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Registry Changes Impact Our Clients

  Massachusetts is like no other state I know when it comes to the registry and car insurance. Our work in servicing clients is extremely intertwined! The MA registry does not issue plates or transfer plates unless the car owner has all the right paperwork, no over outstanding tickets or fines, a valid license, money …

Tornadoes : Recent and Past

Nashville 2020 Worcester 1953 Another family dinner and another insurance topic! Last week the devastating tornado that ripped through Nashville was the topic at dinner one night. My daughter has a friend who recently bought her first house in Nashville and as I watched the damage estimates from the storm, I wanted to know how …

President’s Day Weekend and Motor Scooters!

This past weekend, we enjoyed a few days visiting family and visiting a few sights in the Washington D.C. area. Although it was a holiday, the crowds were manageable and the weather was just perfect for touring D.C. The walkways in many parts of D.C. are wide and usually quite simple to navigate. Though, this …

Leaving Too Soon

The tragic passing of Kobe Bryant was a large topic of conversation at our house this past weekend. As I am only a marginal basketball fan, I have to admit I was astounded by the reaction of Kobe’s fans, teammates, a large circle of friends, coaches, and mentees. In addition to his family and friends, …

Reflecting: Personal Thankfulness.

Our agency is very thankful for our co-workers, friends, families, clients and business partners.  We are grateful that each day provides us with the opportunity to do something that makes a difference to someone. Team Herlihy is also thankful for our community non-profits that provide our agency with an opportunity to be a more active …

It Came from Beneath the House!

Did you close that Home Insurance Coverage Gap? Many clients are not aware that they may be responsible for the pipes and lines under their property. During the past few years home insurance offered and additional coverage called Service Line. This additional coverage may cover losses for damage to water , sewer, communication or electrical …

Carvana – Cars and “7 Day Risk Free Returns” and No Coverage?

There is no question that we all appreciate a stream lining of the car purchasing experience. We love to save time and money.  Carvana.com company out of Arizona is a newer company that our clients have been reviewing for car purchases.   Since this company is operating with its home base out of Arizona, the company …

Sharing what we hear from Our Clients about the Registry of Motor Vehicles this Fall

At Herlihy insurance Group we do provide our clients with complimentary registry services each day.  We know that this service makes the lives of our clients just a bit simpler! We have great success at the registry obtaining your new plates, transferring your plates, and gathering information for our clients on specific  transactions. During the …

Our Airbnb Weekend Adventure

Spending the weekend at a friend’s house is always a fun event to which we look forward to. Spending the weekend at a stranger’s house, now that is what I call an adventure. Our weekend Airbnb rental was very clean, quaint and conveniently located near our event.  Our host left us many directions which we …

Back to School and Your Cars!

At Herlihy Insurance Group we  love this time of year when the kids around us all head back to school!  As you are reorganizing your kids, cars, and chauffeur duties, once you have your new routines setup it is a perfect time to update any insurance related things! Here’s are a few more  of  our …

Your Office – Your Home – Beware of Vendor Fraud

With vacation days, missed emails and of course a few mail items read later than usual at our house we typically get an overdue notice of some sort! Of course that never happens at our office, but at our house…….. well maybe. I recently read a Vendor Fraud case that really got me thinking. In …

Tornados and your Property

The summer of 2019 was going on our records as perfect weather for vacationers. The Cape Cod vacationers this week were thrown for a loop when a Tornado actually touched down. Fortunately it looks like there were no serious injuries from this event. There have been reports of property damage and major power outages which …

7.1 Earthquake hits Southern California

Over the holiday weekend the chatter on the beach was about the Southern California earthquake activity and Tsunami escape routes. Since we were sitting looking out at the Atlantic Ocean I really did not pay much attention to the proposed escape routes. Once I returned to my office I did start to think about all …

Insuring Your Home – A Vacation Rental?

