Insurance premium payments are different from other bills. If you're late making a payment there is more at stake. Late payments can impact your premium costs and insurability.

Your past experience with insurance audtis has probably set your opinion of whether they are routine or something that you dislike. if you've found audits challenging, consider following these tips help your business avoid audit surprises and make the process smoother in the future.

Depending on who you ask, the reaction to insurance audits vary from “it was no big deal” to ”mildly annoying” to “frustrating”. As an agent, we wish that every audit fell in the “no big deal” category. By having a clear understanding of why audits are conducted, being as accurate as possible upfront with policy applications and maintaining proper documentation, businesses can make the audit process easier and avoid surprises.

Property owners, who use mulch in their landscaping, need to be aware of the Massachusetts Mulch Fire-Safety laws. These apply to commercial and residential properties with six or more units, but it's good information for every property owner to follow to prevent fire.

Many business owners fail to think about how they would keep their business afloat if they were forced to temporarily close. Business income (interruption) coverage can help with operating expenses during the period of restoration. With COVID-19 disrupting global supply chains and sales, businesses are losing income and incurring additional expenses as a result of the interruption. BI can also provide coverage in the event the damage or destruction of non-owned property reduces or terminates the business owner's earnings.

Standard property insurance covers physical damage and losses—furniture destroyed in a fire, a storm-damaged office building or stolen equipment. This coverage can help you pay the costs of rebuilding or replacing damaged property. But what about losses resulting from your business’s inability to operate because of property damage? For this type of loss, you’ll need business interruption insurance, also known as business income insurance.

Companies using independent contractors need to evaluate these relationships using a three-part test to determine whether the worker classification is proper under the MA state laws. If an employer identifies an issue but does nothing, they risk stiff penalties.

Ice dams can be a homeowners worst nightmare. When melting snow freezes at the roof edge causing water to back up under the roofing material, it can cause significant water damage to a home. Consider these tips for prevention.

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.

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...