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What if My Business Doesn't Have Workers Compensation Insurance?

Businesses in Massachusetts that have employees are generally required to carry workers compensation insurance. If you run a business in Montgomery, MA that is supposed to offer employees coverage but doesn’t, here are some of the potential consequences your business could face.

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Make Sure to Check Your Contractors Insurance Before Working Pro Bono

Most people enjoy helping charities, especially when they’re asked to utilize specialized skills they have. Before performing any free work for a charity in or around Tolland, MA, however, contractors in the area should first review their contractors insurance policy.

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Why (and How) to Regularly Check Your Small Business Insurance

When starting up a business, it’s important to purchase insurance. The insurance protections that a business needs when starting out, however, won’t necessarily be sufficient in the future. As a business grows, it’s insurance needs change. If you own a business in Agawam, MA, review its small business insurance policies periodically so that your business is properly protected even if its needs change.

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Does My Homeowners Insurance Cover Me If I Rent Out My Home?

Short-term rentals give homeowners a relatively easy way to generate extra income, and they’re becoming more and more popular thanks to home-sharing sites that connect homeowners and guests from around the world. Before renting out your Montgomery, Massachusetts home for a weekend or week, though, first check your homeowners insurance policy. Without the proper coverage, a short-term rental could cost you if something goes wrong.

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Attention Rideshare Drivers: You May Need Special Car Insurance to Operate

Ridesharing has become increasingly popular in recent years, and many drivers find that offering rideshares is an easy, flexible way to earn some extra cash. Before offering rideshares around Agawam, MA, though, drivers should first check their car insurance policies. Without proper coverage, a rideshare could end up costing a driver if there’s an accident.

 

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Protect Data: Add Cyber Liability to Your Restaurant Insurance Policy

Partnering with third-party reservation systems can help restaurants in and around Huntington, MA attract more customers, as these systems increase online visibility and make it easy for patrons to schedule a reservation. Before accepting third-party online reservations, though, restaurants should first make sure their restaurant insurance includes cyber liability coverage. Without this coverage, online reservations could end up costing an establishment more than they bring in.

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What is Employment Practices Liability Insurance?

In the United States, we have laws and regulations that protect citizens and residents from discrimination based on sex, race, age, disability, as well as other characteristics. One aspect of life in which these laws are very relevant is employment. Accordingly, employers have a legal and moral obligation to protect their employees from wrongful discrimination, harassment, termination, and other issues related to employment. Those who fail to fulfill these obligations may face employment lawsuits from employees. If you're in need of coverage for such lawsuits, here is some information about employment practices liability insurance for Westfield, MA businesses.

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How Agawam Businesses Can Save Money On Workers Compensation Insurance

One of the many factors that influence your company’s workers compensation insurance rates is how expensive a claim might be for your company’s insurer. A return-to-work program may be able to help reduce the potential cost of a workers compensation claim and, as a result, help your Agawam, Massachusetts company get lower workers compensation rates.

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Save Money: Deduct Your Huntington Commercial Auto Insurance Premiums

Many jobs require driving on a regular basis, and some of these positions require employees to pay their own commercial auto insurance premiums. While some companies may reimburse employees for this expense, others don’t. If you regularly drive around Huntington, Massachusetts for work and pay your own commercial auto premiums, you might be able to deduct the amount you pay from your taxes.

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Why Your Southampton Business Needs Cyber Insurance to be Protected

In today’s world where so much business is conducted over the internet, companies can ill-afford to not insure their computers. Simply having commercial property insurance that includes computer coverage, however, isn’t enough. In addition to this coverage, most businesses in Southampton, Massachusetts should also have cyber insurance.

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General Liability Insurance Can Protect Your Chester Business From Lawsuits

General liability insurance is largely designed to protect businesses from lawsuits. A policy may pay both the legal fees and settlement associated with a lawsuit, assuming the circumstances surrounding the suit meet the policy’s coverage requirements. While general liability policies have terms and conditions that govern the suits they’ll cover, most policies cover multiple types of suits. If you own a business in Chester, Massachusetts here are some of the suits that you may want to protect your business from with a general liability policy.

