--- title: Massachusetts Insurance Blog | Haberman Insurance Group (4) description: Our blog is the thought leader for everything that has to do with insurance in Massachusetts and beyond! (4) --- [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 ## [Will Your Boat Insurance Cover You Anywhere in Massachusetts?](https://www.habermaninsurance.com/blog/boat-insurance-massachusetts-statewide-coverage) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on May 19, 2017 11:07:51 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_486086128.jpg) ](https://www.habermaninsurance.com/blog/boat-insurance-massachusetts-statewide-coverage) Massachusetts has many waterways to explore by boat. The waters of Cape Cod and Nantucket, MA are legendary, and there also are a variety of inland lakes to enjoy as well. Before taking your boat on any of the state’s waterways, you should first check your [boat insurance](https://www.habermaninsurance.com/boat-insurance-massachusetts) policy to make sure it covers boating on the waters you intend to go out on. Topics: [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Boat Insurance](https://www.habermaninsurance.com/blog/topic/boat-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/boat-insurance-massachusetts-statewide-coverage) ## [Liquor Liability Insurance in Springfield, MA: Protect Company Events](https://www.habermaninsurance.com/blog/liquor-liability-insurance-springfield-ma-events) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Apr 9, 2017 5:32:53 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_466785812.jpg) ](https://www.habermaninsurance.com/blog/liquor-liability-insurance-springfield-ma-events) Throughout the year, many businesses in [Springfield, Massachusetts](https://www.habermaninsurance.com/insurance-springfield-ma) will host company events. Alcohol will likely be served at a number of these events, which presents potential liability risks. Before your business hosts an event where alcohol is served, make sure it’s protected from these risks by [liquor liability insurance.](https://www.habermaninsurance.com/liquor-liability-insurance-massachusetts) Topics: [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Springfield, MA](https://www.habermaninsurance.com/blog/topic/springfield-ma) [Liquor Liability Insurance](https://www.habermaninsurance.com/blog/topic/liquor-liability-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/liquor-liability-insurance-springfield-ma-events) ## [Uninsured Subcontractors Increase Your Workers Compensation Insurance](https://www.habermaninsurance.com/blog/workers-compensation-insurance-west-springfield-ma) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Apr 3, 2017 11:42:30 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_390030352.jpg) ](https://www.habermaninsurance.com/blog/workers-compensation-insurance-west-springfield-ma) Massachusetts generally requires employers who have employees to carry [workers compensation insurance](https://www.habermaninsurance.com/workers-compensation-insurance-massachusetts), but subcontractors fall into a gray area. Sometimes businesses need to provide workers comp insurance coverage for subcontractors, and other times they don’t. If a business has to provide coverage, its policies premiums typically increase -- and sometimes they increase unexpectedly. The easiest way to reduce the likelihood that hiring subcontractors increases your [West Springfield, MA](https://www.habermaninsurance.com/insurance-west-springfield-ma) business’ workers comp insurance premiums is to only hire subcontractors who have their own insurance coverage. Topics: [Workers Compensation Insurance](https://www.habermaninsurance.com/blog/topic/workers-compensation-insurance) [West Springfield, MA](https://www.habermaninsurance.com/blog/topic/west-springfield-ma) [Massachusetts Insurance](https://www.habermaninsurance.com/blog/topic/massachusetts-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/workers-compensation-insurance-west-springfield-ma) ## [7 Snowmobile Safety Tips to Keep You and Your Sled on the Trails](https://www.habermaninsurance.com/blog/7-snowmobile-safety-tips) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Mar 15, 2017 2:09:56 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_144640442.jpg) ](https://www.habermaninsurance.com/blog/7-snowmobile-safety-tips) For New England snowmobile enthusiasts, a fresh blanket of white is an invitation to get out and enjoy the winter. These powerful vehicles provide an exciting ride through a variety of terrains. However, they carry a risk for personal injury if you’re not careful. Following some basic safety tips can ensure a winter of safe and fun riding. Topics: [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Snowmobile Safety Tips](https://www.habermaninsurance.com/blog/topic/snowmobile-safety-tips) [Continue Reading](https://www.habermaninsurance.com/blog/7-snowmobile-safety-tips) ## [Very Common (and Highly Unfortunate) Reasons Why Computers Fail on You](https://www.habermaninsurance.com/blog/3-reasons-why-computers-fail) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Feb 23, 2017 9:16:46 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_565704238.jpg) ](https://www.habermaninsurance.com/blog/3-reasons-why-computers-fail) When your business relies on a computer system to function, a computer failure can be devastating. From lost time to lost data, the effects of a system failure can be far-reaching. Computer system failures can occur for a variety of reasons, many of which can be prevented to help save your business from the effects of a system failure. Topics: [Computer Failure](https://www.habermaninsurance.com/blog/topic/computer-failure) [Continue Reading](https://www.habermaninsurance.com/blog/3-reasons-why-computers-fail) ## [5 Incidents a Northampton, MA Business’ Cyber Insurance May Cover](https://www.habermaninsurance.com/blog/cyber-insurance-northampton-ma-incidents) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Feb 