3 Must-Have Insurance Policies for Retail Businesses

The interior of a retail store selling various decor, including vases, towels, and mirrors.Many people dream of one day owning a store, and for those who’ve succeeded in this endeavor, it’s become a way of life. With this new business venture, these store owners need to invest in ways to safeguard all they’ve accomplished. Investing in protections that can guard you against the devastating financial impacts of situations like injuries to employees or guests, property damage, lawsuits, or sudden loss of business income is vital to ensuring that your livelihood remains intact. Let’s look at some must-have insurance policies for retail businesses. [Read more…]

Business Insurance: Additional Insured vs. Loss Payee

A janitor cleaning a business' tiled floors with a floor-washing machine, meant to despite someone who is an additional insured.When you’re searching for a new policy for your small business, it can be difficult to wrap your head around all the insurance jargon and terminology. One common area of confusion arises from the terms “additional insured” vs. “loss payee.” At first glance, it can seem these two are the same because you can add both entities to your business insurance and grant them the right to benefits. However, beyond this broad similarity, they’re actually quite different. Let’s discuss the difference between additional insured vs. loss payee and their accompanying rights. [Read more…]

Tips for Buying a Business Car

A business woman driving a white business car with packages in the passenger's seat.From proving handy for deliveries to providing reliable transportation between work locations, there are some noteworthy benefits to investing in a company-owned vehicle. However, just like any major purchase, there are some key items to consider before signing over the check. Since there are many potential issues and complicated procedures that can cause some hefty company setbacks, let’s review some tips for buying a business car. [Read more…]

Should You Purchase an Extended Warranty for Your Car?

A closeup of an electronic car key on a desk with a hand holding a pen signing an extended car warranty in the backgroundMost of us have been burned by the costs of hefty auto repairs, many of which aren’t our fault. There’s always the hesitancy of trusting in the reliability of a new car, regardless of the state of the vehicle. If you’ve purchased a car from a dealership, you’re accustomed to the moment the salesperson inevitably pitches you an extended warranty. Despite the price, there’s often a fair amount of consideration that goes into your decision. In this blog, we’ll discuss the pros and cons of an extended warranty for your car to help simplify your decision. [Read more…]

Changes to The MA State DOT Markings Regulation

Changes to The MA State DOT Markings RegulationFour days ago, a new regulation went into effect for the State of Massachusetts which can affect anyone who gets behind the wheel of a commercial vehicle that weighs 10,001 lbs. or more used in Intrastate commerce. The changes could affect customers written on a Massachusetts Auto Policy class 30 such as plumbers, carpenters, electrician, etc. [Read more…]

What Policies Cover Ridesharing Drivers?

Ridesharing apps like Uber and Lyft have gained massive popularity due to their convenience, tracking ability, and friendly drivers. Since this industry began, millions of rideshares are taken monthly, and billions of consumers’ dollars are spent on them annually. So, if you’ve been considering becoming a ridesharing driver for Uber or Lyft, it’s important to know what kind of auto insurance you’ll need and what kind of coverage these two companies provide. [Read more…]