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February 21, 2024

Winter Newsletter: Saving Money on Your Insurance Program

Car Insurance Savings Check List ✓ Build a Safe Driving Record: Discounts for drivers with clean driving records are substantial ✓ Get your bundling savings by placing all of your policies with our agency. Home/ Car/ Umbrella/ Boat/ Rental Property; The more we insure for you, the greater the discounts our companies offer. ✓ Insure …
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October 13, 2023

September Commercial Newsletter: Flooding & Water

The recent disaster in Leominster reminds us of how damaging mother nature can be. Increased storm severity and outdated sewer/drainage systems have resulted in devastating damage. Most people will look towards their insurance policies to pay for the damages. Depending on the coverages you bought, your policy may or may not respond. Flood DamageFlood …
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October 13, 2023

August Commercial Newsletter: Commercial Auto

Not all commercial auto policies are the same!! Since not all companies are the same, the coverages you need on your commercial auto policy should be customized for your business. Below are a few specialty coverages that you may need. AttachmentsCoverage for toolboxes, plows, permanently attached equipment, customized bodies. Pollution LiabilityProvides coverage for damage …
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July 25, 2023

Working with a Trust… and Shoes!

Growing up, my Dad used to use the phrase, “the shoe maker’s kids with no shoes.” This saying apparently was not a Dad original, but a version of an old Spanish proverb that translates roughly to the saying, ‘the cobbler’s children have no shoes.’ Meaning that someone with a specific skill is often so busy assisting …
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June 27, 2023

Newsletter Summer 2023 | Summer is a Great Time for Reviewing Your Insurance!

Why now? The personal insurance market place is changing. You can get a head of this now. Inflation, ion, frequency of natural disasters, higher claim costs for car and home repairs are all contributing to insurance market changes. Reviewing your coverage, discounts, deductibles, and cost to rebuild your house in todays’ environment are more important than …
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June 27, 2023

June Commercial Newsletter: Insurance Costs

Clients ask us all the time why their premiums increase when they haven’t had any claims. It’s a fair question, and one that has several answers. While individual companies may adjust pricing for their specific reasons, below are factors that all insurance companies deal with when setting their rates. Reinsurance All insurance companies purchase insurance …
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May 26, 2023

May Commercial Newsletter: Why Do I Need Cyber Coverage?

You might be thinking, why do I need cyber liability insurance? Or, is it worth the additional cost in premium? These common misconceptions will shed light on the importance of purchasing a cyber insurance policy and the potential risks of not having one in place. 1. I’m not responsible because I outsource According to …
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April 25, 2023

April Commercial Newsletter: Employment Practices Liability

Employment Practices Liability Finding and keeping good employees is always a challenge. We all try to provide a good work environment with good pay and benefits. However, no matter how hard we try, there are always going to be employees that do not agree with how we run our businesses. The added issues with remote …
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March 26, 2023

March Commercial Newsletter: Co-Insurance

Co-Insurance What You Don’t Know May Hurt You Insurance policies are legal contracts that have exclusions, limitations and other stipulations that affect your claim payment. With the increased cost of materials and labor, having the correct amount of insurance is crucial. Most people think that they can collect up to the amount of insurance …
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October 15, 2022

Newsletter Fall 2022 | What Is In A Name?

… A LOT when you are working on your insurance program! Your insurance policy is your contract with the insurance company, and we need to make sure it is accurate. During the past five years many of our clients have updated their property ownership to newly created trusts or LLCs and some have transferred ownership …
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