• May 8, 2019

    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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  • May 1, 2019

    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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  • basic home insurance coverage questions
    April 9, 2019

    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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  • insurance for delivery drivers
    April 2, 2019

    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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  • March 19, 2019

    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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  • February 26, 2019

    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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  • February 25, 2019

    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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  • February 13, 2019

    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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  • January 24, 2019

    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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  • hang form 300a in employee break area
    January 22, 2019

    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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  • how to prep for winter storm
    January 18, 2019

    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 in January 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 […]

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  • January 14, 2019

    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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  • money resolutions
    December 31, 2018

    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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  • fireplace and chimney cleaning
    December 20, 2018

    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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  • boston renters insurance
    December 13, 2018

    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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  • preventing christmas tree fires
    December 5, 2018

    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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  • December 1, 2018

    Preventing Holiday Package Theft

    Tis the season… for 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 a plan […]

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  • do you need insurance for a puppy or other present?
    November 27, 2018

    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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  • November 20, 2018

    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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  • highway traffic before holidays
    November 12, 2018

    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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  • family insurance
    November 7, 2018

    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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  • October 24, 2018

    Halloween Safety

    It’s almost peak spooky season. We hope that in the midst of filling your candy bowls and carving pumpkins, you’ve also been spending time putting together a safety plan for the big night. If  not, don’t worry – we’ve gathered some tips from the National Safety Council and our friends at Travelers to help make […]

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  • cleaning gutters
    October 12, 2018

    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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  • insurance for drones
    October 2, 2018

    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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  • getting ready for ma workers comp audit
    September 25, 2018

    The MA Workers’ Comp Test Audit Program

    Does your business have an MA workers’ comp insurance policy?  If yes, the following announcement from the WCRIBMA pertains to you… Who is WCRIBMA? WCRIBMA is the Workers Compensation Rating & Inspection Bureau of Massachusetts. The WCRIBMA is a non-profit group of insurers, tasked by the state to rate workers’ comp insurance. They collect policy […]

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  • September 21, 2018

    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 your insurance deductible be?
    September 20, 2018

    Deductibles: What Should My Insurance Deductible Be?

    An insurance deductible is the amount of money you have to pay from your own pocket before your insurance coverage kicks in. As you probably know, you have a home insurance deductible and several different car insurance deductibles (usually one for “collision” and one for “comprehensive” coverage; there is no deductible for the liability portion […]

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  • infographic on flood insurance in MA
    September 18, 2018

    Flood Insurance in Massachusetts

    Roughly 65,000 Massachusetts families now have flood insurance policies. That equals flood insurance for every thirty-seven MA households. And the number is growing… with good reason. Hundreds of Massachusetts homeowners and business owners experience floods each year. Many live on the Cape, along the North or South Shores. Even still, experts say that proximity to […]

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  • building ordinance insurance helps protect property owners
    September 13, 2018

    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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  • changing car insurance
    September 4, 2018

    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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  • preventing heat illness among employees
    August 9, 2018

    Heat Stress Management: Advice for Employers

    Heat stress management should be an essential piece of your employee safety program. Unfortunately, with the warmer weather comes an increased risk for heat exhaustion, heat cramps, and heat stroke, especially among outside workers like construction crews, landscapers, arborists, etc. “Back of the house” restaurant employees may also be at greater risk this time of year. According to BLS data, […]

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  • do I need umbrella insurance?
    August 7, 2018

    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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  • home insurance for airbnb hosts
    July 17, 2018

    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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  • June 28, 2018

    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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  • Homeowners should check with insurance agent before attempting summer DIYs
    June 26, 2018

    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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  • usdot number on commercial van
    June 14, 2018

    USDOT Number on Trucks: New Rules for Massachusetts Companies

    UPDATE: Massachusetts State Police have agreed to “delay strict enforcement” of the new state markings law until January 1, 2019. The goal is to give carriers time to comply. Between September 1, 2018 and December 31, 2018, the police may issue a warning to commercial vehicle owners who aren’t in compliance with the new rules. The official name for the […]

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  • June 13, 2018

    Father’s Day Gift Ideas from Massachusetts Small Businesses

    Father’s Day is coming quickly! Still scrambling for Father’s Day gift ideas? We’ve got your back. Hit the town this week and browse through 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 […]

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  • June 13, 2018

    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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  • June 7, 2018

    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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  • June 6, 2018

    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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  • April 26, 2018

    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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  • April 24, 2018

    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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  • April 12, 2018

    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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  • using cell phone while driving against law
    April 4, 2018

    Cell Phone Driving Laws

    Do you know the cell phone driving laws in Massachusetts and New England? Since 2010, the region has had laws in place to discourage distracted driving and prevent collisions. But there are still too many drivers on the road who either don’t know the laws or don’t know the consequences of breaking them. In honor […]

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  • insurance for nannies
    March 26, 2018

    Nanny Insurance

    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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  • March 15, 2018

    REAL IDs and Renewing Your MA Driver’s License

    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? We’ve summed […]

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  • questions about home insurance cost and coverage
    February 28, 2018

