Video Mondays: Halloween & Insurance
What does Halloween mean for your insurance? With more people on your property than most nights and candles and jack-o-lanterns lighting up your home, accidents may be more likely to happen. Be prepared for Halloween by having enough liability insurance to cover you, your home, and your family if something happens on your property. Watch as one of our experts... Read MoreYou’ll Need General Liability for your Business
When it comes to claims, lawsuits, and the coverage you will need in those situations, every situation is unique. No matter what the situation is, you will be very happy that you have general liability insurance. To help you better understand situations where your need for general liability insurance may arise, here are some situations that can happen at any... Read MoreWhat is Cyber Liability Insurance?
One of the most common concerns of business owners these days are attacks and theft, but not in the way you may assume. The most dangerous situations of theft in today’s day and age are proving to be that of a cyber attack. If your business uses computers, there is a good chance someone is eventually going to try to hack... Read MoreOne of the most common concerns of business owners these days are attacks and theft, but not in the way you may assume. The most dangerous situations of theft in today’s day and age are proving to be that of a cyber attack. If your business uses computers, there is a good chance someone is eventually going to try to hack into your computer system. If that were to happen at your business, what would be the fallout? Data breaches can result in lawsuits, reputation damage, fines, and business interruption.
Fortunately for you, there is a solution which involves having the right protocols and insurance policies in place to help prepare for damage that can be caused by a cyber attack. Cyber attacks are increasingly more sophisticated and they can happen to any business, small or large. Your business is responsible for protecting your clients data, what will you do to protect that information? Cyber Liability Insurance addresses the risks associated with the internet, e-business, networks and informational assets. If your business is handling credit card information, health records, financial records, social security numbers, or even emails, you could be at risk. Protect your business and your clients with a Cyber Liability Insurance policy.
If you’re worried about protection against third party claims caused by errors, misstatements or misleading statements in electronic communications, you may want to This could protect your company in situations that involve plagiarism, defamation, or copyright issues. Give our commercial lines experts a call at 888.865.1244 and they can help you protect your business from cyber attacks!
-->Spring Planting Advice
It’s no secret that we are all scrambling to perfect our landscaping and plant the right plants now that spring has begun. If you don’t exactly have a green thumb, planting can be extremely stressful. You want to make sure you are doing your best to plant things that will grow and flourish as the season goes on. Just to... Read MoreIt’s no secret that we are all scrambling to perfect our landscaping and plant the right plants now that spring has begun. If you don’t exactly have a green thumb, planting can be extremely stressful. You want to make sure you are doing your best to plant things that will grow and flourish as the season goes on. Just to make sure your garden is a success this spring and summer, here are some dos and don’ts that can get you started:
Soil don’t: Work the soil only when it’s moderately dry. If you walk on, till, or cultivate the soil when it’s wet it can destroy the soil.
Soil do: If your soil is too wet, use raised beds that will dry out and warm faster and can provide
drainage.
Cold weather plant do: Check the packets to see how long it takes plants to harvest before you plant. You may find plants that are cold-weather such as peas, spinach, and lettuce should be planted soon so they will have time to mature before the hot weather gets here.
Weather do: Know your area so that you can choose your plants wisely and they will be able to stand the cold and/or heat. For example, did you know peonies won’t bloom in places with a mild winter?
Planting do: If you have planted seedlings indoors, ease them into the outdoors. Gradually increase the amount of sun they will be exposed to.
Compost is a do: Let Mother Nature feed your plants by having compost pile for your soil.
Watering do: Did you know your veggie garden needs about an inch of water a week? If you don’t get a lot of rain, water those veggies so that about 6 inches of the soil is wet.
Veggie do: Rotate your veggie crops each year because the plants can be vulnerable to diseases that may be lingering in the soil from last year.
Wish that you could just put an umbrella over your plants to protect them if there’s too much rain or too much sun? While we can’t offer you extra coverage for your plants, we can offer you extra liability insurance with an Umbrella Insurance policy.
-->My Babysitter was Hurt at My House…Now What?
The weekend is here… do you have anything fun planned? If you will be heading out and leaving the kids at home with a babysitter, we have some insurance food for thought. What would happen if while you were out your babysitter were to get hurt in your home? Anything from slipping on ice while getting something from her car to... Read MoreThe weekend is here… do you have anything fun planned? If you will be heading out and leaving the kids at home with a babysitter, we have some insurance food for thought. What would happen if while you were out your babysitter were to get hurt in your home? Anything from slipping on ice while getting something from her car to tripping over the kids’ toys in that messy playroom is a possibility. As we always say, they are called accidents for a reason and it’s difficult to prevent these accidents from happening.
A situation like this would be where having enough liability coverage on your Massachusetts Homeowners Insurance would be key. Your liability would help cover medical expenses. If that babysitter were to sue you for the accident, you may end up not having enough liability to cover the situation. Situations like this are where it may be a good idea to have an Umbrella Insurance policy. Have more questions about situations like this or how much liability you should have you? Call us at 888.865.1244 and our agents will be happy to help you out!
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