grieving woman alone on dock by water

Life Insurance and Overdoses

Massachusetts is one of the top ten states with the highest rates of opioid overdose deaths. While intervention has led to a recent downward trend in overdoses, they still occur at a much higher rate than 5 years ago. The opioid crisis has reached into every corner of society, catching family members and friends off guard. Some find themselves in additional peril when their life insurance claims are denied due to cause of death. This is new territory for insurance carriers, and the outcomes rely on a number of factors. If this happened to your family, would you be prepared?

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new years 2020

Insurance Checklist for the New Year

Many of us look to a new year as a way to improve our habits—shed a few pounds, get more sleep, reduce stress, get our finances in order. But how often do you fine-tune your insurance policies? Here are some suggestions for achieving more peace of mind in 2020.

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house fully engulfed in flames

Cooking Fire Prevention

From a dry Christmas tree adorned with 20-year-old lights to a set of drapes dangling near a faulty heater, fire risks seem ubiquitous this time of year. With the holiday season around the corner, it’s the perfect time to address leading causes of house fires and how to prevent them. For the #1 most common source of house fires, look no further than the kitchen.

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illustration of meteorite heading towards earth

Unconventional Insurance Policies

When it comes to purchasing insurance, most of us probably focus on auto, homeowners, and health coverage. After all, damage to our cars, our houses, and our wellness can cause catastrophe financial woes. With Halloween just around the corner, we thought we’d highlight some unusual, even weird, insurance policies that you probably didn’t know existed.

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fallen tree crushing parked car

Auto Insurance Exclusions

Many drivers assume that their auto insurance policies cover a lot more than they actually do, and they only learn the truth after their claims are denied by their insurance carriers. If you’re unsure what your policy does and does not cover, it’s best to go over your insurance agreement with a qualified agent. However, here are some of the more common auto insurance exclusions.

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Man trying to break into a car using a screwdriver

My Car Was Stolen… What Do I Do?

According to the National Highway Traffic Safety Administration (NHTSA), 773,139 cars were reported stolen in 2017—that’s one report every 40.9 seconds. On average 59.1% of locally-stolen vehicles are recovered, though their conditions can vary greatly. If your car was stolen, would you know what to do? Here are the general steps you should follow.

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Young woman working at a desk with 2 computer monitors

Injury Prevention for Desk Workers

You’ve no doubt heard someone say “Sitting is the new smoking.” Numerous studies have shown the detriments of a sedentary lifestyle: increased risk for back problems, osteoporosis, obesity, heart disease, diabetes, and some types of cancer, even double of the risk of premature death. Though office work won’t be found on any top 10 lists of most dangerous jobs, the negative impacts of too much sitting are detrimental to both employees and employers—the cost of absenteeism and extra health care due to the workers’ sedentary-related health problems runs into the billions each year. But sitting too much isn’t the only cause of poor health in office workers.

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oil slick in water

The Danger of Home Heating Oil Leaks

Do you heat with oil? Are you still using a black steel tank to store that oil? A leaking heating oil storage tank is not an issue to be taken lightly. The results could be catastrophic for you and your family.

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home auto and life icons indicating insurance bundling

What Is Insurance Bundling?

Getting a good deal on your homeowners and auto insurance premiums—while carefully ensuring the proper coverage for your most precious assets—is every consumer’s goal. These types of insurance policies protect some of the most important possessions in our lives, so deciding to be sufficiently covered and yet save money is a worthy task. One of the most common ways to reduce the costs of insurance is through bundling. While doing this, it is also a great time to review if changing your deductible will make sense for you as well to help reduce your premiums.

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computer screen with security settings

Best Practices for Cyber Security

The saying goes that an ounce of prevention is worth a pound of cure. And while a carefully crafted Cyber Liability policy can protect you from significant financial loss in the event of a cyber attack or data breach, it’s best to protect your company proactively through cyber security protocols. In fact, some insurance providers may insist that you have security measures in place before they will underwrite a policy for your business.

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