    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 like these to your home?
    February 5, 2018

    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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  • 2018 UCANE Board
    February 1, 2018

    C&S Insurance on Contractors’ Association Board

    Last month the Utility Contractors Association of New England (UCANE) recognized our very own Ben Cavallo, owner and principal of C&S Insurance, as a newly elected member of the organization’s 2018 Board of Directors. Cavallo, who has built a career in commercial insurance for contractors and loss control services, was nominated by fellow UCANE members due to […]

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  • "Password" and "12345" are some of last year's worst passwords
    January 17, 2018

    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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  • January 16, 2018

    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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  • getting ready for winter weather
    December 28, 2017

    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 owners need special insurance
    December 26, 2017

    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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  • insuring your ma wedding
    December 7, 2017

    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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  • business insurance agents showing what makes them great
    November 30, 2017

    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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  • creating business plan for brewery
    November 17, 2017

    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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  • boston insurance agent
    November 9, 2017

    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 are on […]

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  • November 6, 2017

    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 insurance goes up
    October 25, 2017

    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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  • October 20, 2017

    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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  • stay compliant with osha form 300, 301, 300A and electronic recordkeeping rule
    October 13, 2017

    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 attacks on small businesses aren't always this obvious
    October 3, 2017

    Cyber Attack Insurance FAQs

    If you own a business and you haven’t thought about cyber insurance yet, consider this your wakeup call. Last month’s 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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  • plowing snow in storm
    September 15, 2017

    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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  • September 11, 2017

    The Next Hurricane: Your Path to Preparedness

    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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  • September 6, 2017

    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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  • August 30, 2017

    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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  • busy mom multitasking
    August 18, 2017

    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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  • August 9, 2017

    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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  • July 24, 2017

    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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  • July 14, 2017

    Mass RMV Hours Update

    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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  • rental car and key
    July 12, 2017

    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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  • June 22, 2017

    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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  • June 15, 2017

    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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  • June 13, 2017

    5 Tips on College Student Insurance

    Sending your son or daughter to campus this fall? Whether your child is living at school, commuting to college, taking a gap year, or starting her career, the following tips are useful for any parent with a newly independent child. Please give us a call (508.339.2951) if you have any questions! Renters Insurance for College […]

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  • June 5, 2017

    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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  • May 31, 2017

    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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  • May 19, 2017

    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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  • May 17, 2017

    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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  • May 4, 2017

    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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  • April 26, 2017

    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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  • April 21, 2017

    Cyber Liability Insurance for Small Businesses

    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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  • April 14, 2017

    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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  • Combining insurance policies like strands of rope
    April 3, 2017

    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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  • March 20, 2017

    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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  • March 13, 2017

    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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  • March 10, 2017

    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 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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  • March 3, 2017

    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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  • March 1, 2017

    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 three office locations didn’t make sense for us in the long term. Today, you can find us in Mansfield, […]

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  • February 24, 2017

    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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  • February 13, 2017

    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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  • February 1, 2017

    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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  • January 30, 2017

    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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  • January 20, 2017

    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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  • January 11, 2017

    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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  • nursing paperwork
    January 6, 2017

    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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  • insurance discount options
    December 14, 2016

    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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  • December 7, 2016

    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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  • December 7, 2016

    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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  • December 5, 2016

    Business Interruption Insurance Explained

    Got big plans for your business in 2017? If you don’t have business interruption insurance already in place, you should put it at the top of your list. Here are a few reasons why: Most business owners have (or least know about) general liability insurance to protect their property. But only 37% are familiar with […]

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  • blades of dry, damaged grass
    December 2, 2016

    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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  • November 25, 2016

    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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  • May 9, 2016

    Airbag Recall

    The largest airbag recall in US history just got a whole lot bigger as the National Highway Traffic Safety Administration (NHTSA) adds another 35-40 million Takata airbags to the list. Though the specific vehicles included in the expansion have not yet been announced, the NHTSA will roll out its expansion in five phases, prioritizing high-risk […]

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  • May 2, 2016

    The Essentials of Fire Pit Safety

    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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  • April 25, 2016

    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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  • April 11, 2016

    Industry Insights for Petroleum Marketers

    From our partners at EMC Insurance: Three Strategies to Prevent Overexertion Injuries Overexertion injuries, typically known as sprains or strains, are a top cause of employee injury for petroleum marketers. It affects everyone from bulk plant employees loading barrels to convenience store workers carrying beverage dispensing supplies. And overexertion injuries aren’t cheap, averaging nearly $20,000* […]

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  • March 30, 2016

    Seat Belt Laws

    From our partners at Safety: The Commonwealth of Massachusetts requires the use of seat belts for all operators and passengers riding in a private passenger motor vehicle. Infants and children under the age of 5 who weigh less than 40 pounds must ride in federally approved child safety seats. Beginning July 10, 2008, all children […]

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  • March 26, 2016

    Lyft and Uber Insurance May NOT Cover you

    Uber and Lyft are two new car services that compete with the taxi business – in fact, many people no longer call for taxis, but for ubers. What Uber and Lyft drivers may not realize is, that even though they have their own personal auto insurance, it may NOT cover them if insurance is needed. All […]

