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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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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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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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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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How to Get Insurance to Pay for Water Damage
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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HNW Insurance: Live Large, Insure Simply
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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Is Now a Good Time to Refinance…and Review Your Home Insurance?
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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In-Law Apartment Insurance
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 Joins C&S Insurance as Private Risk Advisor
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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Massachusetts Fireworks Law and Your Home Insurance
The Massachusetts fireworks law is pretty simple: if you don’t have a professional license, it’s illegal to use them. It’s also illegal to sell fireworks or have fireworks in your possession (even if you purchased them legally in another state). What’s included in Massachusetts’ definition of “fireworks?” Anything explosive/combustible that gives off a visual or […]
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Father’s Day Gift Ideas from Massachusetts Small Businesses
Still scrambling for Father’s Day gift ideas? We’ve got your back. Hit the town this week and browse these local MA businesses to select the perfect present for dad. We love shopping local because it’s a fantastic way to support the community. It also makes for a more personalized experience – you get to know […]
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Pay Per Mile Car Insurance: The Good, the Bad, and the Unknown
Pay per mile car insurance is a hot-button issue right now. After all, during the COVID-19 pandemic, most people are driving significantly less than they did before. Auto insurance companies have acknowledged this fact by offering a one-time discount off your premium for fewer miles driven in April, May, and now June… But what if […]
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The Next Hurricane: Your Path to Preparedness
The 2020 hurricane season is now underway, with experts predicting “above normal” activity in the Atlantic. If you haven’t reviewed your insurance policies lately, now is a smart time to ask your agent about which coverages you have and which ones you don’t. Common gaps to discuss: Flood Insurance in Massachusetts Sewer Backup Coverage Building […]
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Our Plan to Reopen C&S Offices: Mansfield, Attleboro, Dedham, Bridgewater
As an essential business, C&S was never closed during the COVID-19 pandemic. However, we did close our offices to clients, visitors, and other members of the public for a period of several weeks. Now, as the state begins its phased reopening, we are taking steps to reopen our doors–albeit with new guidelines in place to […]
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Renewing Business Insurance during the Pandemic: Tips for Business Owners
In an ideal world, renewing your business insurance is something you do after careful planning and analysis. Taking the time to review what happened last year and anticipating next year’s coming changes is the best way to ensure your new policy will provide adequate coverage at an optimal rate. Unfortunately, during the current pandemic, many […]
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COVID19 Workplace Safety Standards: Mandatory in Massachusetts
The four-phase approach to re-opening Massachusetts is underway. If you’re re-opening your Massachusetts business in the coming weeks, here are four items to download (and complete), according to state guidelines: COVID-19 control plan template – A template that satisfies the written control plan requirement for self-certification. NOTE: you don’t need to submit this plan to state […]
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Home Insurance Discounts for Minor Home improvements
Some home insurance discounts are pretty widely known. For example, you probably already know you can save money if you bundle your insurance (purchasing home, auto, and umbrella coverage through the same carrier). Paying your annual premium in full, at the beginning of your term; paying via automatic withdrawal; or opting into paperless billing (i.e. […]
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Business Insurance Audits and COVID-19
They happen every year: business insurance audits. COVID-19 makes this year’s process a little more complicated… and potentially confusing. If you’re wondering how different payroll and operational changes could affect your audit, the following FAQs may help. During the pandemic, we’ve included COVID-related audit questions up top. More general FAQs about annual business insurance audits […]
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7 Steps to Reopen Your Business during the COVID-19 Recovery
Massachusetts officials are cautiously optimistic, as COVID-19 infection rates seem to be leveling off in our state. A four-phase reopening plan is now underway, with at least three weeks between each phase. And business owners from all industries are getting ready to bring people back to their offices, stores, and job sites. What do these […]
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Chuck Quealy Joins C&S Insurance as Agency’s COO
Everyone is hungry for a bit of good news this spring, so our latest hire couldn’t have come at a better time. (Discounting the wild rainstorm that knocked out our server on his first day.) C&S Insurance is thrilled to announce the newest member of our team: Chuck Quealy, COO. Yesterday we sat down with […]
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COVID-19 Small Business Loans Scam Alert
As you’ve probably heard, The Paycheck Protection Program (PPP) represents a major portion of the U.S. government’s recently deployed CARES Act. The PPP consists of $350 billion in government-backed loans—distributed via private banks. Unfortunately, because so many small businesses have been affected, and because banks are implementing this program on the fly, the application process […]
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C&S Insurance Welcomes Kelly Trabulsie as Agency Controller
Spring means growth, and for our ever-expanding agency that’s as true inside the office as it is outside. So let’s have a virtual round of applause for another new addition to our incredible team: Kelly Trabulsie, Controller. While Kelly is joining C&S at an unusual time (with most of us working from home temporarily), we […]
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Coronavirus Payments: Be Wary of Scams
With many Americans looking forward to receiving coronavirus payments during a difficult financial time, the IRS is now warning of fraudulent phone calls and emails related to these funds. Scams are on the rise. Read the following FAQs to help protect yourself, your friends, and family–especially any senior citizens in your life. Meanwhile, some financial […]
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The CARES Act: Coronavirus Aid, Relief & Economic Security
FAQs from Small Businesses on the New CARES Act While we are not financial advisors, bankers, or accountants, we have been fielding quite a few questions about the CARES Act from our commercial clients. Below is a list of these FAQs along with answers we’ve curated from a host of reputable sources, including the SBA […]
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Is My Business Essential? COVID-19 Restrictions in MA
In response to the COVID-19 pandemic and rising case numbers throughout the U.S., Governor Baker recently issued an emergency “stay-at-home” order for all of Massachusetts. The order limits the movements of Bay State residents, and requires all “non-essential” businesses to close their doors until further notice. Which, for many business owners, begs the question: Is […]
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Is the RMV Open? COVID-19 Response in Massachusetts
Is the RMV open in Massachusetts? Yes, but with limited access. As our Bay State businesses begin to reopen, state officials are still encouraging MA drivers to stay away from RMVs, if possible. The registry is emphasizing that most transactions can either be completed online, or postponed while social distancing guidelines are still in place. […]
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Business Insurance and Coronavirus: Are You Covered for Lost Income, Employee Illness?
Does my business insurance cover losses due to coronavirus? If you don’t have time to read this entire article, we can tell you up front that the answer is, unfortunately, probably no. But we think it’s important people understand why this is currently the case. (NOTE: there may end up being coverage, as we are […]
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Driving Record Points in Massachusetts
What are driving record points in Massachusetts? Driving record points (a.k.a. “insurance points” or “surcharge points”) are designed to punish or reward you, based on how safely you drive. In Massachusetts, the point system is known as the Safe Driver Insurance Plan (SDIP). So, you might also see the term “SDIP points.” Each time you […]
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Do I Need an Insurance Agent?
