On this Day…Hurricanes and Cyber Attacks

On this day, as Hurricane Irma barrels through the Caribbean and heads to Florida and the one of the nation's largest collector of secure data, Equifax, announced a major cybersecurity breach, it certainly does make you focus on risk preparation and planning. Insurance is all about securing against risk. Our team here spends their days speaking to clients on all of the "what if's". What if a … [Read more...]

Costly Overtime Ruling Struck Down

On August 31, 2017, Federal District Court Judge Amos Mazzant overturned the Fair Labor Standards Act (FLSA) Final Overtime Rule that would have doubled the annual salary level to qualify for exemption from overtime from $23,660 to $47,476. The same judge issued an injunction stopping implementation of the final rule nine months ago, and the Trump administration did not challenge the … [Read more...]

Frequently asked questions about EAP Programs

Do EAPs Work or Are They Just a “Feel Good” Benefit? Employee Assistance Programs (EAPs) help employees by offering them various services that primarily focus on their mental health and well-being, while the employer enjoys the increased productivity that comes with a happy, mentally stable workforce. While that may seem "feel good" - the good certainly wins in this case particularly in light … [Read more...]

The frightening truth for Cape Cod Airbnb hosts

Cape Cod is ripe for a home rental platform like Airbnb and we’ve seen an increase in this type of online, on-demand business model in our beautiful little beach community. There are some considerations to take into account however before you become a host – with insurance being one of them. We get this question a lot – “Does my homeowners insurance cover Airbnb or other online rental … [Read more...]

The TOP Factors Affecting Your Life Insurance Premiums

We receive a lot of questions from clients about Life Insurance, so I thought it might be worth highlighting the variables that going into calculating your Life Insurance premiums. For those of you that have previously obtained a quote for a life insurance policy or used an online calculator, you are likely already well aware of the different factors that affect those precious premium dollars. But … [Read more...]

6 Real Life Claims That Will Convince You That You NEED Umbrella Insurance

It is not always easy to think about the "worst case scenarios" in life, but it is necessary to make sure you and your loved ones are protected. Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future. We have some real life claims scenarios that will definitely make you … [Read more...]

Stay ALERT: What YOU Can Do to Prevent Distracted Driving

Around this time every year - between Memorial Day and Labor Day - the average number of deadly car crashes climbs 15% compared to the rest of the year. Over the past five years, more than 1,600 people were killed in crashes involving inexperienced or distracted drivers. “Statistics show that teen crashes spike during the summer months because teens are out of school and on the road” said Dr. … [Read more...]

Non-Profits & Volunteers – How to make sure both are protected!

Volunteers are the lifeblood of many nonprofits around the country – keeping organizations humming without adding much expense. Approximately 26% of Americans volunteer for a nonprofit, business or religious group each year. Bureau of Labor Statistics But are they protected – and is your nonprofit protected – against claims levied by volunteers? Reading through some claims scenarios culled … [Read more...]

Million Dollar Mulch Fires

For many, Memorial Day weekend is considered the start to the summer and usually signifies the beginning of the beautiful-yet exceedingly humid-New England summer weather. Even with all of the rain that we have had in Southern Massachusetts this spring, the public needs to be while mindful that areas are still DRY and caution should be taken when disposing of a cigarette, cigar or smoking … [Read more...]

6 Reasons Why a Career in Insurance is a Great Choice for Millennials!

When you think of insurance, you might picture funny talking lizards, relentless sales representatives and difficult claims adjusters. In reality, the world of insurance is much more vast (and exciting!) and there are hundreds of jobs that are vital to operations. Insurance is one of those rare industries that lets you combine your skills, talents, and interests and apply them to a wide range of … [Read more...]