When Should I Review My Car Insurance Policy?

By Edward J. Adamczyk on May 10, 2019 12:00:00 PM

Conducting periodic reviews of your car insurance policy helps make sure you’re properly covered and are getting a fair rate for the policy you have. The Following are a few times when you should talk with an independent insurance agent in Massachusetts about your current auto insurance policy and other insurers’ policy offerings.

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How Can You Save on Boat Insurance?

By Edward J. Adamczyk on Apr 17, 2019 6:48:57 PM

Most boaters in Massachusetts are able to get boat insurance policies at affordable rates. There are steps, however, that boaters in the state can take to keep their boat policies’ premiums as low as possible. If you’re looking for a boat policy, here are some ways you might be able to save on watercraft insurance.

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What Factors Affect Massachusetts Car Insurance Rates?

By Edward J. Adamczyk on Dec 18, 2018 6:08:06 PM

There are many factors that impact how much drivers in Massachusetts pay for car insurance. There are also things that drivers sometimes think affect their premiums but don’t actually have any impact. If you own a vehicle in the state, here’s a look at some of the factors that are likely affecting your auto insurance premiums -- and some that probably aren’t.

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Does Commercial Property Policy Provide Cyber Insurance Coverage?

By Edward J. Adamczyk on Nov 15, 2018 11:22:27 PM

In the digital world that so many businesses operate in today, it’s necessary to insure more than just physical property. Businesses must protect their digital data, as well. Here’s a look at the protections that commercial property policies usually provide Massachusetts businesses with -- and why most businesses should consider getting cyber insurance.

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How Can My Business Answer the “Warranty Question” When Applying for Directors and Officers Insurance?

By Edward J. Adamczyk on Oct 4, 2018 4:16:37 PM

When applying for directors and officers insurance, your Massachusetts business will likely be asked a “warranty question.” Insurers word this question in various ways, but it generally asks whether the applying company is aware of any facts, circumstances or situations that could lead to claim against the insurance policy. Any issues disclosed are typically excluded from coverage, which can make this question challenging to answer. Here are some tips on how your business may want to approach this question.

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Insuring Your Precious Gems with Jewelry Insurance

By Edward J. Adamczyk on Sep 15, 2018 12:25:48 PM

From flower to candy to jewelry, Valentine’s Day has become a major gift-giving holiday. With over $18 billion being spent each year, over $4.4 billion is spent on jewelry alone. If you’re among the many buying your sweetheart something sparkly this year (Valentine's Day or not), do you know how to protect your purchase? Insuring your jewelry with jewelry insurance can help make sure the gift lasts a lifetime.

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What Kinds of Incidents Does an Employment Practices Liability Policy Cover?

By Edward J. Adamczyk on Jul 11, 2018 2:01:00 PM

Employment practices liability policies help protect Massachusetts businesses from employment-related liability claims. For covered claims, policies typically help pay both legal fees and settlements associated with the claims (up to the policies’ limits). Here are some examples of incidents that your business could be involved in and an EPLI policy might cover.

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How Can Inland Marine Insurance Add More Protection for My Company’s Computers?

By Edward J. Adamczyk on Jul 2, 2018 1:46:57 PM

Many Massachusetts businesses have thousands, and sometimes tens of thousands, of dollars invested in computers and mobile devices. Because computers are so valuable -- and the data on them is often even more valuable -- it’s important to make sure they’re properly insured. To best insure your business’ computers, your company will probably need a combination of cyber insurance, commercial property and inland marine insurance. Here’s a look at how these three coverages can work together to help protect your business’ computers and the data on them.

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Does My Business Need General Liability Insurance That Includes Product Liability Coverage?

By Edward J. Adamczyk on Apr 26, 2018 12:50:58 PM

General liability insurance offers a broad range of coverages, which protect businesses from a number of potential perils. The particular coverages that any one general liability policy offers can vary, but businesses can usually find a policy that has coverages tailored to the business’ needs. One particular coverage that businesses may want to consider getting is product liability coverage. Here’s a look at what this coverage provides, what sorts of businesses need it and how your Massachusetts business might procure it.

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Should Contractors File a Claim Against Their Contractors Insurance or a Project’s Insurance?

By Edward J. Adamczyk on Mar 12, 2018 10:59:27 AM

In most situations, an insurance claim is covered by a single policy. Occasionally, however, claims in the contracting industry can legitimately be covered by both a contractor’s own insurance policy and a project’s insurance policy. In these situations, it can be difficult to decide which policy to file a claim against. If you’re a contractor in Massachusetts, here’s a look at the advantages and disadvantages of filing such a claim with your own contractors insurance policy or a project’s insurance policy.

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