Why use independent agent vs. a direct writer for your Insurance?
…ange in the future? If you want to preserve the option to change plans, or companies easily, an independent insurance agent is best. Do you like a lot of options when choosing an insurance plan? An independent agent provides many options. Choosing an insurance plan right for your needs is hard work. Make it easier by finding the right kind of agent for you. Unless you prefer limited choices and foresee little change in your needs, an independent i…
Cell phone ban in for commercial insurance drivers.
…with the second offense in 3 years. (120 days for each subsequent offense within 3 years) Only applies if violation occurred while driving a CMV. Additionally, states will suspend a driver’s commercial driver’s license (CDL) after two or more serious traffic violations. Commercial truck and bus companies that allow their drivers to use hand-held cell phones while driving will face a maximum penalty of $11,000. additional information For details,…
Alliance Main Street Members
…www.alliancemainst.com Canary Blomstrom Insurance Agency Colt Insurance Agency Dowd Insurance Agency Halstead Insurance Agency Herlihy Group Jubinville Insurance Agency Mackintire Insurance Agency Marsh Kemp Insurance Agency O’Connor & Company Insurance Agency, Inc. Smith Brothers McAndrews Insurance Agency Webber and Grinnell Insurance Agency Wheeler and Taylor Insurance Agency …
How to keep track of your belongings in case of a loss.
…g a claim easier — and helps you put your life back together. Why should I complete a home inventory? What’s the best way? Comparing the value of your belongings to the “contents” limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss. The easiest way to take an inventory is to use a video camera, recording and describing items as you walk throug…
Boating Safety Tips
…in 2011 happened on boats where the driver had not received boating safety training. Make sure anyone who drives your boat is properly trained. You also can save up to 15 percent on your boat policy by completing a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons. Wear Life Jackets It’s not enough to just have life jackets on board. You and your passengers must wear them. The U.S. Coast Guard reported in 2011 that drowning acco…
Does your home owners insurance cover earthquakes?
…imneys can occur. Entire walls can collapse, and interior structures can become severely compromised, requiring extensive rebuilding. Adjacent structures can become unstable and fall onto roofs and walls. Aftermath events such as tsunamis, fires or floods can create additional damage. Are Earthquakes Covered? Earthquakes are not covered under standard insurance policies. You must arrange for a special endorsement, to your Homeowners Policy, to cov…
Are you eligible for affordable flood insurance?
…n be answered and we welcome your phone calls at O’Connor & Co. Insurance. Feel free to call us with any questions at 508-943-3333. Does My Homeowners Policy Cover Flooding? Flood damage is not covered by homeowner’s insurance policies. You can protect your home, business, and belongings with flood insurance. You can insure your home for up to $250,000 for the building and up to $100,000 for the contents. Who Can Get Flood Insurance? Anyone can ge…
What is the best business insurance for a small business?
…olicy will lower your risk of losing the things you have worked so hard to obtain. At O’Connor & Company Insurance Agency, general liability packages do not come in the “one size fits all” variety. One business may have a higher risk of someone being injured while on the premises while another may be more concerned with risk associated with the use of their products and lawsuits that may result if someone is injured while using their product. The…
Are the Solar Panels on my roof covered by Home Insurance?
…severe weather, fire or vandals harm your equipment. You will also receive compensation if someone steals the panels. Extra Coverage If you’re worried about other natural disasters, talk to your agent about purchasing flood or earthquake insurance. Be sure to confirm that your specific company is willing to cover photovoltaic systems. Basic home insurance policies often include hail, thunderstorm and tornado coverage as well. Documentation …
Business Catastrophe Insurance
…ity coverage. Nevertheless, certain low-probability, high-cost events can easily exhaust the limits of your standard business liability policy. For example, a major fire, explosion, or superstorm can leave your facility and inventory in need of expensive repair and replacement – not to mention the lost income while you are rebuilding. Similarly, an unusually large claim against you in a lawsuit can not only exceed normal business liability poli…