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FAQs

See below for some helpful insurance FAQ’s – it sure is a confusing topic sometimes! Our insurance experts are always here to help.  We also answer a lot of questions in our Blog , showcase our open jobs and address the question of “Who are the Best Agencies on Cape Cod” 

Business Insurance

Workers’ Compensation, commonly referred to as Workers’ Comp or WC, is a form of insurance that provides wage replacement and medical benefits to employees who get injured in the course of employment. In exchange, employees relinquish their Read More >>


A business owner’s policy, commonly referred to as a BOP, is a package of the multiple commercial insurance coverages that are necessary for a business. In comparison, a general liability policy provides legal defense and insurance protection in the case of bodily Read More >>


Cyber Liability Insurance provides data security coverage. This could cover losses due to data that was stolen from your business. This could also cover your business in the case of being sued over the case of Read More >>


The basic coverage that will be required when starting your own business is Property, General Liability, Commercial Auto, Professional Liability (Errors & Omissions), Umbrella, and Worker’s Compensation. That being said, insurance needs will vary in different businesses and depending on Read More >>


Hired and non-owned automobile liability insurance is a type of Business Insurance coverage that provides your business with protection in the event that an employee is at fault during an accident in their personal (non-owned) or Read More >>


Personal Insurance

A personal umbrella policy (PUP) is a type of insurance that provides liability coverage over and above your general automobile or homeowner insurance policy. Essentially it protects you when your “regular insurance” isn’t enough. An umbrella policy through Rogers Read More >>


There are two general scenarios when transferring a license plate to a new automobile. If you are losing possession of the old vehicle that the current license plate is assigned to, you are allowed to take Read More >>


Yes; If you fail to list any “customary” operator or licensed household member (including a child), your insurance company might refuse to pay your claim, even if you were driving at the time of the accident. Drivers Read More >>


No; A standard homeowners insurance policy does not cover lost or stolen jewelry. The pieces of jewelry would need to be scheduled for the full appraised value. “Scheduling” something (typically jewelry, art or other high-end goods) Read More >>


As a general rule, your insurance deductible should be as big as you can afford. If you have a loss and you have a $1,000 deductible, you will be responsible for the first $1,000 out of Read More >>


Liability insurance is about financial protection for you and your family. The personal liability coverage within your homeowners insurance policy provides coverage for bodily injury and property damage sustained by others for which you or your Read More >>


Discounts are available to Massachusetts insurance holders who provide evidence (ie. receipts) of the purchase of 11 monthly tickets or passes from a qualifying mass transit system during their current automobile insurance policy period. If commuters Read More >>


Most carriers provide the owner occupied homeowner the ability to rent their property out on a limited basis. For example, you own a home on Cape Cod and would like to rent it out for the Read More >>


When traveling into Canada with your personal automobile, you are required to have a “Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card.” Contact Us to prepare one for you!


Renter’s insurance is a form of personal insurance that protects a renter in the event of a fire, burglary, loss of use or other disaster. Depending on coverage options, a renter’s insurance policy covers personal items Read More >>


If you lose your license plate, you can go directly to the Registry of Motor Vehicles with your license plate number. They will order a duplicate plate for you and give you a temporary plate permit Read More >>


To be eligible for a low mileage discount most carriers require less than 7,400 miles driven yearly, other carriers are a bit more generous. Check with your client manager to see what your Massachusetts auto insurance Read More >>


The focus of homeowners insurance is the “replacement cost” of your home, exclusive of land and any detached structures. In other words, the cost to rebuild if the house were destroyed. Market value and/or assessed value Read More >>


The appropriate time to add a new driver to your Massachusetts auto insurance policy is when they get their driver’s license. Our client managers get alot of calls asking to add a child to the policy once they Read More >>


If you’ve recently moved and need to update your address, you can do so with the state of Massachusetts, through the RMV’s online portal. Remember to contact us, since we’re not directly linked to the RMV, Read More >>


This is typically a simple solution… More often then not the address for the Mortgagee Clause and/or Lienholder is incorrect or has changed since the time of new purchase. We would need a copy of the Read More >>


The waiver of deductible means that if the other party is more that 50% at fault and you can identify them, your insurance company will waive the deductible.


The “Other Structure” coverage is calculated at 10% of your dwelling coverage at no additional cost and is part of the homeowners form whether you have the need or not.  You pay premium based on the Read More >>


In Massachusetts auto insurance cannot be canceled until the license plate is canceled with the Registry of Motor Vehicles. The car insurance will be canceled the day following the plate cancelation date.


Hurricane or Named Storm Deductibles only apply to a Named Hurricane or Named Storm. For example – “Hurricane Bob” or “Hercules” (named storm). If the weather event was not given a name, the All Other Perils deductible will Read More >>