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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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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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 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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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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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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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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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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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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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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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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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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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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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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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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It’s that time of year again: commercial plate and trailer plate renewal! You were probably thinking of football, Thanksgiving, and turkeys, right? But here at C&S, the fall season goes hand-in-hand with getting our clients’ commercial trucks ready for this annual deadline. Did you know that all MA trailer plates expire on the last day […]
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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 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 Marijuana Dispensaries and Marijuana Delivery in Massachusetts At last count, Massachusetts is home to nearly 60 marijuana dispensaries—either medicinal, recreational, or dual-purposed. With experts predicting a massive uptick in adult use sales (up to $66 billion by 2025), there’s no doubt more cannabis-related businesses are on the way. Whether you’re applying for a […]
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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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 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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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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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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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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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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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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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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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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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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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 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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 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? 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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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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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 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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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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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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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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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? 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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What is nanny insurance? While “nanny insurance” isn’t exactly a technical term, we assume the folks who search for info on Google are wondering about workers’ comp for nannies. Workers’ comp is a type of insurance that compensates injured workers for their medical expenses and/or wage replacement while they are unable to work. It can […]
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You may have heard the buzz about a new form of identification— the REAL ID —which will soon be required whenever you board a plane, including domestic flights (within the U.S.), beginning in October 2020. What do you need to know about these identification cards? How do they compare to your current MA driver’s license? […]
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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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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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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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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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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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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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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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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? 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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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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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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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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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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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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If you own a business and you haven’t thought about cyber insurance yet, consider this your wake-up call. A 2017 cyber attack on Equifax affected an estimated 143 million consumers. Scary as that is, it shouldn’t lead you to assume only big businesses are at risk. In recognition of National Cyber Security Awareness Month, we […]
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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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The 2018 hurricane season is nearing its peak. 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 (e.g. flood insurance, maybe?). Meanwhile, bookmark this page, along with your insurance carrier’s claims department info, and print it to […]
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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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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 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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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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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 locations across the state recently cut back their weekday hours. Most locations will now be open strictly from 9:00 to 5:00. A few will operate from 8:00 to 4:00. And at least three service centers will close for one hour in the middle of the day. (You should also keep in mind that specific services, like road […]
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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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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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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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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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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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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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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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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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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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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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Massachusetts business owners can’t afford to ignore the facts: cybercrime is on the rise. Every year hundreds of Bay State companies are the victims of cybercrime—including phishing scams, malware attacks, and ransom ware attacks. And although breaches at major banks and retailers receive the lion’s share of the news coverage, small businesses are by no means […]
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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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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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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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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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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 12 this year. Before you capitalize on that extra sunlight for an evening stroll or a game of hoops, assemble your family for an even better activity: testing your smoke […]
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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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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 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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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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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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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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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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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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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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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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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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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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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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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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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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According to the National Fire Protection Association, fire pits caused nearly 3,700 grass and brush fires in 2012. Meanwhile, fire pits have become the most requested design feature in custom landscaping. Are you adding one to your backyard? Before you kick off a season of barbecues and outdoor parties, review these fire pit safety tips: […]
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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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