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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.

Weighing the pros and cons of travel insurance

April 30 2015
Travel insurance is a specific type of insurance that is available to a person who will travel in the near future. It is designed to protect an insured from a wide variety of travel-related losses, including trip cancellation or interruption; emergency medical events; emergency evacuation; lost or delayed baggage, personal effects, passports, and visas; and legal expenses.

Check your sump pump

April 03 2015
Do you have a sump pump in your basement? If yes, it’s important to perform regular maintenance checks to ensure that it’s working properly to keep your home dry and prevent damage from excess ground or rainwater. Periodic checking that your pump is functioning properly can reduce the chances of a failure at the worst possible moment....

10 things you should know about insurance

March 25 2015
1. Your homeowners policy only provides $2500 coverage for personal business property in your home. If you have a home office, you may need to increase coverage to fully protect your computer, office furniture, equipment, filing cabinets, etc. 2. If a tree falls on your vehicle, the damage is not covered under your homeowners policy. You are covered only if you carry...

Coaching your teenage driver

March 13 2015
For teenagers, getting your license is a right of passage. It's a symbol of growing up and having more freedom, but it also comes with more responsibility. Most teenagers seem to have a feeling of invincibility, which is great, but it needs to be tempered with an increased sense of responsibility especially behind the wheel. That's where parents come in....

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...

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...