Do I need an insurance agent? Why?? If you’re young enough that you can’t remember a world without the Internet, you’ve probably asked these questions at one time or another. Similarly, you may have wondered: Why does anyone need a travel agent? Or a piano teacher? Or a book store? Everything they offer can be […]
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Renters Insurance with a Dog? Yes and Yes.
Can you buy renters insurance with a dog in your apartment? Yes you can, and yes you should. Here’s why: Dog bites cause over 800,000 serious injuries in the U.S. every year. Even if the bite victim was teasing or provoking your dog, you, as the owner, may be held liable (see below). Securing renters […]
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Cell Phone Driving Laws in Massachusetts
Do you know the cell phone driving laws in Massachusetts? If you haven’t been following the news, you may need a refresh. Because the rules just changed… Effective February 23, 2020, Massachusetts’ new hands-free law makes it illegal for drivers (and bicycle operators) to hold any electronic device while driving, even if the vehicle is […]
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How to Insure Jewelry: 4 Easy Steps
Ever wondered how to insure jewelry? Or how to get insurance for your engagement ring and wedding bands? Luckily, it’s not as big a chore as you may think. And it’s well worth the effort when you consider all the ways fine jewelry can get lost, stolen, damaged, etc. (Did you know, by the way, […]
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Insurance for Commercial Trucks: 14 Questions to Ask
Insurance for commercial trucks and vehicles is a tricky issue—especially as our work-life boundaries continue to blur. Many companies allow employees to take trucks home at the end of the day and use them regularly in their personal lives. Other companies ask employees to use their own cars during the course of the business day. […]
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Car Insurance for a Nanny (or Other Domestic Employees)
Do you need to buy insurance for a nanny? The short answer is yes, if she works for your family at least 16 hours per week. Massachusetts considers you an employer in this situation, which means you need to purchase workers’ compensation insurance (a.k.a, nanny insurance), to cover any injuries or illnesses your domestic employee […]
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Heavy Vehicle Use Tax (HVUT) and the Massachusetts RMV
What is changing about the HVUT in Massachusetts? Beginning in November 2019, the Massachusetts RMV now requires companies to show proof of HVUT payment (IRS Schedule 1/Form 2290) when registering heavy vehicles for the first time. Previously, proof of payment was only required at registration renewal. Now the initial registration also requires this documentation. What […]
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9 Reasons You Need to Call Us, Your Local Insurance Agents
Insurance folks get a bad rap for being boring. And yeah, okay, we do tend to get fired up about topics that don’t interest the average person (e.g. named, non-owner coverage endorsements). But our team of local insurance agents knows A LOT about the issues that affect your wallet. If any of these scenarios are […]
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How to Prevent Frozen Pipes and Burst Pipes in Your Home or Business
We all know it’s important to prevent frozen pipes, but the hassle (and cost) of Massachusetts property maintenance is often overwhelming. Here’s a cheat sheet on what you need to do and why… Facts about frozen pipes and winter weather insurance claims: • The most common cause of burst pipes is unheated attics. • When […]
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USDOT Number on Trucks: New Rules for Massachusetts Companies
UPDATE: As you may have seen when attempting to renew your MA commercial license plates online, the RMV is now asking for a USDOT number from anyone with commercial plates. However, you may not actually need a USDOT number (see FAQs below for clarification on who needs one). The registry has placed an override on […]
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Smarter Landscaping Insurance: A Case Study
Landscaping insurance is NOT the same wherever you go. Much like the landscaping services you provide, our services require serious knowledge and expertise. In fact, business owners can run into huge differences in pricing and service quality, if they don’t vet (and regularly re-evaluate) the partners they choose. Need an example? Read the true story […]
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Small Business Saturday in Massachusetts
November 30th, 2019 marks Small Business Saturday in Massachusetts and across the country… Did you know there are more than 30.2 million small businesses in the U.S., with over 550,000 in Massachusetts alone? That’s a lot of places to shop, dine, and contact for help with various needs and projects! Small Business Saturday means a […]
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Pay as You Go Workers Comp Insurance
What is “Pay as You Go” workers comp insurance? Pay as you go workers comp (PAYG) is an insurance billing option that relies on your company’s real-time payroll to calculate your workers’ compensation premiums. Each pay period, business owners can share their payroll data with their insurance company. (Depending on your payroll provider and the […]
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Ninja Warrior Backyard Courses and Your Home Insurance
We all want our kids to get outside more. Ninja Warrior backyard courses—whether you’re building one yourself or buying a kit—may seem like the perfect solution. Especially during the holiday season, when the last thing kids need is more stuff scattered around the house. But homeowners beware… Your insurance company will not love an extreme […]
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FMCSA Clearinghouse Info for Employers
The FMCSA Clearinghouse is now open for employer registration. Is your company registered and ready to comply with commercial driver tracking? If not, review the following FAQs to get started… What is the FMCSA Drug & Alcohol Clearinghouse? The clearinghouse is designed to function as a secure, online database—providing up-to-date info about every commercial driver […]
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Commercial and Trailer Plate Renewal in Massachusetts
UPDATE DURING THE COVID-19 PANDEMIC: Need RMV transaction help for your MA trailer or commercial vehicle? If you are a C&S Insurance client, we are here for you! (Unfortunately we cannot provide RMV services to non-clients.) Contact your agent or dedicated account manager here. We’ll get it done! It’s that time of year again: commercial […]
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Leading Insurance Agency in Massachusetts Celebrates 60 Years
This month, C&S Insurance celebrated its sixtieth anniversary as a leading insurance agency in Massachusetts. Sixty years of delivering the best in home, auto, and business insurance: definitely a milestone! In true C&S fashion, we threw a party to mark the occasion… Held at TPC Boston, our 60th Anniversary gala gave us an opportunity to […]
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Snow Removal Insurance | Info for Snow & Ice Contractors
Snow removal insurance didn’t used to be so complicated. In recent years, however, securing coverage for snow and ice management operations has gotten harder… and more expensive. Here’s a quick look at what you need to know if you’re planning to plow, salt, or sand any Massachusetts roadways this winter. And, by the way, according […]
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Insurance for When You Buy or Rent Construction Equipment
Here at C&S, we don’t like to start insurance conversations by claiming how much money we can save people. We think comprehensive coverage, along with solid loss control planning, is the first order of business. That said, if you buy or rent construction equipment, and your agent isn’t especially hands-on about inventorying what you have, […]
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Things Happening in Mansfield MA and Dedham MA
Looking for things happening in Mansfield MA and Dedham, MA this fall? We’re highlighting some of the biggies! Every year the C&S Insurance team gets involved in a variety of fun activities around our hometowns, and there’s always room for more… Join us! 2019 Mansfield Touch a Truck Well, we lucked out again. Incredible weather […]
