Are You Covered for Snow Removal this Winter?

We're digging out of the snow, slush and ice of 2018's first BLIZZARD aka Bombogenesis aka Bomb Cyclone, and winter is officially here. We've got some updates and advice for the many snow plow contractors out there who have been diligently cleaning up our streets and driveways... Before you hook-up your plow and sign up for snow plowing duty, be sure you have the proper insurance coverage. There … [Read more...]

Queen Elizabeth and Don Draper – Netflix has me thinking…

My latest binge watching has been season 2 of The Crown and Mad Men. I know, I know - I'm a little late to the Don Draper party but I was previously tied up with Sons of Anarchy and House of Cards and a girl only has so much time. Both of these shows have really gotten me thinking about being a female - both in the working world and out. It's likely top of mind because of the #metoo movement … [Read more...]

What happens if the NFIP expires?

December 26th, 2017 UPDATE:  Once again, Congress has extended the National Flood Insurance Program as part of a continuing resolution to keep the U.S. government open. The reauthorization deadline is now January 19, 2018. We are advising any current or future policyholders to stay vigilant amid this uncertainty and take into advisement the below recommendations. Recent article on the most … [Read more...]

Protecting Your Home from Frozen Pipes

As someone who lived in the scorching and humid Florida heat for almost 9 years, I can honestly say: I prefer to deal with the cold weather. Now, I’m no masochist, but trust me, Florida... it’s HOT!!! Wicked hot!!! Like anything else in life though, the cold does present a peculiar set of challenges. Among them is the freezing and bursting of pipes. According to Insurance Journal, 17% of all … [Read more...]

Potential Expiration of the NFIP on December 8th

At the end of the day on Friday, December 8th, the National Flood Insurance Program (NFIP) is set to expire. The extension of the program is built into the Congressional Continuing Resolution, which, as of this publication, has yet to be passed. If the Continuing Resolution is not passed, the NFIP will expire. This means that no new policies can be renewed, existing policies will be non-renewed at … [Read more...]

Massachusetts Releases Proposed Regulations on EMAC Supplement; HIRD Form Returns

On August 1, 2017, Massachusetts Governor Charlie Baker signed H.3822, which increases the existing Employer Medical Assistance Contribution (EMAC) and imposes an additional fee (EMAC Supplement) on employers with employees covered under MassHealth (Medicaid) or who receive subsidized coverage through ConnectorCare (certain plans offered through Massachusetts’ Marketplace). The increased EMAC and … [Read more...]

Beer, Wine, Liquor. 3 Reasons Why You Need Social Host Coverage.

The holiday season is upon us – a time full of family & friends, food & festivities. As you add items to your holiday hosting checklist, you may want to give some thought to your insurance coverage – particularly if you are serving alcohol at your home. Did you know that when serving alcohol at your home, you can be liable for the actions of your guests? For example, if a party guest … [Read more...]

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...]