9, 2017 7:02:46 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_345228710.png) ](https://www.habermaninsurance.com/blog/cyber-insurance-northampton-ma-incidents) New stories of cyber attacks and data breaches have become a regular occurrence. While many nationally run stories focus on incidents involving major companies that have vast amounts of data, big companies are far from the only businesses that need to insure themselves against data breaches. Here are five potential incidents that show why small and medium businesses in Northampton, Massachusetts should consider getting a [cyber liability insurance policy](https://www.habermaninsurance.com/cyber-liability-insurance-massachusetts). Topics: [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Northampton, MA](https://www.habermaninsurance.com/blog/topic/northampton-ma) [Cyber Insurance](https://www.habermaninsurance.com/blog/topic/cyber-insurance) [Continue Reading](https://www.habermaninsurance.com/blog/cyber-insurance-northampton-ma-incidents) ## [Adding a Roommate to Your Renters Insurance in Springfield, MA? Think Twice](https://www.habermaninsurance.com/blog/renters-insurance-springfield-ma-roommate) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Jan 25, 2017 7:42:00 AM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_425364730-352544-edited.jpg) ](https://www.habermaninsurance.com/blog/renters-insurance-springfield-ma-roommate) Roommates in [Springfield, MA](https://www.habermaninsurance.com/insurance-springfield-ma) sometimes purchase [renters insurance](https://www.habermaninsurance.com/renters-insurance-massachusetts) together so they can split the premiums associated with the policy. Splitting premiums may seem to make sense, as it can save you a few dollars each month. Adding a roommate to your renters policy can expose you to more risk, though. Here’s why you may not want to add your roommate to your renters policy. Topics: [Renters Insurance](https://www.habermaninsurance.com/blog/topic/renters-insurance) [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Springfield, MA](https://www.habermaninsurance.com/blog/topic/springfield-ma) [Continue Reading](https://www.habermaninsurance.com/blog/renters-insurance-springfield-ma-roommate) ## [Buying a Home in Ludlow, MA? Get Homeowners Insurance Before You Close](https://www.habermaninsurance.com/blog/homeowners-insurance-ludlow-before-close) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Jan 9, 2017 5:47:42 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_518937652%20(1).jpg) ](https://www.habermaninsurance.com/blog/homeowners-insurance-ludlow-before-close) When purchasing a house, there are many different items to take care of. After placing an offer on a house, most homeowners have to qualify for a mortgage and want a home inspection completed. Most homebuyers also need to have a title check done and negotiate with the seller if they provide a counter offer. It’s also usually necessary to obtain homeowners insurance. If you’re buying a house in Ludlow, Massachusetts, here's why you’ll want to shop around for a home insurance policy before your closing date. Topics: [Homeowners Insurance](https://www.habermaninsurance.com/blog/topic/homeowners-insurance) [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Ludlow, MA](https://www.habermaninsurance.com/blog/topic/ludlow-ma) [Continue Reading](https://www.habermaninsurance.com/blog/homeowners-insurance-ludlow-before-close) ## [3 Holiday Mishaps Your Easthampton Homeowners Insurance Might Cover](https://www.habermaninsurance.com/blog/homeowners-insurance-easthampton-holiday-cover) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Dec 19, 2016 8:12:58 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_526163554.jpg) ](https://www.habermaninsurance.com/blog/homeowners-insurance-easthampton-holiday-cover) The holidays are a time full of fun and festivities. The added activities of the season sometimes lead to an increase in accidents, though. Thankfully, homeowners insurance policies don’t take the holiday season off. As long as their premiums are paid, their coverages remain in effect -- and those coverages provide protection for many potential accidents. If you have an [Easthampton](https://www.habermaninsurance.com/easthampton-insurance) house and it’s properly insured, here are three holiday mishaps that your home insurance policy might cover. Topics: [Homeowners Insurance](https://www.habermaninsurance.com/blog/topic/homeowners-insurance) [Easthampton](https://www.habermaninsurance.com/blog/topic/easthampton) [Massachusetts](https://www.habermaninsurance.com/blog/topic/massachusetts) [Continue Reading](https://www.habermaninsurance.com/blog/homeowners-insurance-easthampton-holiday-cover) ## [Understanding Your Springfield Commercial Property Insurance Policy](https://www.habermaninsurance.com/blog/commercial-property-insurance-springfield-ma) By [Edward J. Adamczyk](https://www.habermaninsurance.com/blog/author/edward-j-adamczyk) on Dec 9, 2016 6:48:24 PM [![](https://www.habermaninsurance.com/hubfs/Blog_Photos/shutterstock_115275094-894711-edited.jpg) ](https://www.habermaninsurance.com/blog/commercial-property-insurance-springfield-ma) Some corporations spend hundreds of thousands, if not millions, of dollars on commercial property. After spending so much money on commercial property, many corporations are willing to do anything in their power to protect their investments. Unsurprisingly, [commercial property insurance](https://www.habermaninsurance.com/commercial-property-insurance-massachusetts) is an incredibly popular option among corporations in [Springfield](https://www.habermaninsurance.com/insurance-springfield-ma) that cannot afford a commercial property loss. If you recently purchased insurance for your commercial property, here is some information that will help you understand your policy. 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