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Insurance for Unmarried Couples and Other Folks Who Live Together
Have you ever read your entire home insurance policy or renter’s insurance policy, front to back? Of course you haven’t. Though you really should, because… There are some interesting little blurbs in there—exclusions, in particular, that are easy to gloss over until something goes wrong. For homeowners and renters, one key exclusion is related to […]
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Mansfield Touch a Truck 2019
Mark your calendars, truck fans: Mansfield Touch a Truck 2019 is slated for Saturday, September 21st! Now in its seventh year, MTAT has grown from an interactive truck exhibit to a full-blown festival–including live entertainment, tattoos, face-painting, super hero appearances, and so much more… WHO: Families from all over Massachusetts and Rhode Island are […]
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Driver Qualification Files: Key Facts for Business Owners
What is a driver qualification file? A driver qualification (DQ) file is a set of documents employers must maintain for each employee who drives a commercial vehicle. DQ files are required by the Federal Motor Carrier Safety Administration (FMCSA). They are designed to ensure businesses only hire safe, qualified drivers. The files include data on […]
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Will Home Insurance Cover Water Damage? (Appliances and Plumbing)
In prior blogs, we’ve talked about flood insurance in Massachusetts and wet basements caused by a rainy spring or a sudden thaw… But what about non-weather-related events, like a leaking water line behind the fridge? Or a washing machine that suddenly glitches? An exploding water heater? Will home insurance cover water damage from appliances and plumbing […]
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Tornado Damage and Insurance Claims: 8 Important Tips
Questions about tornado damage don’t come up very often in Massachusetts, but when they do, they need immediate answers. In the wake of the storm that affected so many on the Cape this week, here are a few tornado damage FAQs we wanted to share: Investigate how your home insurance policy responds to tornado damage. […]
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Discrimination Insurance for Small Businesses
What is discrimination insurance? Mainly known as third-party EPLI, discrimination insurance helps defray the cost of lawsuits and judgments brought against your business by customers (or other third parties) claiming discriminatory or harassing behavior. By the way, the technical term for this coverage is not “discrimination insurance;” we’re using it here just to keep things […]
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Largest Insurance Brokers in Massachusetts: C&S Makes BBJ List
C&S Ranks 22nd Among Largest Insurance Brokers in Massachusetts Boston Business Journal recently recognized C&S Insurance on its annual list of largest insurance brokers in Massachusetts. Pretty exciting, right? Ranking 22nd, C&S Insurance is listed alongside some very good company—including a fair number of firms with 10-20 times our staff size. We’re thrilled to gain this […]
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The High Cost of Snow Plow Insurance: Join C&S in Changing MA Law
Why is the cost of snow plow insurance so high in Massachusetts? Right now, property owners have all the control over snow plow service contracts. They can demand, for example, that a snow plow contractor sign an agreement containing a “hold harmless” clause. This type of contract language means that if someone slips in a […]
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Why You Shouldn’t Buy Car Insurance Online
How easy is it to save hundreds on car insurance? You may have seen the commercials that ask this question or similar ads offering quick, simple, “no hassle” coverage. And we agree, some of today’s national companies really do make it EASY to buy car insurance online. But should something as important as financial protection […]
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Swimming Pool Insurance in MA
Looking for info on swimming pool insurance in Massachusetts? We’ll float you some key facts… just in time for the warm weather! Where can I buy swimming pool insurance? You don’t need to buy swimming pool insurance specifically; most often a pool is covered under the terms of your homeowner’s policy. If your home insurance […]
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Dedham Insurance Agency Celebrates Flag Day
It’s been six months since C&S joined forces with Dedham insurance agency, Francis M. Walley. In that time we’ve been pretty busy orienting the team, aligning our three offices, and meeting some wonderful new clients. In April we were lucky enough to be a part of the James Joyce Ramble at Endicott Estate. And on […]
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Insurance When Buying a House
There are many things to keep in mind about insurance when buying a house. Below we’ve summarized the questions we hear most often, along with answers from our team of MA home insurance experts. If you don’t see the answer you need, please give us call: 508.339.2951. We are always happy to help! What kind […]
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Silica Dust and Worker Safety: Understanding OSHA’s Silica Standard
What is silica and silica dust? Crystalline silica is a mineral commonly found in natural materials like sand, rock and stone. It can also be found in man-made materials like concrete, tile, brick and mortar. When workers cut or drill into materials that contain silica, tiny dust particles are created. (The technical name for this […]
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Underage Drinking and the Social Host Law in Massachusetts
If you’re a parent of teenage kids, underage drinking is an issue that should be on your radar—especially during prom and graduation season, when most teens are given extra leeway to stay out late and socialize with friends. Last year we put together a list of graduation party ideas to help you manage the dangerous […]
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Wind Deductibles and Hurricane Deductibles: Coastal Home Insurance
As hurricane season approaches, you may be wondering how your home insurance policy protects you from wind, hail, fallen trees, extreme rain, flooding, etc. You may also be asking: do I have a wind deductible? If so, when does it apply? These are a GREAT questions to be asking. If you need answers, we hope […]
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Mother’s Day Gift Ideas from Massachusetts’ Small Businesses
Mother’s Day is this weekend!?! Have you started shopping yet? If you want our advice, your best bet is to skip the mall, and shop local. Lucky for you, we started compiling some Mom’s Day ideas months ago… Our gift list features small businesses from around Massachusetts that always deliver quality products and services. So […]
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Home Insurance Cancelled? Here’s the Scoop.
Was your Massachusetts home insurance cancelled or non-renewed? You’re not alone. Many people find themselves in this situation, after a series of claims or other insurance issues. Your first response is probably anger. Or frustration. After all, insurance is supposed to protect you when things go wrong, right? We get it. Here’s a great article […]
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Surprising Stuff that Is NOT Covered by Basic Home Insurance
FACT: Nearly 25 percent of homeowners have never read their insurance policies. And while we certainly understand why the ISO HO series is not best-seller material, we do believe everyone who owns property should carefully review the terms and coverages they pay for. In many cases, big-time gaps exist. And as you’ll see below, optional […]
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Delivery Insurance: GrubHub, DoorDash & UberEATS
Thinking of earning some cash as a driver for GrubHub, DoorDash, UberEATS, or Amazon Flex? You’re not alone. The gig economy is booming—with thousands of drivers eager to be their own boss, make their own schedule, and work from the comfort of their own car. Unfortunately, delivery drivers may be overlooking a pretty big threat: […]
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Storage Insurance: Am I Covered?
