Category Archive for : ‘Insurance’

Massachusetts continues to struggle to find a way to pay for MassHealth.  On August 1, Governor Charlie Baker signed into law H.3822.  This law is expected to raise 200 million.  Massachusetts are combined into a single program called MassHealth. MassHealth covers about 1.9 million low income, minor and disabled Massachusetts residents, and it costs about $15.6 billion annually.

The following blog was posted with permission from Benemax.

On August 1, 2017, Governor Baker signed into law H.3822, increasing the existing Employer Medical Assistance Contribution (EMAC) and imposing a new assessment on employers

The damage caused by Hurricane Harvey is prompting people to help in whatever ways they can. Unfortunately, there are dishonest people who prey upon people’s good intentions, creating fake charity campaigns to exploit victims and take advantage of those who want to help.

Despite the sense of urgency to help when disaster strikes, it’s important to do some research before donating. Use these tips to make sure your money reaches the right cause:

Never wire money to someone who claims to be a charity. Legitimate charities don’t ask for wire transfers.
Be cautious

This is the time of the year that most people try to beat the heat by heading to the beach or hanging out by the pool. Swimming pools can make for a great time, but are you properly covered?  Adding a swimming pool can increase the value of your home but also expose perils that can impact your Homeowners Insurance. The addition of a pool may require additional coverage on your Homeowners policy.

The two most common types of swimming pools are in-ground and above ground pools. Each have separate requirements

One of my favorite things to do in the summer is ride my motorcycle.  There is nothing that can match the feeling of freedom you get from riding.  Anyone with a motorcycle knows when you are in the wind riding it is both exciting and relaxing at the same time.  Riding, however, comes with a certain amount of responsibility that all riders must heed.  One of these responsibilities motorcycle operators are held accountable for, as is anyone operating a vehicle of any kind, is insuring your motorcycle.  There are three

In this day and age, everyone is always looking to make a few extra bucks! What is the easiest way to do this and not take time away from our family obligations- starting and operating a business right out of our homes!

It seems like a great idea. Your home is already insured, therefore it won’t cost you any money to rent a place nor will you have to purchase any additional insurance.

Well, that is not always the case. Depending on the business you operate, your Homeowner’s policy will exclude any

One of the biggest issues facing insurance consumers today is the misconception of auto insurance. Any advertisement you see will almost certainly focus on your car, and the damage to it after an accident. They tote the value of their particular insurance policy in getting your car back on the road quickly and with little inconvenience to you. While this is a very important piece of the auto insurance policy, this perspective creates tunnel vision in consumers.

The reality of auto insurance is that it covers so much more than your

Rental reimbursement, towing and road service coverage is an inexpensive insurance option that can help when you need it most.

Help when you need it most

One of the last things you want to worry about after a car accident is how you’re going to get around without your car or pay for other transportation. Since an automobile policy doesn’t automatically cover the cost of a replacement car after an accident, rental reimbursement and towing coverage is an inexpensive insurance option that can help when you need it most.

Rental Reimbursement Coverage

Rental reimbursement

In the event that someone is injured on your property and you are found legally responsible, you could be faced with a costly financial burden. In fact, without a personal umbrella liability insurance policy, any expenses beyond the limits of your standard policy are your responsibility. This applies to your homeowners, renters, automobile and watercraft insurance policies.

Personal umbrella liability insurance provides an extra layer of protection over your personal assets for when your standard liability coverage is exhausted.

Engaging in everyday activities can put you at risk for a lawsuit. Simple

Some people think that a Homeowner’s insurance policy is just to protect one’s home and personal belongings.  Believe me; it is so much more than that.   Homeowner’s insurance also provides Liability Coverage.  This means that if you are found to be negligent in your actions or inaction, your Homeowner’s insurance would respond to this type of loss.   Believe it or not this coverage will follow you where ever you go in this world.  That’s why we call it “worldwide coverage.”

Let’s say for example you are vacationing on Cape Cod and

The battle lines have been officially drawn.  The war has ensued between direct insurance writers and Insurance Agents and the proverbial Paul Revere has long taken his proverbial ride announcing “the direct writers are coming!”  While the direct writers primarily focus on price, the independent insurance agents are able to bring far more to the table.  Working for one of the best Independent Agents in Southeastern Massachusetts, here are what I consider to be “The Distinguishing 5” benefits of working with an Independent Agent.

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