Attractive Nuisances: How They Affect Insurance

A swing set in a back yard, used to dedicate an attractive nuisanceWe’re in the dog days of summer, and despite quarantine, children are excited about playing outdoors. Although it’s important to encourage children to stay active, you also teach them about the potential hazards in your neighborhood. These hazards can come in a variable of shapes, from playground equipment to power tools. However, it’s also important to be wary of the dangers features on your property present to others. Learn more about what insurance carriers refer to as attractive nuisances and how they affect insurance. [Read more…]

Does Your Nonprofit Organization Need Coverage for Volunteers?

A male volunteer in a medical mask delivering a box of vegetables to someone's front doorstepDespite the charitable nature of nonprofit organizations, there are some essential guidelines they must follow to prevent risks to themselves. Although they have different goals than traditional businesses, volunteer-driven nonprofits need to protect their team, and while nonprofits operate differently than a traditional business, they share some of the same risks and liabilities. Let’s dive into what types of coverage for volunteers nonprofit organizations require. [Read more…]

Why Your Business Needs Liquor Liability Insurance

Three variations of beer sitting atop a wooden table in a restaurantRestaurants are no stranger to selling alcoholic beverages alongside their dishes. Even if a restaurant doesn’t sell alcohol, they may host periodic events where alcohol is permitted. On top of that, some stores, breweries, and bars make a living off of selling alcoholic beverages. Unfortunately, an increased risk of liability accompanies the serving of alcohol, as it’s famous for impairing motor skills and judgment if abused. Given the perils of excessive alcohol consumption – such as liability for assaults, property damage, and drunk driving – it’s important to know the necessity of liquor liability insurance. [Read more…]

6 Common Homeowners Insurance Exclusions

A house and garage situated near a lake that has been flooded, which is a common exclusion of homeowners insuranceHomeowners insurance policies are designed to cover a broad spectrum of risks, from damage to the house to the liability of those within. Nevertheless, like most industries, insurance providers set a limit to what their policy covers to preserve their business. These boundaries are set by the exclusions of the policy. To save yourself from heartache the line, it’s critical to understand some of the common homeowners insurance exclusions, as there are actions you can take to offset the damages. [Read more…]

Choosing the Right Beneficiary for Your Life Insurance Policy

A senior woman signing a live insurance policy after choosing the right beneficiary for her life insuranceLife insurance is critical when it comes to securing the welfare of your family, especially now in the midst of a global pandemic and financial instability. However, as important as it is to have life insurance, it’s equally important to choose the right beneficiary. You want to ensure it’s someone trustworthy and will use the funds the way you’d want them to. However, sometimes it can be difficult to go through all the loved ones in your life and single out just a few options, but it’s essential to take great care when choosing the right beneficiary for your life insurance. [Read more…]

How to Make the Most of a Social-Distancing Summer

A senior couple planting a garden, depicting a way to enjoy a social-distancing summerSummer’s officially begun, and many of us don’t want to let it go to waste, given the harshness of New England winters. But with the global pandemic putting a hitch in all our plans, it’s difficult to put a positive spin on this warm-weather season. However, although summer festivals, summer camps, and vacation plans have been canceled, there are still safe ways to have fun for you and your family. In this blog, we will discuss some of the ways to make the most of a social-distancing summer. [Read more…]