Did you know that nearly 1 out of every 10 American households rents a storage unit? That’s right. Our country maintains a whopping 2.3 billion square feet of self-storage space–enough for every citizen to claim 7 feet for himself. If you happen to be among those taking advantage of self-storage, you may be wondering – […]
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It’s Time to Test Your Smoke Alarm
The skies are about to look a lot brighter when you get home from work—thanks to Daylight Savings Time, which “springs” us ahead on March 8, 2020. Before you capitalize on that extra sunlight for an evening stroll or a game of hoops, assemble your family for an even better activity: test your smoke alarm […]
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Walley Insurance: Now a Part of the C&S Insurance Family
We’re proud to announce that we have acquired Francis M. Walley Insurance Agency, a renowned agency based in Dedham since 1922. This new partnership will help expand our eastern Massachusetts customer base into the Metro-Boston area. In the words of C&S principal Keith Signoriello, Walley Insurance has developed a reputation for excellence since its establishment […]
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MA Property Insurance FAQs
Shopping for MA property insurance? Great news! Our experts work with thousands of property owners in Massachusetts—helping to protect their homes and businesses. We’re happy to answer your questions and shop our list of carriers to identify the most competitive insurance rates. Give us a call: 508-339-2951 or read through the questions below to start […]
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Insuring Your Engagement Ring
Think your renter’s or homeowner’s insurance policy will cover your engagement ring completely? Not so fast… Although most policies do cover the items inside your home, they are limited to a certain dollar value. They are also limited to specific types of loss events, like fires or burglaries. If your engagement ring is lost or broken under other […]
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Does Insurance Cover Tree Damage and Tree Removal?
Since many people ask us, “does insurance cover tree damage and tree removal?” we wanted to address a few tree-related FAQs. Which trees are most likely to fall or break during a storm? While it’s true that some trees (e.g. palms) are categorically more resilient in windy weather, it’s most important to consider the overall […]
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Form 300A: OSHA Fast Facts for Employers
To all our commercial clients (or for anyone seeking help with their Massachusetts business insurance), here’s a quick reminder about OSHA Form 300A, which needs to be tabulated and posted soon… If you’re not sure where or how to get started, call our incredible team: 508.339.2951 before the February 2019 deadline. What Is Form 300A? Form […]
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Winter Storm Prep: 19 Things to Do Right Now
Winter storm prep tips? You’re probably rolling your eyes. For Massachusetts residents, a forecast of heavy snow is not exactly shocking. But lots of veteran New Englanders forget to take important steps before major storms. Or else they forget to remind their elderly relatives and neighbors about getting prepared. So. In advance of the next […]
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Car Insurance for College Students
Looking to find the best car insurance for college students? There’s no one carrier that’s best suited for everyone in this group, and in most cases, traditional college students (ages 18-22) will still pay more than the average rate regardless. But there are things you can do to help mitigate this added expense during an […]
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Financial Resolutions: 5 Things to Ask Your Insurance Agent in 2019
Are you planning to lose weight in 2019? Take up yoga? Watch less television (not including The Bachelor, obviously)? These are all admirable goals, but the first self-improvement items on your list should be financial resolutions: simple, clear-cut steps to protect your financial wellbeing, heading into the new year. Best place to start? Contact your […]
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Chimney Service, Fireplace Safety and Insurance FAQs
Your fireplace is a major focal point in your home. Unfortunately, if you’re not careful, it can also become a major hazard. Over time, ash, creosote, and carbon residue build up in fireplaces and chimneys. Left unchecked, these biproducts can result in fires or carbon monoxide intrusion. Some chimney fires go completely undetected, all the […]
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Renter’s Insurance Boston, Framingham, Worcester and Beyond
Got renter’s insurance, Boston tenants? What about you folks in Framingham, Worcester, or the Massachusetts suburbs? While 95% of homeowners have home insurance, more than half of today’s young renters (56%) don’t have renter’s insurance, opening the door to serious potential losses. If you rent in Massachusetts, here’s what you need to know about protecting […]
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Christmas Tree Fires: Statistics & Prevention Tips
Shopping, baking, decorating: with all the things you’re doing this time of year, taking extra time out for safety can seem like a tall order. But there are several basic precautions—like checking your cords and watering your tree every day—that can mean the difference between a happy holiday and a dangerous disaster. Here are the […]
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Preventing Holiday Package Theft
Tis the season… for holiday package theft? NBC Boston just released an article detailing the theft of ten packages from the homes of one Quincy neighborhood. Massachusetts police warn residents to take special care if they are expecting deliveries this time of year. So, before you go clicking that “confirm purchase” button, confirm you have […]
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Do I Need Insurance for (One of These Holiday Gifts)?
It’s that time of year. Black Friday, Cyber Monday: all the big shopping days are here again. Before you start crossing items off your holiday gift list, make sure you know how certain big-ticket purchases could affect your insurance needs. Call your local agent today, if you find yourself asking: ummm, do I need insurance for…? Do I Need Insurance […]
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Coats for Kids: The Ben Cavallo Fund/Knights of Columbus Council 420
As we reflect on all the things we’re thankful for this year, most of us are lucky enough to count heated homes and warm clothing on our lists. Sadly, some 14% of Americans aren’t as fortunate. In Massachusetts alone, more than 685,000 people are living in poverty—many of them children. Without proper winter clothing, kids […]
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Holiday Traffic: 5 Tips for Staying Safe (and Sane)
Are you dreaming of a white Christmas? Of Thanksgiving leftovers piled into the perfect sandwich? Or are you already having nightmares about all that holiday traffic? It’s a sad fact of the season—especially here in New England—but holiday traffic is as traditional as pumpkin pie. Here are five tips to help you digest it: Get […]
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Halloween Safety
Knock knock. Who’s there? Three Disney princesses, a Spiderman, and Tom Brady. It’s either Halloween or a very strange dream… We hope that in the midst of stocking your candy bowls and carving creepy pumpkins, you’ve also drafted a Halloween safety plan for the big night. If not, don’t worry – we’ve gathered some tips […]
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How to Clean Your Gutters this Autumn
Is it really that important to clean my gutters? Gutters carry rainwater away from the foundation of your home, meaning any debris blocking this process can cause water backup or an overflow. With enough backup, the water can cause serious damage to your home’s foundation, roof, or exterior. We’re talking between $1,000-$4,000 for repair and […]
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Drone Insurance: For Businesses and At-Home Hobbyists
According to the FAA, Americans now fly two million drones—with a full one-quarter of them flying for commercial (moneymaking) purposes. It’s estimated that nearly 7 million drones will be flying U.S. skies by 2020. If you’re planning to get on board, here’s what you need to know about drone insurance. Who needs drone insurance? In […]
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The MA Workers’ Comp Test Audit Program
Does your Massachusetts business maintain a workers’ comp program? If yes, the following announcement from the WCRIBMA pertains to you. Keep reading to learn about the MA workers’ comp test audit program… Who is WCRIBMA? WCRIBMA is the Workers Compensation Rating & Inspection Bureau of Massachusetts. The WCRIBMA is a non-profit group of insurers, tasked […]
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Baby Proofing Your Home
At eight months, your baby will begin to crawl. They’ll be able to pull themselves up at nine months, meaning counters are no longer out of reach. Twelve to fifteen months? Your child is walking. Since a third of child injuries happen at home, it’s important that you begin baby proofing your house – your […]
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What Should My Insurance Deductible Be?
