--- title: Massachusetts Insurance Blog | Haberman Insurance Group | Edward J. Adamczyk description: Our blog is the thought leader for everything that has to do with insurance in Massachusetts and beyond! --- [File a Claim](https://www.habermaninsurance.com/massachusetts-insurance-service-center) [Make a Payment](https://www.habermaninsurance.com/massachusetts-insurance-service-center) [CSR 24](https://portal.csr24.com/mvc/7817000) [Request a Quote](https://www.habermaninsurance.com/contact) [(413) 781-7000](tel:1-413-781-7000) [![Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White](https://www.habermaninsurance.com/hs-fs/hubfs/Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White.png?width=612&height=87&name=Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White.png "Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White")](https://www.habermaninsurance.com) Call Us: (413) 781-7000 ![resources-bg.jpg](https://dl.dropboxusercontent.com/s/d95wwpmpizyqgrd/blog-header.jpg "resources-bg.jpg") # Insurance Education ## Edward J. Adamczyk ## Recent Posts ## [National Safety Stand-Down to Prevent Falls in Construction – May 1-5, 2023](https://www.habermaninsurance.com/blog/national-safety-stand-down-to-prevent-falls-in-construction-may-1-5-2023) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Apr 28, 2023 1:58:10 PM [![](https://www.habermaninsurance.com/hubfs/Haberman-Insurance-Prevent-Falls-In-Consutrction-Featured-Image.jpg) ](https://www.habermaninsurance.com/blog/national-safety-stand-down-to-prevent-falls-in-construction-may-1-5-2023) This year marks the 10th anniversary of the [National Stand-Down to Prevent Falls in Construction](https://www.osha.gov/stop-falls-stand-down) campaign led by the Occupational Safety and Health Administration (OSHA). The Stand-Down is one of OSHA’s most successful safety awareness campaigns that reaches far beyond construction sites, bringing awareness to fall hazards and reinforcing safe work practices that help prevent fatalities and injuries related to falls. Topics: [Latest News](https://www.habermaninsurance.com/blog/topic/latest-news) [Continue Reading](https://www.habermaninsurance.com/blog/national-safety-stand-down-to-prevent-falls-in-construction-may-1-5-2023) ## [Office Closure for Systems Upgrade](https://www.habermaninsurance.com/blog/office-closure-for-systems-upgrade) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Mar 2, 2023 4:07:27 PM [![](https://www.habermaninsurance.com/hubfs/Haberman-and-Clark-Insurance-Office-Closure-for-Systems-Upgrade.jpg) ](https://www.habermaninsurance.com/blog/office-closure-for-systems-upgrade) Exciting updates coming to Clark Insurance / Haberman Insurance! We are making improvements to our computer equipment and systems for our 130 colleagues across New England. All changes are intended to provide even better resources and customer care for our clients. Topics: [Latest News](https://www.habermaninsurance.com/blog/topic/latest-news) [Continue Reading](https://www.habermaninsurance.com/blog/office-closure-for-systems-upgrade) ## [Marsh McLennan Agency Acquires Clark Insurance, Expands Presence in New England Region](https://www.habermaninsurance.com/blog/marsh-mclennan-agency-acquires-clark-insurance) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Jun 2, 2022 1:59:22 PM [![](https://www.habermaninsurance.com/hubfs/Haberman-Insurance-Default-Featured-Image.jpg) ](https://www.habermaninsurance.com/blog/marsh-mclennan-agency-acquires-clark-insurance) **(WHITE PLAINS, NY)** – Marsh McLennan Agency (MMA), a subsidiary of Marsh, today announced the acquisition of Clark Insurance, a leading independent agency in Maine. Terms of the acquisition were not disclosed. Founded in 1931, Clark Insurance is a full-service agency providing business insurance, employee health and benefits, and private client services to businesses and individuals across the region. Headquartered in Portland, Maine, Clark has five additional offices in Windham and Gorham, Maine; Manchester, New Hampshire; and Lowell, Massachusetts. Haberman Insurance, a full-service agency based in West Springfield, Massachusetts and acquired by Clark in 2021 is also part of the acquisition. All 135 employees will be joining MMA. Topics: [Press Release](https://www.habermaninsurance.com/blog/topic/press-release) [Continue Reading](https://www.habermaninsurance.com/blog/marsh-mclennan-agency-acquires-clark-insurance) ## [When Should My Establishment Purchase Event Insurance for a Special Festival?](https://www.habermaninsurance.com/blog/when-should-my-establishment-purchase-event-insurance-for-a-special-festival) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Apr 9, 2020 10:10:17 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/Event_Insurance_Blog2_HBI.png) ](https://www.habermaninsurance.com/blog/when-should-my-establishment-purchase-event-insurance-for-a-special-festival) An increasing number of bars, taverns and microbreweries in Massachusetts are hosting concerts, food truck rallies and other special festivals. [Event insurance](https://www.habermaninsurance.com/event-insurance-massachusetts) can help mitigate some of the risks that come with holding festivals like these, and establishments are often able to purchase a policy well in advance of their scheduled celebration. In fact, there are several advantages to getting a policy sooner rather than later. Topics: [Business Insurance](https://www.habermaninsurance.com/blog/topic/business-insurance) [Event Insurance](https://www.habermaninsurance.com/blog/topic/event-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/when-should-my-establishment-purchase-event-insurance-for-a-special-festival) ## [What Coverages Should Be Included in My Electrician Insurance Policy?](https://www.habermaninsurance.com/blog/what-coverages-should-be-included-in-my-electrician-insurance-policy) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Mar 