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Is a Homeowners Insurance Policy Right for a Duplex in Chester, MA?

Insuring a duplex is a little more complicated than insuring either your home or a rental property. If you own a duplex in Chester, Massachusetts, whether you need landlords or homeowners insurance will depend on the particulars of your situation. Here are four common scenarios, and the type of insurance that’s usually appropriate for each scenario. (There are exceptions to the insurance guidelines listed below, so you should check with an insurance agent to see what your specific situation calls for).

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Workers Compensation Insurance in Westfield: You Want Claims

Most businesses in Massachusetts that have employees also have workers compensation insurance, and employees usually file claims against their employer’s workers compensation policy if they’re ever injured while working. There is, however, a reason why an injured employee might decline to file a claim. If one of your employees decides not to file a claim, it may not be good news for your Westfield business.

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Your Russell Homeowners Insurance Lapsed? Contact Your Mortgage Company

Mortgage underwriters usually require homeowners to maintain a homeowners insurance policy.  Sometimes, however, homeowners let their insurance coverage lapse. If you’ve let the homeowners policy that insures your Russell, MA home lapse, your mortgage company may have gone ahead and purchased insurance for your house without you realizing they did so.

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2 Questions to Ask Your Otis Homeowners Insurance Agent

When comparing quotes on homeowners insurance, most of the time is usually spent examining coverages, checking limits, reading through conditions and looking up premiums. If you're searching for a new homeowner policy, many of the discussions you have with your insurance agent will be related to these items, and they should be. After all, your policy’s coverages, limits and conditions determine how well you’re protected, and its premiums are how much you pay. These items, however, aren’t all you should ask your Otis insurance agent about when looking for a homeowners policy. Here are two other questions that you ought to ask before selecting a homeowners policy.

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Why A Business Owners Policy is Ideal for Huntington Small Businesses

Business owners policies are insurance packages that combine several different policies to offer businesses a number of protections. While a business owners policy isn’t right for every company, many small businesses in Huntington, Massachusetts would benefit from having one.

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Does Your Homeowners Insurance Policy Fully Cover Your Granville Home?

One of the main coverages that homeowners insurance policies provide is coverage for the policyholder’s house. If you’re a homeowner, your homeowners policy should provide enough coverage to let you rebuild your entire house. Some homeowners in Granville, Massachusetts, however, have policies with limits that are lower than the price it would cost to rebuild their home.

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Is Homeowners Insurance Needed If I Don't Have a Mortgage in Huntington?

Undoubtedly, the goal of many homeowners in Huntington is to pay off their home once and for all. Once you have fully paid off a home, not only do you not have to worry about the threat of foreclosure in the event financial disaster strikes, but you also won't have to spend a few hundred or thousand dollars every month on a mortgage. Now that you don't have a mortgage, you may be looking for more ways to cut costs. Here is some information about whether you need homeowners insurance if you don't have a mortgage.

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What Happens When You Make a Homeowners Insurance Claim in Southampton?

Making and processing a homeowners insurance claim might seem stressful and time consuming, especially if there is major damage to your home, but it can actually be broken down into a few basic steps. For homeowners in Southampton, MA, state and federal law make the process relatively straightforward, depending on your coverage limits and the specific details of your policy.

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Homeowners Insurance in Westfield: How To Document Your Belongings

Insurance companies often do everything they can to make the process of filing a claim as simple as possible for homeowners. They are not the only party that can make an insurance claim easier to file, though. Homeowners can also take steps to make filing a claim simpler and easier. If you own a home in Westfield, Massachusetts, you can document what’s in it so that a list of your possessions is available if you ever need to file a claim against your homeowners insurance. Doing this is relatively easy.

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