More and more of our clients are taking advantage of the relative ease of renting through online rental services, whether a vacation home or a part of their own house. I’ve heard it described as “found money.” However, there are a few insurance implications that should be reviewed before you start the renting! A few …

What’s in Your Lease Agreement?

This time of year always seems we have many clients moving around. Whether this it’s a growing business client, students moving to a new summer location, employment relocations, or home sellers down sizing, if they are renting a new location a new lease is part of the process. Renting and leasing property comes with a …

Golf Carts and Your Insurance!

Its that time of year again when many take out their golf carts! I remember the days when golf carts were only used on golf courses. Today we see all kinds of golf carts in many different places. If you own a golf cart, your home and car insurance policies will not provide you with …

Graduation, Wedding, Barbecue…. Is it Party Time At Your House?

At Herlihy Insurance Group we know there is nothing quite like a family party. All are invited and for those who love to host it is a pleasure to share your home with others for celebrations. Whether you are a parent with kids or an empty nester with friends, as you host events please be …

Thinking of driving for Uber or Lyft? Review this GAP in your Car Insurance!

There is no question that these ride sharing services have become quite popular and can be very convenient. At Herlihy Insurance we just wanted to share how your Massachusetts car insurance would respond if you were a DRIVER for one of these services. There is a GAP in your coverage if you do not update …

Celebrating Small Business Week at Herlihy Insurance Group!

The year was 1927 Jim Herlihy was departing from Holy Cross College and embarking on his insurance career by starting James J Herlihy Insurance Agency. Inc. This was the year Charles Lindberg crossed the Atlantic in the first solo flight and the Wall Street crash of 1929 had not yet occurred. I am sure that …

Dinner Conversations at the Herlihy House: The just-married insurance checklist!

Another dinner and a brand new conversation at our dinner table. The proposal was made. The date is set and we have another “splitter “.  In our house two people getting married means there is another splitter in the group! Before we get to that , we know that insurance is one of the last …

Your Properties and the Earth!

As we celebrated Earth Day yesterday the earth in Massachusetts did its own celebration. At about 6pm April 22 the Massachusetts Emergency Management Agency reported that a small earthquake registered a 1.7 magnitude. This occurred in the Gloucester and Marblehead area of the state and no damage was reported. I did hear the weather reporter …

Fire at Notre Dame and Your Insurance

The devastating fire that engulfed the Notre Dame cathedral seemed to capture the attention of millions this weekend. This Cathedral was built in the 12th and 13th centuries is not only a landmark for the French but also a host to over 13 million visitors a year. The good news from this event is that …

Spring Home Renovations and Your Home Insurance

As we officially enter our spring season many homeowners start to think about home remodeling! There are no questions that remodeling a home is exciting! For many of our personal lines clients it can be the second biggest expense of their lives after the purchase of their home. So we like to review the insurance …

How “damages” have changed and what you should check on your car insurance!

We always check in with our clients on their liability limits. Do you have “enough”? How much does it cost to have more? We can always figure out the how much it costs part. As for the “Do you have enough?” part… if we could only see the future! We always spend a lot of …

Are you a landlord? Do you need your rents?

Last week another substantial fire occurred in Worcester. Seven individuals went to the hospital and initial reports indicate that  fourteen people were displaced. Every time we see a fire on the news our office typically then goes through the list of insurance coverage we hope that building owner purchased. This week we spent some time …

House Parties, Office Parties and all the Fun!