1, 2020 12:00:00 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/Electician_Insurance_Blog1_HBI.png) ](https://www.habermaninsurance.com/blog/what-coverages-should-be-included-in-my-electrician-insurance-policy) The work that electricians and electrical contractors do exposes them to a range of risks, and they typically need several insurance coverages to protect against those risks. If you perform electrical work in Massachusetts, getting [electrician insurance](https://www.habermaninsurance.com/electrician-insurance-massachusetts) that includes the following coverages is probably a good idea. Topics: [Commercial Auto Insurance](https://www.habermaninsurance.com/blog/topic/commercial-auto-insurance) [Commercial Property Insurance](https://www.habermaninsurance.com/blog/topic/commercial-property-insurance) [General Liability Insurance](https://www.habermaninsurance.com/blog/topic/general-liability-insurance) [Business Insurance](https://www.habermaninsurance.com/blog/topic/business-insurance) [Electrician Insurance](https://www.habermaninsurance.com/blog/topic/electrician-insurance) [Commercial Liability Insurance](https://www.habermaninsurance.com/blog/topic/commercial-liability-insurance) [Errors and Omissions Insurance](https://www.habermaninsurance.com/blog/topic/errors-and-omissions-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/what-coverages-should-be-included-in-my-electrician-insurance-policy) ## [What Does My Condo Insurance Cover?](https://www.habermaninsurance.com/blog/what-does-my-condo-insurance-cover) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Feb 20, 2020 12:00:00 PM [![](https://www.habermaninsurance.com/hubfs/Condo_Insurance_Blog2_WRD.png) ](https://www.habermaninsurance.com/blog/what-does-my-condo-insurance-cover) Most [condo insurance policies](https://www.habermaninsurance.com/condo-insurance-massachusetts) offered by Massachusetts insurers contain multiple coverages that provide protection for different items and/or incidents. While policies’ exact coverages are determined by their specific terms, conditions and exclusions, here’s what protections you might expect to find in a condo policy. Topics: [Condo Insurance](https://www.habermaninsurance.com/blog/topic/condo-insurance) [Personal Insurance](https://www.habermaninsurance.com/blog/topic/personal-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/what-does-my-condo-insurance-cover) ## [When Should I Review My Car Insurance Policy?](https://www.habermaninsurance.com/blog/when-should-i-review-my-car-insurance-policy) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Jan 31, 2020 12:00:00 PM [![](https://www.habermaninsurance.com/hubfs/Car_Insurance_Body1_HBI_Blog.jpg) ](https://www.habermaninsurance.com/blog/when-should-i-review-my-car-insurance-policy) Conducting periodic reviews of your [car insurance policy](https://www.habermaninsurance.com/car-insurance-massachusetts) 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. Topics: [Car Insurance](https://www.habermaninsurance.com/blog/topic/car-insurance) [Personal Insurance](https://www.habermaninsurance.com/blog/topic/personal-insurance) [Auto Insurance](https://www.habermaninsurance.com/blog/topic/auto-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/when-should-i-review-my-car-insurance-policy) ## [How Can You Save on Boat Insurance?](https://www.habermaninsurance.com/blog/massachusetts-boat-insurance-savings) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Dec 13, 2019 10:16:00 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/Untitled%20design%20(1).png) ](https://www.habermaninsurance.com/blog/massachusetts-boat-insurance-savings) Most boaters in Massachusetts are able to get [boat insurance](https://www.habermaninsurance.com/boat-insurance-massachusetts) 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. Topics: [Boat Insurance](https://www.habermaninsurance.com/blog/topic/boat-insurance) [Personal Insurance](https://www.habermaninsurance.com/blog/topic/personal-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/massachusetts-boat-insurance-savings) ## [What Factors Affect Massachusetts Car Insurance Rates?](https://www.habermaninsurance.com/blog/what-factors-affect-massachusetts-car-insurance-rates) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Nov 1, 2019 10:19:00 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/Untitled%20design%20(3).png) ](https://www.habermaninsurance.com/blog/what-factors-affect-massachusetts-car-insurance-rates) There are many factors that impact how much drivers in Massachusetts pay for c[ar insurance](https://www.habermaninsurance.com/car-insurance-massachusetts). 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. Topics: [Car Insurance](https://www.habermaninsurance.com/blog/topic/car-insurance) [Life Insurance](https://www.habermaninsurance.com/blog/topic/life-insurance) [Personal Insurance](https://www.habermaninsurance.com/blog/topic/personal-insurance) [Health Insurance](https://www.habermaninsurance.com/blog/topic/health-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/what-factors-affect-massachusetts-car-insurance-rates) ## [Does Commercial Property Policy Provide Cyber Insurance Coverage?](https://www.habermaninsurance.com/blog/does-commercial-property-policy-provide-cyber-insurance-coverage) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Oct 10, 2019 10:19:00 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/Untitled%20design%20(11).png) ](https://www.habermaninsurance.com/blog/does-commercial-property-policy-provide-cyber-insurance-coverage) 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](https://www.habermaninsurance.com/commercial-property-insurance-massachusetts) usually provide Massachusetts businesses with -- and why most businesses should consider getting [cyber insurance](https://www.habermaninsurance.com/cyber-insurance-massachusetts). 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