can certainly seem like a commodity if purchasing it is primarily price focused. If you’re not an active participate and insurance protection is more of an after-thought, it may not be getting the attention it deserves as a strategic tool to protect your bottom-line. Large corporations often devote thousands of dollars and dozens of staff to pay attention to risk management. Even that team has to engage a broker they trust to fill in the voids and exposures in their risk management plan. As a small to mid-size business, you can emulate their dedication to risk management by...