Last week a group of account managers were reviewing some coverage differences on a few policies. Yes, I know this sounds dreadfully boring, but it is our job here at Herlihy Insurance to know this stuff and our team takes great pride in knowing how policies work. We always need the basics about your property, …

Wicked Weather and a Look Back at the Worcester Tornado of 1953

The destructive tornado damage that occurred this week in Alabama reminds us all of the power of mother nature. I was not around but my parents were for the tornado in June of 1953. This tornado had stayed on the ground for ninety minutes and traveled across 48 miles . To date the Worcester tornado …

Dinner Conversations at the Herlihy House: When car accidents happen…

We really do review other topics at our house, but there was a tragic car accident all over the news. It was a slippery road night in upstate New York and a car was stopped in the middle of the highway. According to reports a driver went to pass the vehicle stranded on the highway and …

Uber, Lyft and your Massachusetts Car Insurance

There is no question that since Uber arrived in Massachusetts in 2011 and Lyft in 2013, the way we get around has really changed. I am always amazed at the different drivers that transport us around. I always like to ask, how they like the work and usually get a sense of whether they are …

Dinner Conversations at the Herlihy House: The Cars you Drive and Why it Matters!

It was dinner time at our house again and as my daughter detailed the events of her day, we began a conversation discussing her using a company car for attending a monthly meeting. Yes, this does sound like another boring dinner discussion but we did review a few items that ANYONE who has a Massachusetts …

Snowmobiling this Winter Season?

Snowmobiling is a risky winter sport for a number of reasons. The speed these machines can travel, the fact that trails can be multi-use, and the high likelihood of compromised visibility can make snowmobiling tricky. Snowmobile insurance is not required in every state, but it is mandatory in some states, and in some parks and …

New Mass Law on Short Term Rentals: What it means to Your Property

If you are a property owner that rents out your property for any short term rentals this new law needs your attention. “An Act Regulating and Insuring Short-Term Rentals” is now on the books in Massachusetts.  This was passed in December, 2018 and takes effect on or after any bookings being made now or after …

Dinner Conversations at the Herlihy House: Cyber Security

You may think we have the most boring dinner conversations ever, but we are back to the topic of cyber security again this week! Incase you missed the news, the Marriott  experienced a major data breach recently spanning throughout the whole chain and its brands (Starwood, Sheraton, Residence Inn, Courtyard, and many more) Data-protection experts …

Dinner Conversations at the Herlihy House: Internet Fraud

Now that the weather has cooled off we are back with more family dinners at our house! Last night’s dinner conversation involved my daughters first hand witnessing of cyber fraud. Short story – goes like this….. A client was purchasing a property and the closing for the sale was scheduled for Friday. The client received …

Save Money on Car Insurance like Never Before in 2018!

Driving Records can Impact Your Car Insurance Pricing in 2018 more then ever before! At our agency we are seeing a new twist on Massachusetts car insurance pricing thats impacted by accidents and driving records. We think this information is worth sharing with you. Prior to 2018 most Massachusetts car insurance companies did not include …

The Weather! What Now?

This past year the weather certainly has been stormy! We have all followed the stories of hurricanes, wild fires and other severe weather incidents in our country. I must admit I always thought, aren’t we fortunate not to have any of that type of weather here around us! Yet bizarre weather continues to occur. As …

Your Home and Its Equipment

As a Homeowner you probably maintain your home insurance policy and you may be thinking, what else could I need? But have you reviewed the option of adding Home Equipment Breakdown Coverage? Equipment Breakdown Coverage extends the basic home insurance policy to cover such things as: Expenses associated with repairs or replacement of covered equipment …

Cyber Risk and What You Can Do

The majority of us have our personal information out in the digital world. If you do anything online these days you have been entered into a world of cyber risk! The internet has taken us into a digital world where identity theft, ransomware and computer viruses have the potential to be just as destructive as …

Fires, Floods, and Destruction

During the past week we have all seen the property damages caused by gas explosions in Lawrence, Andover and North Andover, MA and the damages caused by Hurricane Florence all over the news. We make sure that in our office, when these emergencies situations occur, we quickly scan our loss reports to see if any …

Worcester’s Soaking

Last week Worcester was drenched on Friday night.  Reports indicated that more than five inches of rain fell on the city within a few hours.   Here is a view from one city street! Although we hated the storm we do LOVE that this gets people talking about Flood Insurance and Coverage for Backup of Water …

Wild Fires and Your Insurance

The California wild fire destruction over the past few days has been immense.  The loss of life and property caused by these fires has been heart breaking.  Our thoughts and prayers go out to all who have been impacted by these fires and all of the men and women that continue to battle the fires. …

Who’s Hosting?