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  • March 21, 2016

    Gas and Oil Industry Concerns

    Our partners at Liberty Mutual spoke about the top concerns in the gas and oil industry: Ten years ago, using fracturing and horizontal drilling to extract oil and natural gas was hardly on the energy industry’s radar. Now these methods are well established, and they’re helping drive an increase in oil and gas production and […]

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  • March 10, 2016

    Auto Repair Shop Insurance

    Finding an insurance agent that has the expertise and education when it comes to specializing in auto repair insurance might be hard to find. C&S Insurance Agency believes that ongoing education in these fields and partnering with associations to further our knowledge, will lead us to giving the best possible customer service we can give […]

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  • March 2, 2016

    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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  • February 29, 2016

    A Moving Violation Costs What?

    Many drivers aren’t aware that a moving violation will affect their auto insurance premiums. The premium increase varies greatly depending on the type of moving violation and the state in which it occurs. As stated by Property Casualty 360 Magazine, “Being caught for reckless driving in Hawaii could increase insurance rates for the driver up […]

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  • February 22, 2016

    Cheap Auto Insurance in Massachusetts

    Do you find yourself on Google searching “cheap auto insurance in Massachusetts?” Wondering if you are getting the best deal? When searching for auto insurance, its best to work with an agent who can tell you if you’re getting the best deal, but also the best coverages. Every time the television is turned on, you […]

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  • February 19, 2016

    Congratulations to Leslie Bodge for your CISR Elite Designation!

    Leslie Bodge, the branch manager at our Attleboro office, just earned her CISR Elite! Leslie passed nine courses to earn the CISR Elite Distinction which displays her commitment to education and dedication to the industry. Congratulations on your amazing achievement Leslie!  

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  • February 16, 2016

    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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  • February 8, 2016

    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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  • February 1, 2016

    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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  • January 25, 2016

    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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  • January 18, 2016

    Avoiding Costly Winter Homeowner’s Insurance Claims

    Last winter it felt like the snow was never going to end. In fact, according to the Insurance Information Institute, the homeowners’ insurance claims last year more than doubled the average than in the past 20 years. Repairing any damage from recent winter weather and taking a few precautions will help you avoid having to […]

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  • January 2, 2016

    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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  • December 31, 2015

    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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  • December 21, 2015

    Our Newest Ad

    A special thanks to Redi-Mix Services for partnering with us.  We couldn’t be more excited about the ad.

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  • October 20, 2015

    Why You Need Renters Insurance

    Some people assume they do not need insurance for their place of residence simply because they rent instead of own. Don’t be one of those people. Basically, renters insurance acts as a homeowners insurance policy for those who rent instead of own property. Whether you live in a condo, apartment, house, or a duplex, renters insurance can […]

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  • October 4, 2015

    Life Insurance? Tell me more!

    Question: When was the first life insurance policy issued? Answer: In 1759, the first life insurance policy was issued in the United States of America. The company that issued this policy was the “Corporation for the Relief of Poor and Distressed Presbyterian Ministers and of the Poor and Distressed Widows and Children Presbyterian Ministers.” In […]

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  • September 15, 2015

    Auto Accident Tips

    If you were in an auto accident, would you know what to do? For many people, the course of action after a collision is very puzzling. Here’s a few tips to help you out:   Step 1: Turn on your hazard lights as soon as the auto accident occurs. Move your vehicle if possible. This can prevent […]

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  • September 7, 2015

    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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  • September 4, 2015

    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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  • August 25, 2015

    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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  • August 4, 2015

    Why You Need an Insurance Agent

    You don’t need an insurance policy. You need a personal insurance agent. Why? An agent will take the time to learn your personal needs and identify risks. We want to make sure that your insurance actually protects you. Cavallo and Signoriello Insurance in Mansfield, Massachussetts is an independent insurance agency dedicated to finding you the […]

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  • July 25, 2015

    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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  • July 15, 2015

    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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  • July 4, 2015

    BBQ Safety Tips

    With all this warm weather, it’s hard not to think of cooking outdoors and enjoying the company of family and friends! But, before you fire up the grill this summer remember to follow these helpful BBQ safety tips, so that you can help prevent one of the 2,000 barbeque’s fires that damage homes each year: Make sure […]

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  • June 20, 2015

    Are you a Business Owner?

    Insurance is important for any business; there is no doubt about that. However, it is not the kind of coverage a business owner should rush through purchasing. Buying business insurance is a complicated process and you want to make sure you have an insurance agent who will take the time to ensure that you have all of […]

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  • June 4, 2015

    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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  • February 3, 2015

    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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  • January 25, 2015

    Black Ice..Will You See it Coming?

    At this time of the year black ice is a serious driving hazard and therefore a concern to all who get behind the driver’s wheel.  This is why we at C&S Insurance have some tips for how to deal with this unfortunate winter side effect so that you don’t hurt yourself, someone else, or have […]

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