Year: 2020

  • Commercial Plates MA: Info for Massachusetts Business Owners

    Got questions about your MA commercial plates? Our team is here to help. After 60+ years of insuring Massachusetts businesses—including those with sizeable fleets and heavy equipment—we are well-versed in state requirements and procedures. Further, we believe a key aspect of our job is helping clients handle commercial plate transactions. How should insurance agents help […]

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  • insurance for dog owners in Massachusetts

    Dog Bite Insurance for Massachusetts Dog Owners

    Dog bite insurance claims are increasingly common. Nationwide, claims numbered nearly 17,800 in 2019. The average cost of a dog bite claim is increasing, too—especially as the price of medical care rises, and as juries award larger settlements to injured plaintiffs. In 2019, the average cost of a dog bite insurance claim totaled $45,000. What […]

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  • Builders Insurance Costs: 4 Easy Steps that Could Improve Your Rate

    Builders insurance costs (premiums) are dependent on a variety of factors. And when it comes to one key rating factor, the fate of your rate is largely in your own hands. It’s called your online presence (i.e. your website, social media accounts, and client reviews). More than ever, optimizing this factor could play a role […]

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  • insurance for snow removal

    Snow Removal Insurance: Key Differences in Coverage

    As you’ve probably heard—or have experienced firsthand—it’s increasingly difficult to buy snow removal insurance these days. An uptick in lawsuits, combined with unfair regulations, drive up the cost of snow plow insurance, by transferring the lion’s share of the exposure to snow and ice contractors. Many commercial carriers don’t want to write these policies. Those […]

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  • furloughed employees during covid and workers comp

    Workers Comp Class Code for Employees Furloughed due to COVID-19

    You may have heard about a new workers’ comp class code for employees furloughed due to the COVID-19 pandemic. The code offers a prime opportunity for qualifying employers to save money on MA workers’ comp. But there is a time-sensitive element to it… To help translate the WCRIBMA guidelines and help you prepare for audit, […]

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  • water damage in home needs insurance payment

    How to Get Insurance to Pay for Water Damage

    Written by Paul West, PRMA

    You come home from vacation to find a small pond has materialized in your basement. Something in the house has leaked, overflowed, or exploded. Your first reaction? Panic. Your second: How to get insurance to pay for water damage? Take a breath and skip the panic. The following steps are designed to help. How to […]

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  • beach house covered by HNW insurance

    HNW Insurance: Live Large, Insure Simply

    Written by Paul West, PRMA

    Successful people tend to live life on a larger, faster scale. The things you own, the places you go, the ways you interact with the world: all add a layer of complexity to your personal  risk profile. When compared to the list of things that could go wrong in the average household (fire, flood, burglary) […]

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  • record low interest rates are prompting many to refinance

    Is Now a Good Time to Refinance…and Review Your Home Insurance?

    Written by Paul West, PRMA

    According to the Wall Street Journal, 30-year mortgage rates just reached their lowest level ever. Yup, you read that right: America’s most popular home loan hit a record-low rate of 2.98 percent this month. Plug that new number into any online mortgage calculator and compare it to the average interest rate from two years ago […]

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  • inlaw apartment above the garage

    In-Law Apartment Insurance

    Written by Paul West, PRMA

    In-law apartment. Granny flat. Guest house. Casita… In the insurance world, the technical term for these living spaces is “accessory dwelling unit” (ADU). In the real estate world, the operative term has more or less become, “where can I find one?!” That’s because in-law apartments are growing in popularity every year. More than 60 million […]

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  • paul west, risk advisor at C&S Insurance

    Paul West Joins C&S Insurance as Private Risk Advisor

    Written by Liz O’Neill

    Exciting news here at C&S Insurance: Paul West, veteran insurance pro and private risk advisor, recently joined our team. Paul rounds out our private client specialty division, which offers comprehensive insurance for high net worth households, successful families and individuals. Paul brings considerable experience and a proven track record in building effective HNW insurance plans. […]

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