We are so glad you asked! This is an important question… one that many people answer once and never stop to revisit as their situations change. What is an insurance deductible? An insurance deductible is the amount of money you have to pay from your own pocket before your insurance coverage kicks in. As you […]
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Flood Insurance in Massachusetts
Hundreds of Massachusetts homeowners and business owners experience floods each year. Many live along the shore, but experts say that proximity to the ocean shouldn’t necessarily determine who buys flood insurance. Why? Because floods can happen anywhere. According to FEMA, nearly 25% of flood-insurance claims originate from low-to-moderate risk areas. So, whether you live along […]
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Building Ordinance Insurance for Massachusetts Property Owners
Do you have Building Ordinance Insurance a.k.a. Ordinance or Law Coverage for your property? If you’re not sure, it’s a good question to ask your Massachusetts insurance agency. Here’s why… Imagine a fire breaks out in your company building. Half of the building is destroyed. Your contractor informs you that repairing the structural and cosmetic […]
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Can You Change Car Insurance at Any Time?
We get it. Life is busy. Paying bills is a chore. Who has the time to go a step further, and actually compare their car insurance rates with other options? We do! And we’re always happy to help you shop around for better coverage. In fact, our team has access to a long list of […]
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Heat Stress Management: Advice for Employers
Heat stress management should be an essential piece of your employee safety program. (If you don’t already have a safety program/manual, we can help you create one. Just contact our business insurance team.) Unfortunately, with the warmer weather comes an increased risk for heat exhaustion, heat cramps, and heat stroke, especially among outside workers like […]
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Do I Need Umbrella Insurance?
Do I need umbrella insurance? You may be asking yourself – “If I already have personal liability coverage under my auto and homeowners policies, why would I need ANOTHER policy? Do I need umbrella insurance?” Great questions. Umbrella insurance, also known as personal excess liability insurance, acts like backup coverage for your home insurance and car insurance. Umbrella […]
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Airbnb Home Insurance in MA: Q&A on Renting Your Home
Updated Rules on Airbnb Rentals in Massachusetts: According to a compromise reached on December 28, 2018, all short-term rentals in Massachusetts must be registered and insured, but only hosts who offer rentals for more than 14 nights per year are required to pay the state’s hotel tax. What Are the Requirements for Renting a House in Massachusetts? As […]
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Why You Need to Switch Your Business Website to HTTPS
If you’re not the world’s most tech-savvy business owner, you may have missed the boat on the HTTP versus HTTPS discussion. Don’t worry. We’re here to fill you in. Here’s what’s happening: What is HTTP? Hyper Text Transfer Protocol (HTTP) is the protocol through which data is sent from a person’s desktop or smart phone to the […]
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Summer DIYs and Other Home Projects
Summer is finally here! This means long, sunny days – the perfect time to slap a fresh coat of paint on the house or build that backyard patio you’ve always dreamed of. As your list of summer DIYs overflows, it’s easy to forget that these projects may affect your homeowners insurance. Here’s the scoop on […]
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National Safety Month
Did you know that June is National Safety Month? Let’s aim to reduce accidents this month (and every month!) by practicing workplace safety, road safety, and safety at home. Here is a list of helpful summer safety links to prevent harmful incidents in all aspects of your life: Safety at home: Pool Safety Advice […]
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Tree Service Insurance Team Continues to Grow
Looking for Tree Service Insurance? Ask about Our Specialty Program for Arborists! When arborists are in need of tree service insurance, the first place they go is probably to their local professional association—the Tree Care Industry Association (TCIA) or the Massachusetts Arborists’ Association, for those in the Bay State. These groups are a great source […]
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Life is Why: Southern New England Heart Walk 2018
This past weekend, our agency came together to participate in the Southern New England Heart Walk. Our walk began in Providence, just in front of the State House, and we couldn’t have asked for a more perfect day! (Look how chipper we are, even at 8:00AM!) The American Heart Association hosts the event each year to help […]
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Car Seat Laws MA: Safe Driving with Kids
How well do you know the car seat laws in Massachusetts? Here’s a quick test to find out: True or false: kids don’t need a car seat or booster seat once they reach 47 inches in height? True or false: it makes good financial sense to shop for car seats at garage sales or second-hand […]
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How Much Car Insurance Do I Need?
How much car insurance do I need? Great question! The short and easy answer is: probably more than what you have right now… We’re not saying that just to drum up business. The fact is, too many drivers are lured into lowball car insurance quotes that are based on state minimums. And Massachusetts’ required minimum […]
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Nanny Insurance: Required & Optional Coverages
According to Payscale.com, the average nanny salary in Boston stands at $19.14 per hour. Whether you’re planning to pay more or less for your private caregiver, don’t forget to factor in the cost of nanny insurance—a combination of optional and required coverages that have broader implications for your family’s overall financial plan. What is nanny […]
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The REAL ID and Renewing Your MA Driver’s License
UPDATE: Due to the COVID-19 pandemic,the Massachusetts RMV will not issue any REAL IDs until September 2020. But don’t worry. The Department of Homeland Security is extending the REAL ID enforcement deadline by one year. The new deadline is October 1, 2021. (This means your will still be able to board domestic flights and/or enter […]
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How Much Is Home Insurance? The Answer May Surprise You.
If you’re searching online for “how much is home insurance?” you’re asking the wrong question… and possibly getting answers from the wrong places. Thank goodness you landed here! When it comes to pricing, home insurance can be bargain-basement cheap, but then again, so can a used car (the kind that breaks down every other month, […]
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Adding Solar Panels? Call Your Insurance Agent First.
Thinking of adding solar panels to your home this spring? You’re not alone… The groundhog just predicted another six weeks of winter, which is bad news for thousands of New Englanders who’ve already been hit by steep electric bills. According to projections from the state’s Department of Energy Resources (MassDOER), homes heated by electricity are […]
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UCANE Board Welcomes C&S Insurance Principal
Last month the Utility Contractors Association of New England (UCANE) recognized our very own Ben Cavallo, owner and principal of C&S Insurance. Ben is a newly elected member of the organization’s 2018 Board of Directors. Cavallo built a career in commercial insurance for contractors and loss control services. He was nominated by fellow UCANE members due to […]
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Prevent Cyber Attacks. Know the Worst Passwords of 2017.
Are you taking steps to prevent cyber attacks? It may seem like an overwhelming task, especially for families and small companies. But data breaches and cyber crime are too serious to ignore. Today’s criminals can hack into your personal or business data in any number of creepy ways—including phishing, spoofing, exploiting outdated software, and executing something called a “brute force” […]
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Fleet Safety Data: Driving Serious Returns for MA Contractors
In the era of big data, company leaders routinely leverage numbers to fuel strategic growth and innovation. But the most important BI focus area may be flying under your radar… Are you using fleet safety data to control employee benefit costs? Optimize employee retention? Save money on your Massachusetts business insurance? If not, keep reading to […]
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Winter Weather Safety at Home and on the Road
Ice storms. Snow that falls in feet, not inches. Dangerous roads. Sub-zero windchill. Yep, it’s officially winter in New England. For long-time Massachusetts residents, winter weather safety may seem like common sense. But for those who are new to the area, for first-time homeowners, for seniors who live alone, or any others who just appreciate […]
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Home-Based Business Insurance: Who Needs It?
