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Do I Need Boat Insurance for My Small Boat?

Many insurance companies in Massachusetts offer boat insurance policies, which are similar to auto policies that have been adapted for personal watercraft and boats. Whether residents who own small boats need one of these boat-specific policies depends on several factors, not the least of which is what protections their other insurance policies provide. It’s often wise to get a boat policy even if the watercraft being insured is small, but there are a few scenarios where this type of insurance may be unnecessary.

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Celebrating 350th Birthday of Westfield, MA With a Fresh Coat of Paint

  • Roger Butler Jr.
  • Sep 13, 2018 11:13:24 AM

We are gearing up for a special upcoming year! 2019 marks the 350th birthday for our awesome town of Westfield, MA and also the 70th anniversary for our office location in the historic Morgan Building!

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Do Motorcycle Insurance Policies Cover Helmets and Gear?

After purchasing a motorcycle, riders must also invest in a significant amount of gear. The price of helmets (which are required in Massachusetts), jackets, gloves and other equipment can total at least several hundred dollars, and it sometimes is more than $1,000. Here’s a look at whether motorcycle insurance will cover the cost of replacing gear that was damaged in an accident, which is far from a small consideration.

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What Kinds of Professional Liability Insurance Does My Business Need?

Professional liability insurance policies generally help protect professionals from covered liability claims that are related to the work they do. Since professionals are involved in various lines of work and exposed to different risks, insurers offer a number of professional liability policies. Here are some of the professional liability policies that Massachusetts insurers offer. Which is right for you will depend on the line of work you’re involved in.

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What Types of Incidents Can Liquor Liability Insurance Protect My Business From?

Liquor liability insurance helps protect Massachusetts businesses that serve alcohol from a variety of potential incidents. While the exact incidents that a policy covers depends on its terms, conditions and exclusions, there are several incidents that most policies provide at least some coverage for. Here are five different types of incidents that liquor liability coverage may help protect your business from.

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What Businesses Need Inland Marine Insurance?

Inland marine insurance generally helps businesses protect items that are being transported between two locations. While this may seem like a fairly narrow form of insurance, a surprising number of businesses may benefit from having inland marine coverage. Here are some businesses in Massachusetts that might want to consider getting an inland marine policy.

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Roger Butler Insurance is Sponsoring Arbella's Distractology Program

Worried about your teen's driving habits? 

Westfield Technical Academy is proud to be hosting the Arbella Insurance Foundation’s Distractology program! The free program offers refreshed video simulations of real-life driving scenarios and teaches new drivers the dangers of driving distractions, including texting behind the wheel.

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How to Reduce the Risk of a General Liability Insurance Claim: 4 Steps

General liability insurance policies offer financial protection from a host of potential liability risks, but policies themselves do little to actually prevent accidents from happening. If you run a business in Massachusetts, here are some steps your business can take to reduce the risk of potential accidents -- and the likelihood that it has to file a claim against its general liability coverage.

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Be Sure Your Condo Insurance Provides These 5 Coverages!

Condominium insurance policies offer a number of important protections. The specific protections that a particular policy offers, however, depend on the coverages it contains. If you own a condominium in Westfield, Massachusetts, here are five coverages you may want in your condo insurance policy.

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Dispelling 3 Myths About Flood Insurance for Westfield, MA Residents

Flood insurance is an important insurance protection that doesn’t receive as much attention as other types of insurance, like homeowners and auto insurance. Because flood policies aren’t discussed as frequently, myths about flood coverage sometimes develop. Here are three common myths about flood policies dispelled for Westfield, MA residents:

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Include Proof of Contractors Insurance to Get More Jobs

Contracting businesses often either thrive or die on the quotes that they give potential customers. For, it’s on these bids that people decide which contracting business to hire. Most of the time, quotes include information about the nature, cost, and timeframe of a project -- but this may not be all that a contracting business may want to include in its bids. If you run a contracting business in Massachusetts, here’s how also including proof of your company’s contractors insurance could help set your business apart from competitors.

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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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