Celebrating World Motorcycle Day: Honoring Riders and Promoting Safety
World Motorcycle Day is dedicated to the passionate community of motorcyclists around the globe. This day not only honors the freedom and excitement that come with riding but also emphasizes the importance of safety for all riders. Motorcycles offer a unique sense of adventure and connection with the road, allowing riders to experience their surroundings […]
Using Claims Data to Guide Your Risk Management Strategy
We insure a regional, retail food service company with over 50 locations throughout New England. This is a story of success through the application of sound risk management principles. First a snapshot of their claim history. Notice that as the frequency (blue bars) fell from 32 to 2, their severity (red line) dropped from $995k […]
Do you need boat insurance in Massachusetts?
Legally speaking, no. Private boat owners in Massachusetts are not required to carry boat insurance. Despite the lack of state legislation, the majority of boat owners in Massachusetts will still carry some form of coverage for their watercraft, for two broad reasons: Some of the situations where boat owners are likely to find themselves needing […]
15 Types of Coverage Brewers Should Ask Their Agent About
Running a brewery involves a variety of risks at every level of business. While following best practices is always a good place to start, having the right coverage is crucial in protecting your business when calamity strikes. These are 15 types of coverage for breweries, tap rooms, restaurants, delivery, production safety, quality control and distributors […]
The Property Claim Lifecycle
It doesn’t matter if you’re a manufacturer, landlord or a homeowner, a catastrophic property loss will be a milestone event in your lifetime. It will probably be part of every conversation you have for the next several months. It will be something you remember for the rest of your life. I’ll give you the punchline […]
Spring has arrived and motorcycle riders have hit the road
As springtime approaches, you probably notice something in addition to the warmer weather and blooming flowers: more motorcycles on the roads of Massachusetts. Riding looks like a lot of fun, doesn’t it? Just imagine heading down Interstate 495 with the sun shining and the road stretching out to the horizon. There are other benefits motorcycle […]
Employee Photos on Social Media
Question: We would like to post photos of our employees on our social media sites. Are we required to obtain our current or former employee’s permission to use photos of them? Answer: It depends. The issue at hand is an employee’s right to privacy. Generally, employees have a right to privacy in regard to their […]
6 Questions on Dependent Care Spending Accounts
School’s out! Summer is here, and it’s the time of year when working parents have questions about using their Dependent Care Spending Accounts (DCSAs). Are summer camp expenses eligible? What about day versus overnight camps? Employers and benefit advisors want to be ready with answers about this valuable benefit program. The following are the top […]
Car Accidents in Winter
It’s winter driving season in New England. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one.
Insurance Tips for Young Adults
You keep your car filled up with gas so you don’t get stranded on the side of the road. And, your phone charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios? What if you lost everything you owned in a fire […]