If you own a home-based business or you’re thinking of starting one, you’re in good company. According to SBA statistics, Americans own about 28.8 million small businesses—and half of them are at-home businesses. The most common types of home-based businesses include information, construction, and professional service firms. But today’s entrepreneurs are getting creative, turning some […]
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Wedding Insurance: Should You Say “I Do” to Special Event Coverage?
Have you considered wedding insurance for your big day? Our local experts can help. According to 2017 figures, the average cost of a wedding in Massachusetts is nearly $40,000. Meanwhile, thirteen percent of engagements—more than one in ten—don’t end in marriage, which adds up to lots of forfeited deposit checks. And changes of heart aren’t […]
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How to Choose the Best Business Insurance for Your Company
How to choose the best business insurance for your company? The following criteria are all important: Contractor insurance experience (years, if not decades, of protecting contractors) Industry affiliations (membership in local trade associations) Client references (from other companies like yours) Value-added services (loss control, audit prep, registry services, etc.) Good working “vibe” and business expertise […]
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Brewery Business Plan: Correcting Coverage Gaps
After all the love and energy you’ve poured into making your craft brewery a success, the last thing you want to hear is what you’re missing, right? Sorry, but that’s our job… We wouldn’t be doing it well if we didn’t second-guess some of the brewery business plans that cross our desk. Because even though craft brewery […]
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Drowsy Driving Prevention Week
Did you know that 100,000 police-reported crashes each year are the result of drowsy driving? This adds up to an average of: 1,550 deaths 71,000 injuries $12 billion in financial losses In honor of Drowsy Driving Prevention Week, make sure you know how to prevent fatigue on the road. Step 1: Know the Stats Driving after […]
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Why Did My Insurance Go Up?
Life brings us all sorts of surprises, good and bad. You may have received one recently when you opened up your renewed MA car insurance or MA home insurance policy… only to discover a higher price tag. Why did my insurance go up? you’re probably asking—especially if you didn’t file a claim in the past […]
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Success: Mansfield Touch-a-Truck 2017
If you were one of the 1,500 people who showed up to the 5th annual Mansfield Touch-a-Truck on September 23rd, you can vouch that the event was a complete sensation! Sunny skies and warm breezes filled the atmosphere, making it the perfect day to spend quality time outside and inhale some fresh air. The Mansfield […]
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OSHA Form 300, 301, 300A and Electronic Recordkeeping
UPDATE: On July 30, 2018, OSHA issued a proposed rule that would remove a requirement from its 2016 electronic reporting rule for establishments with 250 or more employers to electronically submit information from forms 300 and 301. OSHA is not enforcing that requirement while its proposed rule is under consideration. The deadline for the public […]
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Cyber Attack Insurance FAQs
UPDATE: The COVID-19 pandemic has increased the risk of cyber attacks on organizations of all sizes, especially as some 56% of employees are now working from home. According to Security Magazine: 25% of workers don’t know which security protocols are in place on their devices 20% said their IT teams did not supply ANY security […]
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Important Facts about Snow Plow Insurance
It’s beginning to look a lot like… snow? Yup, that’s right. Autumn snow is not unheard of in New England. You might remember the fall nor’easter of 2011, when Western Massachusetts saw more than a foot of wet snow, while Eastern residents struggled with icy roads, downed trees and power lines. So if you haven’t […]
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Employee Lawsuits: 5 Reasons Your Small Business Needs EPLI Coverage
How much do you know about employee lawsuits? If you’re like most small business owners, the answer is probably: not much. Unfortunately, in today’s work environment, you are more likely to be sued by an employee than see your business burned in a fire. Kind of scary, right? This is why we’re urging all our […]
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How to Make a Home Inventory
The stories of loss coming out of Houston and the surrounding areas are heartbreaking. Sadly, Hurricane Harvey is not the only major loss event U.S. homeowners will experience this year. Every day, thousands of families lose their homes or the valuable possessions inside due to fires, burglary, or extreme weather. Having adequate home insurance (MA […]
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Takl Insurance Advice for Consumers and Contractors
Takl ads are everywhere right now: on local sports radio, on TV, online. If you live in Massachusetts or Rhode Island, you may be wondering what is this new app called Takl? Basically, it’s billed as a platform that will help you “tackle” your to-do list—including minor home repairs, housekeeping, and lawn care jobs. Similar to TaskRabbit […]
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Mansfield Touch-a-Truck 2017
There are two universal truths of parenting: 1. Kids love trucks. 2. Parents can always use some help keeping little ones entertained. For these reasons, we’re very excited to be working with the Mansfield Women of Today (MWOT) on Mansfield’s fifth annual Touch-a-Truck event. MWOT does an incredible job gathering your kids’ favorite vehicles: fire […]
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7 Things to Do Before Vacation (to Protect Your Home)
Your bags are packed. Your “out of office” work email is set. You’ve even completed our road trip checklist, so you know your car is ready for the long haul. What are some other important things to do before vacation? Protect your home! Whether you live in a standalone house, a condo, or an apartment, […]
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Mass RMV Hours Update
UPDATE: Due to the ongoing COVID-19 pandemic, most of the state’s RMV service locations are closed until further notice. For more information on these temporary closures, along with which branches remain open, please visit our blog, “Is the RMV Open?” or the Mass.gov page on COVID-19 info. We will make every effort to update this […]
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Do I Need Car Rental Insurance?