As we roll into June the graduation party, wedding party and “BIG” birthday party invites tend to appear in our mail and email.   This is always a very fun time of year to celebrate.  Our family gets to visit with many friends and relatives that we may not have seen for a while.  Each party …

Who is home and why it matters!

My parents always taught us that honesty was the best policy and I must admit usually this is absolutely true! For some strange reason at times individuals do not always tell their insurance agents the “truth” about their homes.  We all know that there can be grey areas about all sorts of things in life …

What is the Score? Credit Score Vs. Insurance Score

These days your “insurance score” may have a dramatic impact of the cost of your home insurance. The term “insurance score” is essentially a rating that is computed by insurance companies.  According to the insurance companies your score represents the likelihood of you filing and insurance claim during the time that you have coverage with …

Welcome to Life Insurance Awareness Month!

We at Herlihy Insurance Group are committed to educating our client about insurance.  Some time that job is tougher than we would like! Life insurance is typically one of the topics that many of our clients prefer not to discuss.  We frequently hear, “ I am all set.” Or “That is too expensive.” Or “ …

Weather in the news

Usually it is never a good thing when the weather makes the news!  Last week torrential rains wreaked havoc on already flooded parts of southeast Texas as one major river has swelled to levels not seen in more than 100 years. Flash floods were an issue in many parts of Texas as a slow-moving storm …

Fall Time and our Activities

At this point most of my friends and family are out of summer mode and into their various activities. Most of us no longer have time to sit on the beach but are off to driving people places and attending all kinds of meetings and activities. As you may be gearing up for any “unsummer” …

The Back Niners – Trusts and Who Owns What

Whether you are on the “back nine of life” or not you are probably related to some one who is so we at Herlihy Insurance Group want to share a story about our client. For this story we will call them the Back Niners.  The Back Niners were working with their estate attorney to organize …

Tornadoes are a thing ——- Time to check out your insurance coverage.

Back in our school days we studied all types  weather and I rarely remember any of these weather events happening around us. Now in the past 5 years we have had two tornadoes hit our direct area!  Below is a photo from this week’s event. As I turned to get up from my desk, I …

Take another Look at Trusts!

This week I was assisting a sibling with a question on flood insurance.  Well technically I did not do the assisting.  Our Herlihy Group Flood Guru answered the question, but during these conversations we were reviewing an individual’s home info.  As we reviewed the client’s options we noticed that not only had the street number …

Summer Life On The Liability Ledge

As we in Massachusetts completely enjoy our summer weather, some of us in the insurance world can be restless and here is why. Picture this – You are seated so comfortable in your beach chair, blue skies over head, cool beverages and friends by your side.  You should not have a care in the world! …

The Sun is Back and Solar Panels are “In”!

More and more solar panels are going up in area home and businesses. That’s great news for the environment and great news for saving money. So you can keep all the good news coming, if you added solar panels to your home, businesses or land, please give your insurance agent a call. These additional panels …

Social Host Laws and Prom Time

This morning the office talk turned to prom time.   The group was a bunch of guys so the usual hair, dress and nail discussions were not the topics!  The topic was the “after party”. The proms and the parties are a right of passage for both kids and parents. We know that “after parties” or …

Social Engineering Fraud and Your Business Insurance

As one of our company partners stated, “ An old con is a new threat.” Our challenge is always how to get the message out about new risks to our clients. In today’s interconnected world, there are new challenges with “fraudsters” lurking in the anonymity of cyber space. Social engineering fraud is when a “fraudster” …

So who is living with you these days?

