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Are you responsible for another person’s injuries if they happen on your property? Initially, you may believe the answer is yes. But, there are some limitations. If a trespasser enters your property, you still have some responsibility for providing a safe space. READ MORE >>

When an accident occurs, do the right thing. Report it. Call the police to get an official statement over what happened on record. Be sure to file a police report. Then, call your auto insurance agent. The fact is, if you do not report it, chances are they will learn about it anyway. READ MORE >>

  Do you want to find a way to potentially reduce your home insurance costs? One way to do so may be with a new home security system. Adding security means reducing risks, and home insurance companies often value this. A home that is safe is one less likely to see numerous claims for vandalism and break-ins. READ MORE >>

  Starting a new business means fantastic new opportunities. For many people in Western Massachusetts who love pets, providing pet sitting and grooming services is a great way to build a business. But, what type of business insurance do startup pet groomers and pet sitters need? READ MORE >>

  Your parents are getting older. You worry they may not be as skilled behind the wheel like they used to be. In situations like this, many people in Western Massachusetts want to know what to do. And, how do you know when your senior loved one is no longer safe behind the wheel? READ MORE >>

Are you a business owner? Every year, plan a meeting with your business insurance agent. Discuss the types of risks your company faces, their changes, and any claims. Then, upgrade your liability insurance. Though not always necessary, an annual review is critical to know what your risks are. READ MORE >>

Owning a vehicle is a big responsibility. Even if you never take it out onto the road, it tends to be a good decision to maintain proper auto insurance on it. This can help protect your investment. However, the laws on this differ from one state to the next. A vehicle not on the road may not legally have to have coverage. READ MORE >>

Does your home insurance agent need to know if you have an ill loved one? Most often, they do not need this information. However, they do need to know if the home is vacant. A vacant home is a high risk to insurers. If the home’s owner cannot live there for some time, you may see your insurance drop off. READ MORE >>

Business insurance provides financial protection from losses you cannot control. This includes vandalism to your landscape in many cases. However, there are limitations to how much coverage you have as well as when this type of coverage applies. If you are unsure about any type of incident, contact your agent. READ MORE >>

Home insurance is one of the best tools to help you when accidents happen. But it does not always cover losses related to wear and tear. Your windows need routine care to minimize risks to them over time. And, sometimes, the water damage created by your windows can be significant. READ MORE >>

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