Insights

Do Your Clients Need Coastal or High-Value Homeowners Insurance?

Do Your Clients Need Coastal or High-Value Homeowners Insurance?

If your clients own a coastal or high-valued home, standard homeowners insurance may not provide adequate coverage if an unexpected event occurs. Standard middle-market policies leave expensive gaps in coverage for homes that hold high values, typically over $750,000, or home that are located along the coast, in areas vulnerable to disastrous weather conditions. Placing coverage with a carrier...

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Safeguard Your Home Before Winter Weather Hits

Safeguard Your Home Before Winter Weather Hits

The leaves are falling, there’s a chill in the air, and winter is right around the corner.  Homeowners should take precautions now to protect against winter weather-related damage. There are inherent dangers associated with winter weather; including frozen pipes, ice dams, fires from heat sources, wind damage, flooding, and other devastating (and...

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Don’t Get Hacked: Get Covered

Don’t Get Hacked: Get Covered

You've been hacked! These are three words that we dread in our society of technology dependency.  In 2018, billions of people were affected by data breaches and cyberattacks. USA Reports that 765 million people were hacked in the months of April, May and June alone – with losses surpassing tens of millions of dollars. Security experts project...

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Tips to Properly Protect Your Home This Hurricane Season

Tips to Properly Protect Your Home This Hurricane Season

All eyes are on the weather as we approach the peak of hurricane season.  While hurricane season lasts from June 1-November 30, the most significant risk is around September 11th.  Early forecasts predict nine to fifteen named storms to hit our coasts during the 2019 season.  Significant risks to homes include flooding, wind damage, tornadoes,...

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Does My Car Insurance Cover Uber/Lyft Exposure?

Does My Car Insurance Cover Uber/Lyft Exposure?

It’s summertime and you want to earn extra money for your upcoming family vacation or pay down some bills.  After researching several options, you decide that driving for Uber or Lyft works best.  You have the flexibility to schedule pick-ups when it’s convenient for you, the pay is decent, and you already have a smartphone and a car. You sign up...

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BOATING SAFETY TIPS TO PREPARE FOR SUMMER

BOATING SAFETY TIPS TO PREPARE FOR SUMMER

Summer in New England provides great opportunities to get out and make memories on the water. Make sure that you and your family bring home only the happiest memories by being prepared and keeping these boating safety tips in mind: Make sure you have all the required safety gear on board. This means Type 1 PFDs (life jackets) and other floatation...

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Your Home Is More Than Brick and Mortar

Your Home Is More Than Brick and Mortar

A home is so much more than the bricks, mortar, and lumber used to build it, especially for your high net worth clients. It's full of memories, private collections, and cherished belongings--and your client’s personality and interests are reflected in every exquisite detail. If your client experiences a claim, they want more than a check from the...

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The Importance of A Personal Articles Floater

The Importance of A Personal Articles Floater

A common misconception of homeowners is that all personal belongings are covered under their insurance policy.  Unfortunately, there are several capped coverages for the items people deem most important (think maximum jewelry limit of $5,000 in some cases).  A separate Personal Articles Floater (PAF) policy is critical to ensure your clients have...

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Difficult Homeowners Risks Just Got Easy!

Difficult Homeowners Risks Just Got Easy!

Let’s face the facts:  Your clients are going to have homeowners’ claims.  They are going to buy that coastal secondary home in Florida or California and call you the day of closing for coverage.  They are going to rent out their seasonal home on AirBnB.  They are going to tell you there is a fire department within 5 miles when there isn’t....

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HOW NEW ENGLAND IS GETTING IN THE HOLIDAY SPIRIT

HOW NEW ENGLAND IS GETTING IN THE HOLIDAY SPIRIT

There’s a chill in the air, but people throughout the New England region are doing their best to make the season warm and bright. We’ve seen some wonderful stories of holiday generosity that are sure to melt your heart. A few of our favorites: Homeless Man’s Kindness More Than Repaid Kate McClure was driving late at night on I-95 when her car ran...

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Sharing Economy Trends Pose New Concerns for Insurance Coverage Gaps

Sharing Economy Trends Pose New Concerns for Insurance Coverage Gaps

Over the last few years, an entirely new way to add to household income has entered the market place. It’s called the “sharing economy.” This is an exciting and profitable industry but far too often homeowners forget a crucial step: insurance. According to Forbes: “The sharing economy is currently worth about $26 billion and grows bigger each...