So who is living with you these days? Do you have a “co occupant” We don’t mean to be personal………….but we do want your insurance to work! If you happen to be living with a non relative person and you want to include them on your insurance, there are a few steps you should consider. …

Service Line What?

Let’s take a look at a newer insurance coverage now offered on many home insurance policies! Each insurance company has a slightly different description of this coverage so it is always best to check for the details of this coverage with your insurer. Service Line Coverage provides payment for loss or damage resulting from a …

Risky business: Two –thirds of homeowners are underinsured

The J.D. Power survey indicates that two thirds of most homes in the United States are underinsured.  Is yours one of them? I think one of the most confusing parts of home insurance is that most consumers believe their policy limits are based on the real estate value of their home rather than the replacement …

Protect Yourself with Renters Insurance

Several recent studies have indicated that only a third of all tenants have renters insurance. Respondents to these surveys often indicate that they believe the coverage is too expensive or that the coverage is provided by the landlord. Yet both of these assumptions are incorrect. First, the average renters premium is approximately $185 per year. …

New Driver at your House?

Know the facts! We all know it costs more to have a  newly licensed driver in our house and you get a lot less sleep as you are waiting for that car to come back into the driveway. A few expenses your new driver can avoid are the Junior Operator License Violation Penalties.  These can …

My Home Office

In our house “My Home Office” is not your typical home office but it is my spot where I keep my important stuff. Unfortunately for anyone who enters this space it can some times be some what of an obstacle course. When I am working from home and I am finished with a “project” I …

Car Rental and Car Insurance

Well my husband is off on another business trip and that means that he will eventually be headed to a car rental counter in some airport. It is always a bit confusing to come out of a new airport in a new “rental” car and listen to a GPS to tell you which way to …

Decline in Life Insurance

It has been stated that the percentage of households with life insurance coverage is at its lowest level in fifty years.  Some 11 million households with children younger than 18, have no life insurance. Not really sure what I can single handily do about that, but I will try! Life insurance is purely a voluntary …

Keeping Your Home Safe

The Federal Bureau of Investigation reports home burglary occurs in the United States every 13 seconds.  About thirty percent of these occur through an unlocked window or door. There are numerous things a home owner can do to reduce his or her chance of being a victim of this unfortunate crime.  Many of these are …

Jewelry

Summer Time Jewelry Woes As we are relaxing on the deck enjoying a hot and humid late Saturday afternoon, Tim says, “I have a question about my friend.” I always love questions about friends. It seems that I always learn some thing any time that I am asked a question about a friend. In this …

Household Members Are a Thing on your car and home insurance?

As the seasons change so may our households which is why this is a great time to take a look at your household members! In Massachusetts your “household members” are referenced on both your car and home insurance, so understanding how these work is important. On your car insurance it is pretty simple.  All “household …

Home Based Bus

As I sit in my home office today I have already advise my household occupants that my office is open until 4:30 and I can not take any non business questions until after that time. Of course there is some eye rolling and a stomp or two of feet, but then they go away.  The …

Holy Pot Hole

Pot Hole Season is Here! Now that most of the snow and ice are finally off our Massachusetts roads, we meet up with Pot Holes.  From the reports we are getting from our clients we may want to rename these Pot Craters! I can never decide what exactly to do when confronted with a large …

Hit and Run

Sharing the claims of our clients…………………………… This is the claim story of an age old problem……………..  The Hit and Run. Each year we have a number of these accidents reported to our agency.  If this has ever happened to you, the mention of the Hit and Run probably raises your blood pressure. These unfortunate events …

Heat Pipes

Had enough WINTER yet? It is just too cold and snowy to blog much today as we get ready for another snow event.  I have to get more ice melt and get the shovels ready. But all this cold weather this weekend reminded me that I should remind all of an important cold winter fact. …

Flood Damage

Are your home and car insured? The devastating natural disasters in Texas and Florida have got a lot of people talking about their insurance coverage. We wanted to take a moment to go over a few flood insurance basics for car and property owners. Your car insurance and flood damage: If you have selected comprehensive …

