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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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4 Simple Benefits of Purchasing a Massachusetts Business Owners Policy

By Edward J. Adamczyk on Jul 6, 2017 5:27:20 PM

Independent insurance agents frequently recommend business owners policies to small businesses in Massachusetts that have typical insurance needs. They often suggest these policies because the policies are designed to meet small business’ insurance needs -- and because the policies offer several benefits. Here are four benefits that a business owners policy will likely provide.

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How Much Business Interruption Insurance Does My Business Need?

By Edward J. Adamczyk on Jun 30, 2017 3:51:06 PM

As is the case with most kinds of insurance, there isn’t one amount of business interruption insurance that’s right for every business. How much coverage your Massachusetts business ought to carry depends on its risk exposure, financial position, and operations. Here’s a look at the different protections available that your business might want.

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Will Condo Insurance Cover Your Massachusetts Condominium While You're Away?

By Edward J. Adamczyk on Jun 2, 2017 11:50:45 AM

There are many preparations to make when going on a trip. In addition to packing, making travel arrangements, finding lodging and planning activities, it’s also important to check your condo insurance policy if you own a condominium in Massachusetts. You’ll want to make sure your condominium continues to be insured while you’re gone.

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Your Massachusetts Car Insurance Premiums are Increasing. But Why?

By Edward J. Adamczyk on May 31, 2017 3:30:45 PM

Drivers across Massachusetts are getting an unhappy surprise: auto insurance rates are on the rise again, affecting even drivers with no recent accidents. With rates rising between 6 and 9 percent in 2016, they’re set to go up another 3-6% in 2017 (according to the Boston Globe), making many drivers question why. The answer comes down to one thing: technology.

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Uninsured Subcontractors Increase Your Workers Compensation Insurance

By Edward J. Adamczyk on Apr 3, 2017 11:42:30 AM

Massachusetts generally requires employers who have employees to carry workers compensation insurance, 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 business’ workers comp insurance premiums is to only hire subcontractors who have their own insurance coverage.

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