Getting out the door for your family vacation is never easy. Along with packing and tying up loose ends at work, you probably have some major logistics to think about: hotel, flight, rental car, etc. At the last minute, people often ask us: do I need car rental insurance? The short answer is “probably not,” […]
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Road Trip Checklist: Getting Your Car in Gear
If you’re like 80 percent of Americans surveyed, your 2017 summer vacation will start and end in the car. That’s a ten percent increase over the number of families who journeyed on road trips last summer. And it’s all the more reason to take care of your vehicle before your next family getaway. Not sure […]
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Focus on Craft Brewery Safety: Avoiding OSHA Violations
There are plenty of reasons to cheer the growing success of craft breweries across New England. In a world of mass production, customers are beyond glad to finally know the people who brew their beer. Newfound access to fresh, surprising flavors is another obvious plus. Most important, the end product—let’s face it—is vastly superior. But […]
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5 Tips on College Student Insurance
We call it “college student insurance,” but the following info applies to all high school grads and young adults. Whether your child is living at school, commuting to college, taking a gap year, or starting her career straight away, these tips are useful for any parent with a newly independent child. Please give us a […]
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Another Successful Southern New England Heart Walk
We have THE BEST network of clients, partners, and friends. The proof? When we asked folks to help us raise money for the Southern New England Heart Walk, dozens of people raised their hands—offering donations from $5 to $250. Combined with our company’s own sponsorship of this event, the effort yielded more than $6,600, which […]
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Golfing with the Mass Nurses Association and MNF
Earlier this month we had the opportunity to support an important, local cause. Together with the Mass Nurses Association, the Massachusetts Nurses Foundation (MNF) works to promote scholarship and research in nursing. This year’s Rosemary Smith Memorial Golf Tournament was another successful effort—and we were lucky to be a part of it! Our fearless team […]
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Massachusetts Motorcycle Insurance Requirements
May is Motorcycle Safety Awareness Month, which means bike owners and car owners should be thinking about their fellow motorists, and how everyone can stay safe on the roads. Statistics from the National Safety Council show that motorcycles are involved in a disproportionate number of collisions—accounting for 14% of all traffic fatalities and 88,000 injuries […]
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Massachusetts’ Labor Laws: 14 Things Your Teen Employees Can’t Do at Work
If you own a business that relies on part-time, seasonal employees, you probably employ some teenagers. By far, the vast majority of working teens are employed in leisure and hospitality roles: waitress, caterer, lifeguard, etc. Teens are frequently on the summer payroll in retail, construction, childcare, and other sectors, too. Are you preparing to grow […]
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The Risks of Hiring Students & Teens for Landscaping
Massachusetts college kids are already home for the summer. Soon, local high school students will be on vacation too, and many of them are looking for part-time work. You may have gotten a knock on the door or a flier in your mailbox, advertising cheap landscaping, painting, and handyman work. Thinking of hiring students or teens this […]
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Graduation Party Ideas for a Safe, Successful Event
Your son or daughter has just completed a major chapter in his/her academic career. Congratulations! No doubt your head is swirling with graduation party ideas: the cake, the decorations, school photos of your student from pre-K through today… There’s definitely a lot to plan. Unfortunately, too many social hosts forget to plan for the risks. […]
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Cyber Liability Insurance for Small Businesses
HEADS UP FOR BUSINESS OWNERS DURING THE COVID-19 PANDEMIC Key Considerations with Many Employees Working from Home Check with your business insurance agent and/or cyber liability insurance company to see if/how employees would be covered when working from home (especially with some using personal devices). There may be a gap in your coverage during this […]
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Does Home Insurance Cover Water Damage?
They say “April showers bring May flowers.” But they conveniently forget to mention the potential for water damage. Spring in New England is primetime for groundwater concerns, failing sump pumps, and—wait for it—wet basements. Is your home protected? Forty-four percent of Americans surveyed thought the answer was yes. And most of them were wrong, according […]
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Should You Bundle Insurance? 4 Facts on Bundling and Saving
There are a lot of ways to save money on insurance. Most drivers and homeowners can find at least one insurance discount that matches their situation. If you haven’t already done so, bundling your insurance—purchasing several of your policies through the same company—is a pretty universal savings opportunity. Here are four facts on consumers who […]
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What Is Accident Forgiveness?
When your auto insurance policy has an “accident forgiveness” endorsement, it means that your insurer will not raise your rate if you get into an accident. This is a big deal, since an at-fault car accident that injures someone could raise your rate by $400-$800 per year, according to industry sources. Drivers who get into […]
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Termites in Massachusetts and New England Properties
For Massachusetts homeowners and business owners, the spring season ushers in a familiar list of chores: spring cleaning, landscaping, lawn care, painting, etc. But there’s one item all too often missing from this list, and it could be costing you more money with each passing day… That’s why this week –March 12 to March 18— […]
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Teaching Teens to Drive: Answers from a Driving Safety Expert
Car collisions are the leading cause of death among young people in America, accounting for more than one-third of all teen deaths. Other leading causes—suicide, gun violence, cancer—don’t come close, not even if you add them up together. Bottom line: teaching teens to drive has never been more important. And the traditional methods—practicing in a […]
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Still the Leaders in Foxboro Insurance
Recently we’ve received some calls about our Foxboro insurance location, which is (sadly) no longer there. Remember the Don Currivan Insurance Agency in Foxboro, Massachusetts? We merged with that operation a few years back. But maintaining a location so close to our Mansfield headquarters (just 2.5 miles down the road) didn’t make sense for us. […]
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Teen Driving and Insurance: 9 Things to Know
Teen driving is no one’s favorite topic. In fact, according to a 2016 poll, parents worry about their kids behind the wheel more than any other issue—including drugs, alcohol, or academic performance. What can you do to support your teenage driver and keep your auto insurance rates in check? The following facts may help… 1. […]
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Identity Theft Insurance: Do You Need It?
More than 17 million Americans were affected by identify theft in 2014. That’s roughly four times the number of home burglaries that occur each year. While most of us understand the risks and security solutions available for our homes, many people still don’t know the facts surrounding identity crime—or how to hedge against incidents of […]
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Senior Drivers: Insurance Advice and Safety Stats
As of 2014, there were 24.4 million licensed drivers—age 70 or older—in the United States. That number represents 11 percent of the total driving public… and it’s on pace to grow. Luckily, senior drivers are actually the safest demographic on the road. Only 3 percent of all car crashes involve drivers age 75 and older […]
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Why Is Uber Insurance Still Uber Complicated?
We get a lot of calls about “Uber insurance,” or the kind of car insurance that Uber drivers should purchase. With so many Uber and Lyft drivers (thousands of them, according to some estimates), now offering transportation throughout Massachusetts, this is an important question—with a complex answer. In the following paragraphs we’ll review six of […]
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Insurance for Landscapers: 6 Questions to Ask Before Renewing
If you’re like most green business owners, the last thing you have the time or the inclination to do is compare insurance for landscapers. Even if you’re pretty unhappy with the service or rates you’re getting now, the prospect of change probably seems overwhelming. And the search for alternatives? Not exactly on the top of […]
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MA Workers’ Compensation Insurance Info for Business Owners
If you own a business in the commonwealth of Massachusetts, and you employ at least one person, you are legally required to secure workers’ compensation insurance. In fact, you’re required to display a Notice to Employees poster somewhere in your workplace, communicating the name and contact information of your workers’ comp insurance company. Your insurance policy must […]
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Diagnosing Nurses’ Insurance Needs
If you’re shopping the term “nurses’ insurance” you’re probably focusing on professional liability insurance for nursing professionals. But coverage for malpractice isn’t the only protection that deserves special attention from RNs, LPNs, and other healthcare workers. Auto insurance for nurses is also worth reviewing… Did you know, for example, that we offer an exclusive nurses’ insurance […]
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Surprising Insurance Discounts that Could Save You Money in 2019
Think you’ve already taken advantage of any insurance discounts that apply to you? Think again. If it’s been a year or more since you reviewed your policies with a local agent, you may be surprised to uncover new discount opportunities that can shave 5%, 10%, or even 15% off your annual premium. Set aside fifteen […]
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Host Liquor Liability and Your Company’s Holiday Party: Are You Covered?