Did you get your Linked In Data Breach notice

Notice of Data Breach You may have heard reports recently about a security issue involving LinkedIn. We would like to make sure you have the facts about what happened, what information was involved, and the steps we are taking to help protect you. What Happened? On May 17, 2016, we became aware that data stolen …

Cyber Monday

Watch out for Cyber Fraud We at Herlihy Insurance Group want to remind all consumers to be careful!  At our own agency we have recently had emails appearing to come  directly from Jim Herlihy asking for our bank info.  When I checked in with him, he was not the sender. Avoid Cyber Crime: Tips for …

Collector Vehicles

Collector Vehicles- Are you a lucky owner? We at Herlihy Insurance Group are working to get the message out on Collector Vehicles. Recently on our office we have had a few calls about Bentley’s, Corvettes, Antique Fire Trucks and a few Mustangs. All of these inquiries gave us the change to revisit a few important …

Blog for Monday

Almost Spring and Your Home Insurance Options! It is really almost spring time so why not take a moment to see what your home insurance may now offer? As an independent agency we represent over ten home insurance companies.   This is good news for our clients as this translates into many options for coverage and …

Back to a new car

Back to a new car, THE GAP and $25 We are back to car buying at our house again.  Right now I am hoping that my husband is NOT following my blog post.   For now the “we” is my daughter and I.  When the car mechanic says, “You really need to get rid of that …

At Fault

At Fault, Not At Fault and what an accident can cost One question we get frequently from our clients is how much will my insurance go up after my claim? Unfortunately there is no simple response for this question.  The cost of any accident surcharge will vary depending on many variables such as the car …

Are you or your family members Driving for Lyft

Are you or your family members Driving for Lyft, Uber of any other people transporting entity? If you are in Massachusetts beware the EXCLUSIONS on your car and personal umbrella policies!  They are frightening. We want all of our clients, friends and families to know the real facts about their car and umbrella insurance coverage. …

Agent Mark Author

Home Sharing and Your Home Insurance In our house there are not a lot of folks lining up to “home share” with us.  Could be the kids, the bird or just me, but as of this posting, no inquiries have been made. I do realize that there are a number of people out there who …

A 401K story

A 401K story…………..to read At Herlihy Group we love to share our real life client experiences with our clients , friends and  families. This share is about  our employee and  what happened to her “left behind” 401k.  First,  a few facts about 401k plans in general. 401(k) Portability Chances are,  most of us will change …

Robbed

So this Herlihy Group blogger had now become a robbery statistic!  My husband and I have owned different homes for the past 29 years and 2016 is the first time we have ever experienced a home burglary. There are no words to describe the “creepiness” of this event.  So as not to share all of …

carshar

Sharing was suppose to be a good thing! My parents always told us to share our things.  I must admit we were probably not the BEST sharers growing up but this concept was not foreign to our home. During the past two years in Massachusetts we have seen a number of new “car sharing” or …

100 Days and then what?

Several times a year I hear about a family that is struggling with taking care of a sick relative. In many of these cases this involves an adult child assisting an elderly parent. With an elderly person the medicare coverage is typically utilized. Here is a very basic overview on how the medicare benefit pays. …

Insurance can be complex
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  • Let's Get Started

    Thank you for your interest Getting Started with Herlihy Insurance Group. We represent over 25 business insurance companies which means many insurance options for you and your business.

    Whether you are looking to compare your current insurance program or obtain info for your new business we at Herlihy Group appreciate your inquiry look forward to Getting Started!

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    If you would like a Herlihy Insurance Group quote with all of our financial services options, please provide the info below and one of our local account managers will reach back out to you.

    Whether you are looking to compare your current insurance program or obtain info for your new business we at Herlihy Group appreciate your inquiry look forward to Getting Started!

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