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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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What Perils Does My Renters Insurance Cover?

By Edward J. Adamczyk on Nov 1, 2017 8:18:41 PM

Renters insurance offers Massachusetts residents who lease houses, townhomes and apartments with affordable coverage for their from a variety of perils. Here’s a look at perils that many renters policies protect against.

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Does My Personal Umbrella Policy Cover My Entire Family?

By Edward J. Adamczyk on Oct 10, 2017 4:52:45 PM

Personal umbrella insurance is a form of personal insurance, but it might better be called a type of family insurance. For, most personal umbrella policies offered by insurers in Massachusetts provide coverage for both the policyholder and their immediate family members. If you have a personal umbrella policy, here are some examples of incidents that family members might be in and your policy may cover. (Exact coverages can vary. Whether your policy would cover these particular incidents depends on its terms, conditions and limits.)

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5 Items to Look For When Buying Commercial Property Insurance

By Edward J. Adamczyk on Sep 11, 2017 6:06:02 PM

Commercial property insurance policies are complex documents that carefully detail precisely what protections they offer. While Massachusetts business owners should review all of a policy’s paperwork when purchasing a policy, there are a few particular items to pay special attention to. If you’re in the process of getting business property insurance for your business, make sure you carefully review these five items before purchasing a policy.

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What Discounts on Motorcycle Insurance Can I Qualify For?

By Edward J. Adamczyk on Aug 9, 2017 4:29:59 PM

Just as insurance companies offer drivers a number of potential discounts on their auto insurance, they also give motorcycle owners many potential discounts on their insurance policies. Here’s a look at just some of the discounts that Massachusetts insurers offer on motorcycle insurance. (Each insurance company has a slightly different list of discounts that it offers.)

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When Should I Contact My Insurance Agent About Life Insurance?

By Edward J. Adamczyk on Jul 21, 2017 7:12:00 AM

You’re, of course, welcome to ask your independent insurance agent about life insurance any time you’d like to. There are, however, a few particular times when you should make a point of talking with your Massachusetts agent about life coverage. Whenever you go through one of these significant changes, it’s probably a good idea to review your life policy.

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Should I Cancel My Seasonal Business’ Commercial Auto Insurance?

By Edward J. Adamczyk on Jul 17, 2017 4:58:33 PM

On the surface, canceling a seasonal business’ commercial auto insurance when the business’ season comes to a close may seem like a savvy financial move. If a seasonal business doesn’t need to use vehicles when it’s closed, why should it have to pay for commercial auto coverage? One may be led to believe that eliminating these premiums may help keep overhead low during the offseason.

Not insuring a seasonal business’ vehicles -- even if they aren’t in use -- can have two significant drawbacks, though. If you own a seasonal business in Massachusetts, here’s why you may not want to cancel its commercial auto policy when its season comes to an end.

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