Why you need an Umbrella Policy for Personal Insurance
…a policy, lawsuit plaintiffs awarded a judgment against you can rightfully come after your Home and other assets. Along with having your income garnished, they could also lay claim to your cars, boats, and any other valuable. An umbrella policy keeps those assets intact and protects them from being seized in a lawsuit. Applicability Umbrella policies are available to anyone and everyone. While once a resource reserved primarily for business owners…
The importance for property owners to hire only insured contractors.
…ire a different contractor to complete the work. A contractor’s failure to comply with Workers Compensation requirements or other legal responsibilities, while working on your property, can have devastating implications for you as a property owner. Remember, ignorance of the law is not a viable legal defense and it is always the property owners responsibility to verify that the people hired are working within the law. O’Connor & Co. can provide yo…
Mulit-family, duplex or a three decker insurance information
…multi-family, duplex owner-occupied, or triple-decker insurance. Rental Income Loss Coverage Lastly, carefully consider the financial impact of losing rental income because of a fire or other loss. Your policy will pay to have repairs made, but it’s also strongly suggested to include insurance to recoup rental income loss. Each multi-family property poses its own unique insurance needs. Seek the help of a qualified and experience agent to ensure…
What to do in case of an auto accident
…ail, flood, malicious mischief and contact with birds or animals. Although comprehensive coverage does come with a deductible, there is no deductible on glass replacements or repairs. Substitute Transportation: An optional coverage that reimburses you up to the limits shown on your policy’s declaration page. Substitute transportation provides coverage for certain situations if your vehicle was involved in a collision and is being repaired or repla…
Various Insurance Discounts Available
…ou could get up to 10% Account Credit when you purchase a Business owners, Commercial Auto, Commercial Package, Commercial Umbrella, Dwelling Fire, Homeowners or Personal Umbrella policy from one of our providers. You may get up to 6% account credit when you purchase a Condominium or Renter(s) policy from certain providers. E-Customer Discount: Up to 7% when you qualify for an Account Credit and select combined account billing with electronic poli…
Realtor Errors and Omission
…nt real estate agents should have adequate E&O coverage, as mistakes or miscommunications can easily occur during complex real estate transactions. Realtor E&O coverage can also help if a customer attempts to blame a realtor for an unsatisfying home sale; a buyer could allege that flaws in a property were not disclosed, for instance, while a seller could claim that the sale price was too low. Even groundless lawsuits must be defended against and t…
Prioritizing your health and wellbeing in the wake of anxiety and fear over concerns about Coronavirus Covid-19.
…act business with us. You can chat with us on-line at oconnorinsurance24-7.com / you can email us and a complete listing of our email addresses are also available on-line. You can give us a call at 508-943-3333. Claims can be taken on-line or over the phone. Payments can be made on line and a complete listing of each carriers billing department is located on our web site as well . We can all help each other in this time of anxious uncertainty with…
How to prevent frozen pipes and how to thaw them.
…Cross suggests tips on how to prevent freezing and what to do if pipes do freeze. Why Pipe Freezing is a Problem Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the «strength» of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are those that are exposed to severe cold, like outdoo…
Backyard safety concerns for your loved ones.
…ard to install your playset or swimming pool, ensure you call your utility companies to have lines marked. Failure to do so can result in damage to electric, sewer, internet, cable, and other lines, and can come with heavy fines and extensive damage to structures. It is also advisable to visit your local city hall to determine if any variances are needed to construct play structures in your backyard. If you have a homeowner’s association, they’ll…
Tornado – Disaster Preparation Kit
…ous, so please have an adult collect these supplies. – Emergency reference materials such as a first aid book or a print out of the information on www.ready.gov – Rain gear – Mess kits, paper cups, plates and plastic utensils – Cash or traveler’s checks, change – Paper towels – Fire Extinguisher – Tent – Compass – Matches in a waterproof container* – Signal flare* – Paper, pencil – Personal hygiene items including feminine supplies – Disinfectant*…