Can My Home Be Insured for Damages Caused by Wildlife?

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Massachusetts is home to many interesting animal species. Unfortunately, many of these creatures can cause big problems in and around your house. Animals like bears and beavers, specifically, can deal some serious damage to your property. Understand the measures you can take to prevent conflicts with wild animals, as well as how your insurance covers your home for the resulting damages.

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Inland Marine Insurance: Keep Your Company Property Covered

Inland Marine Insurance: Keep Your Business Property CoveredDepending on what type of business you operate, you may be working off site for your clients. Some of these types of businesses include construction companies, transportation and cargo, renewable energy, and fine arts. When you are working off-site, your business owner’s policy (BOP) does not always cover your assets, equipment and tools—this can put your business at serious risk. Inland marine insurance may be the coverage you desperately need. [Read more…]

When Do You Need Pollution Liability Insurance?

PollutionDid you know that roughly every construction or commercial type of business has at least one environmental liability exposure? Pollution liability does not happen as frequently as you think, but when it does happen, it is large, expensive and complicated. That’s why if you own a business that can have an effect on polluting the environment, due to operations, negligence, or inventory, it is important to have the proper coverage. [Read more…]

New Job? What You Need To Know Before You Accept

New Job What You Need To Know Before You AcceptWhen your new employer asks you if you have any questions, do not say no. Whether you’re at the negotiating table with your new employer or taking a tour of the facility, you need to arm yourself with a multitude of questions to protect yourself from any form of negligence. There are certain precautions that need to be taken when it comes to certain aspects of a new job. A clear majority of people enter their new jobs and go on to have successful careers without any complications. However, that is certainly not the case for everybody. Although unlikely, many people don’t consider these in-depth questions during the hiring process and later reap the detriments of their unfamiliarity. To better prepare yourself, here are questions to ask and what to be mindful of when starting a new job.  [Read more…]

Business Interruption Insurance: Is It Important?

Business Interruption Insurance: Why Is It Important?Small business owners will not hesitate to buy coverage insurance to protect their entity due to physical damage of the property or liability protection. What if something happened to their business that made it temporarily unusable? Too many owners skip over this fact. Thankfully, there is a little something called business interruption insurance that will protect their business in a big way. [Read more…]

Is Fiduciary Liability Insurance Right For Your Business?

Fiduciary Liability Insurance - TJ Woods Insurance - Worcester, MAThere are many times when you need someone who will represent you on your behalf. Say you have an investment account in which you are placing your retirement money. You have empowered a stock broker to have access to your money with the idea of increasing your wealth through investment. You are trusting this stock broker to act on your behalf and to your advantage. You would certainly want that person to be making smart decisions for you—after all that is what you are paying them for.

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