Insurance for the Company Holiday Party

Employees enjoying champagne at a company holiday partyThe holiday season is officially upon us. Many employers throw end-of-year parties to thank employees for all their work and dedicate time to celebrating the holidays together as a team. Whether your company has decided to throw a big bash offsite or a small low-key gathering in the office, the most important thing is that the get-together is safe, merry, and doesn’t put your business—or the people who work for you—at risk. Let’s go over the insurance matters you need to consider when planning your company holiday party.  [Read more…]

Can a Landlord Require Renters Insurance?

Landlord Holds Keys to Rental PropertyWhile approximately 95% of homeowners in the U.S. have homeowners insurance, only about 57% of renters have renters insurance. Unlike car insurance, here in Massachusetts, renters insurance is not required by law. And although the benefits of having renters insurance are various, with policies starting at very low premiums, many still choose to go without in order to save a few dollars a month. But wait—not so fast. Even if it’s not a government mandate, landlords often ask that their tenants do make the investment. This begs the question: Can landlords be the ones to require renters insurance?  [Read more…]

When Is a Car Considered Totaled?

Car CollisionLet’s say you’ve been in a car accident. This accident could have been just a dent, a minor fender bender, or a head-on collision that deployed the airbags. Believe it or not, there is a chance that the vehicle is deemed ‘totaled’ in any of these scenarios. What does this mean, and when is a car considered totaled? How do you know when your car is heading to the repair shop or the scrap pile? Well, this will all depend on where you live and several other factors. Let us explain.  [Read more…]

How Often Should I Check Smoke and CO Detectors?

Man Presses to Check Smoke and CO DetectorsSmoke and carbon monoxide (CO) detectors: every home needs them, yet they often get overlooked because many forget they’re there—that is, until the alarms sound or make the chirping noise indicating a low battery. Like many other household objects, these devices need routine maintenance to ensure they’re working properly. Without them functioning, our homes, loved ones, and belongings are vulnerable to physical harm. So, how often do you need to check smoke and CO detectors? And how do you do so? [Read more…]

Home Window Safety: Preventing Potential Problems

Woman Parting Curtains to Open Home WindowsAre you enjoying the crisp fall air this time of year? For now, New Englanders are in the clear when it comes to the hot and humid days. It can be tempting to open all the windows in your house to let in some fresh air and a cool breeze, but before you do, be sure you’re aware of potential risks. Let’s review the things that make home window safety so important and how you can prevent window-related incidents.  [Read more…]

Why Your Cleaning Business Needs Insurance

Cleaning Business Employees Cleaning a KitchenMopping floors, dusting shelves, and scrubbing toilets. These are just some of the common chores that practically every home and commercial building regularly needs done, which is partially why cleaning companies have the potential to be so lucrative. But there are insurance risks and liabilities involved if any of this “dirty work” goes wrong, and without the right insurance, they could clean out your personal pockets. Before you get into a big mess of lawsuits, here’s what you need to know about insuring your cleaning business so you can focus on making a living by getting others’ spaces to sparkle.  [Read more…]