Coworkers. Drinking. After hours. What could possibly go wrong? Each year, countless social host liability suits emerge in the wake of office holiday parties. So before you and your team hit the karaoke bar, brush up on these key insurance considerations. What is host liquor liability? Host liquor liability refers to any bodily injury or […]
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We’re Raffling off Patriots/Ravens Tickets!
Want to watch Monday night’s game against the Ravens at Gillette Stadium? Here’s your chance… We still need help gathering Toys for Tots and Goods for Troops! We’re counting on you to help us overflow these bins by December 12, 2016. And we think some healthy competition might kick-start collections. So if you come by our Mansfield […]
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Business Interruption Insurance Explained
Only 37% of small business owners are familiar with business interruption insurance, which protects against financial losses when a business is unable to operate. Unfortunately, many of them will need it one day. Consider these stats: The average number of major power outages occurring in the U.S. has doubled since 2003. After Hurricane Sandy, 52% […]
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The Landscaping Insurance You Can’t Afford to Overlook
Most landscapers and arborists are well aware of their general liability or business owner insurance needs, securing coverage to protect against property damage or bodily injury. But insurance experts caution that too many green professionals are overlooking professional liability insurance, also known as errors and omissions (E&O) landscaping insurance, coverage. In doing so, they may […]
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6 Holiday Lighting Safety Tips
Some of our all-time favorite Christmas movies feature holiday lighting mishaps: National Lampoon’s Christmas Vacation, Home Alone, etc. In reality, decorative lighting accidents are anything but funny. Annually, 150 home fires are the result of holiday lights. What’s more, according to the National Fire Protection Association (NFPA), nearly 10,000 Americans wind up the emergency room each […]
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Fire Pit Safety in Massachusetts
We’ve got answers to your questions on fire pit safety in Massachusetts! As you might have guessed, the rules and guidelines are pretty straightforward. But that doesn’t mean they’re not important. According to the National Law Review, fire pits sent more than 5,000 Americans to the emergency room in 2017. The National Fire Protection Association […]
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Gap Coverage: Who Needs it and Why
Gap coverage is a really smart type of insurance to have. And yet, many drivers don’t understand exactly what it’s for, or how to get it. If you’re in the market to buy a new or used car, here are a few things you should know: What Is Gap Coverage? If you get into an […]
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Workplace Injury Prevention: 10 Simple Tips
Today’s workplace injury statistics are pretty staggering. Every day in America, more than 12,000 people are injured on the job, according to National Safety Council data. The vast majority of these injuries involve minor sprains, cuts, or muscle/joint soreness (often from sitting and working in the same position for hours on end). But when […]
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Independent Contractors: Insurance Coverage Needed
As an independent contractor, there are different kinds of insurance coverage’s that are a necessity in order to protect yourself and your business financially. These are top coverage considerations to consider: Errors and Omissions This kind of insurance is best for contractors who provide consulting and advice, such as accountants, financial planners, interior designers, and […]
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Frozen Pipes Prevention
This past weekend brought New England the coldest weather of the winter season so far. A large concern during this time of the year is frozen pipes. Frozen pipes can cause water pressure buildup between the ice blockage and the closed faucet at the end of a pipe. This pressure can lead to pipes bursting […]
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Ice Dams, Back Again?
The Farmer’s Almanac predicted that starting in February we were in for a tough winter, so it’s not surprising that we’ve already had two pretty large snow storms. As many of us learned last year, if the conditions are right, an ice dam can practically form overnight. Buildup of snow on a roof can create dangerous ice dams […]
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MassDOT: Skip the line, Go online!
Did you know that many registry services can be done online? In 2010 MassDOT’s Registry of Motor Vehicles introduced a new initiative that would eliminate the need to wait in line. Previously, EVERY transaction had to be done at the registry, but now customers can visit MassDOT’s Online Branch and do many of these transactions online. […]
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How to Make an Insurance Claim
Last winter, many of us had to make a claim, whether it was for the home, the family car, or the business. Fortunately, it is now easier than ever to make a claim. C&S Insurance is more than happy to assist with processing a personal or business claim, or even answer any questions you may […]
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How to Pay Your Insurance Bill Online
Making payments on your insurance bill has never been easier! Payments can be easily made online through many of our valued carriers. In order to simplify this, we set up an easy step by step process that will get your insurance paid so you do not have to worry about missing or being late on […]
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OSHA Fines to Increase by 80%
After a quarter of a century, OSHA fines will be increasing under a provision signed by a congressional budget deal. The Federal Civil Penalties Inflation Adjustment Act of 1990 exempted OSHA from increasing penalties to account for inflation. On November 2nd, President Barack Obama signed into law a new budget that contains an amendment […]
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What to Do After a Car Accident
Here’s what to do after a car accident, in a few simple steps: Step 1: STOP This may sound obvious, but we want to be sure you’re not reading this advice two miles away from the accident scene. The number one rule of what to do after an is accident is stay put. Do not […]
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How to Prepare for a Storm
You may not be able to control the weather, but you can control how prepared you are for it – follow these helpful tips on how to prepare for a storm to keep you, your family, and your property safe this storm season: Step 1: Bring in lightweight objects Anchor securely or bring indoors […]
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Hurricane Season Myths That Aren’t Mythical
With hurricane season upon us, the National Oceanic and Atmospheric Administration shares these five myths about hurricane’s that people need to know aren’t mythical. 1. The area is under evacuation order but the weather looks great right now, so people should wait until the weather gets bad before they evacuate. This can be one of […]
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Homeowner Savings Tips
Wondering about homeowner savings? We’re here to help. 1. Shop Around As it sounds, it is best to look at several different insurance companies to find competitive prices. A good way to do this is to find an insurance agent to do the shopping for you. 2. Senior Discounts If you are 55 or older […]
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Gap Insurance
Buying or Leasing a New Car The other day at C & S Insurance Agency, we had a new customer come in to the office to register their new car. They told us that the car dealership had offered them gap insurance for $595. We told them that we can offer it for just […]
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Protect Your Business from Fire Hazards
If the wildfires in the West have taught us anything it is how dangerous and disruptive fires can be. Not only do they affect people’s homes, but they can destroy people’s businesses as well. Don’t be the next person to file a business insurance claim due to a fire. Check out these tips on how […]
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Massachusetts Most Common Claims
In Massachuetts, the top 5 most common claims are listed below: 1. Water Damage 2. Wind Damage 3. Physical Damage 4. Theft/Burglary 5. Freezing Water (including bursting pipes) (Information obtained from the Allstate Common and Costly Claims)
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Laptop Safety
I know what you’rethinking- you need safety instructions involving your laptop?! Well, we aren’t being crazy! Many consumers do not know how dangerous, and how much of a fire hazard, these personal computers are. With the number of laptops versus desktop computers in consumers’ homes today, people need to be aware of how to practice […]
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