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HOLIDAY CELEBRATIONS AROUND THE WORLD

HOLIDAY CELEBRATIONS AROUND THE WORLD

We’re all familiar with the traditional celebrations we hold in the US as the winter months set in. However, we are not alone in brightening the colder season with feasts, exchanges of gifts and other festive activities. Cultures throughout the year hold holiday celebrations that keep up cheer until the warmer weather returns. A few from around...

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PROS & CONS OF VIRTUAL DOCTOR’S APPOINTMENTS

PROS & CONS OF VIRTUAL DOCTOR’S APPOINTMENTS

The rise of widely available high speed internet and higher quality mics and cameras has aided the development of other technologies, such as virtual doctor’s appointments. Like any technological advance, telemedicine has both benefits and drawbacks. Assessing all of these can help you decide when it is helpful and when an in-person visit is...

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A GUIDE TO NON-PROFIT GIVING AND CHARITABLE DONATIONS

A GUIDE TO NON-PROFIT GIVING AND CHARITABLE DONATIONS

‘Tis the season for businesses to give back to the communities where they and their customers reside. The Christmas season is the most popular time of year for charitable giving — according to a recent survey of nonprofits, more than 10% get over half their funding during the holidays. To make sure that your gifts make the impact that you want,...

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CAN RECYCLING LIMIT YOUR CARBON FOOTPRINT?

CAN RECYCLING LIMIT YOUR CARBON FOOTPRINT?

Nearly every year, more carbon dioxide is released into the atmosphere than the year before. And, much of the carbon dioxide that is generated comes from the US. While we are only 5% of the world’s population, we contribute over 20% of its carbon emissions. Additionally, we use over 30% of the world’s resources and contribute 30% of its waste....

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WINTER WEATHER MAINTENANCE – WHAT IS YOUR RESPONSIBILITY?

WINTER WEATHER MAINTENANCE – WHAT IS YOUR RESPONSIBILITY?

During the winter months, your rental properties need special attention against the season’s harsh weather and temperatures. Keeping on top of these maintenance tasks can keep your tenants and property safe, and help prevent small repairs from morphing into big problems: Inspect the trees. Snow and ice can weigh down branches, causing them to...

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TOP 10 TOOLS NECESSARY WHEN YOU OWN YOUR OWN PROPERTY

TOP 10 TOOLS NECESSARY WHEN YOU OWN YOUR OWN PROPERTY

Becoming a home owner means becoming responsible for a dizzying range of appliances, fixtures and home systems. While many items will require professional attention, it also pays to be able to handle a lot of the small stuff yourself. If you are moving from apartment living to a home of your own, stock your toolkit as soon as possible with the...

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HOW TO CHOOSE A REPUTABLE CONTRACTOR

HOW TO CHOOSE A REPUTABLE CONTRACTOR

No matter how well-built they are, your buildings will need some maintenance, repairs and sometimes some upgrades or renovations. Choosing the right people to take on these important tasks can be daunting, but it is necessary to ensure that the work you need gets done in the right way. By carefully vetting the people who work on your structures,...

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5 QUESTIONS TO ASK YOUR NEW MECHANIC

5 QUESTIONS TO ASK YOUR NEW MECHANIC

Finding the right mechanic for you can be a tough and intimidating process. It can be hard to know who you can trust and who you should avoid. To be sure that you are putting your vehicle in trustworthy hands, find the answers to these questions before you commit: 1. What certifications do your mechanics have? Mechanics working for any...

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CARVING OUT A PLACE IN YOUR BUSINESS FOR MILLENNIALS TO SUCCEED

CARVING OUT A PLACE IN YOUR BUSINESS FOR MILLENNIALS TO SUCCEED

Millennials now make up the largest worker demographic in the workplace. In fact, by 2025, three out of four workers will be Millennials. Despite how large and entrenched this group is, many companies are having a hard time attracting and retaining top talent in this age group. To be an appealing workplace means offering perks and advantages that...

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WHAT RENOVATIONS GIVE THE MOST BANG FOR YOUR BUCK?

WHAT RENOVATIONS GIVE THE MOST BANG FOR YOUR BUCK?

When you are looking at remodeling your home, you are often thinking in terms of recouping the costs when you wish to sell. However, it is important to choose where to invest your money wisely. Not every home improvement can give you the improvement in selling price that you want. When it comes to home renovations, some are more likely to result...

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