Insights
Why You Need Inland Marine Insurance for Your Cargo’s Journey
If you thought that inland marine insurance is the policy equivalent of marine insurance, you’re not alone; these terms can often get confused with one another. While they share a common lineage in their names, their individual purposes and applications diverge significantly. Marine insurance is rooted in safeguarding goods during ocean transport;...
4 REASONS TO ADDRESS ICE DAMS BEFORE TEMPERATURES DROP
While ice dams are an issue that crops up when the weather gets cold and wet, that is not the ideal time to deal with them. You can do better by preventing the issue before it ever happens instead of playing catch up when you already have ice dams on your home. A few of the reasons to address ice dams now: Prevention is better than fixing after...
NANCY FLEK RETIRING AFTER 19 YEARS
After 19 years of dedicated and loyal service, Nancy Flek will be retiring on September 9, 2016. Nancy has been QSR’s beloved receptionist since September of 1997. Over the years, she has truly enjoyed the daily contact with our Agents and Carriers. Nancy prides herself in having provided prompt, courteous, and professional service to all of...
ARE YOU PREPARED FOR THESE 5 HIDDEN BACK-TO-SCHOOL INSURANCE RISKS?
The change of seasons means that it’s time for students, both young and old, to head back to school. As a result, your clients will be facing risks that are not an issue at other times of the year. Make sure that you and they are prepared for higher insurance risks in these five areas: Car accident risk from young drivers. A regular commute to...
5 WAYS TO MITIGATE BUSINESS PROPERTY RISKS
Do you know which risks are most prevalent in the area where you own property? Which losses are the most likely to occur and which will cost the most? By assessing your business property’s specific risks and working to mitigate them in advance, you can reduce the chances of a loss. Here are a few ways to take care of some of your most common...
ROOFING IS A RISKY JOB! 4 TIPS FOR PROTECTING COMMERCIAL ROOFERS
The New England construction season is in full swing and that means lots of people on rooftops installing new roofs or making repairs. To comply with your insurance requirements and more importantly to keep your workers safe, keep these roofing safety tips in mind: Check the area for hazards. Point out all power lines above and keep workers clear...
THE EFFECTS OF THE JUSTICE DEPARTMENT’S “YATES MEMO” ON D&O COVERAGE
The memorandum “Individual Accountability for Corporate Wrongdoing,” reinforces the Justice Department’s commitment to targeting individual corporate executives when there is corporate wrongdoing. Because of this, the memo, colloquially known as the “Yates Memo” will likely have ripples that touch Director & Officers insurance coverage. A few...
PREPARING YOUR RESTAURANT OR HOTEL/MOTEL FOR TOURIST SEASON? 3 RISKS TO CONSIDER.
Tourists flock to New England when the weather warms up. To be prepared, you need to find sufficient staff, get your property ready, and make sure you have the right General Liability, Property and Liquor Liability policies in place to protect your business. To ensure that you are meeting the requirements of your insurance and safeguarding your...
3 TIPS TO PROTECT YOUR ENVIRONMENTAL CONTRACTORS FROM SITE POLLUTION EXPOSURES
The New England construction season is heading into high gear as the weather gets warmer. In construction, sometimes it is impossible to completely avoid working with polluting materials. To keep your crew safe, take precautions to protect them from exposure to dangerous site pollutants. Make sure workers are well-trained. Every time a new worker...
‘TIS THE SEASON FOR RENTALS! 5 TIPS YOU SHOULD KNOW BEFORE LISTING YOUR PROPERTY ON A VACATION RENTALS SITE
If you have a spare room or plan to spend some time traveling this summer, you may be tempted to list your home or apartment on a site like AirBnb or HomeAway. After all, New England is gorgeous this time of year, and who couldn’t use a bit of extra cash for spaces you aren’t currently using? But, before you post an ad, there are a few things you...
4 REASONS NON-PROFIT BUSINESSES NEED JUST AS MUCH OR MORE CYBER COVERAGE
Cyber insurance is still a new idea to many organizations. But, data breaches are becoming more popular and the consequences of them more severe. As a non-profit, you may feel that you do not have the same risks as a for-profit company. However, there are many reasons that your organization can be vulnerable and why it can be just as or more...
4 TIPS YOU SHOULD KNOW BEFORE STARTING A HOME RENOVATION OR ADDITION PROJECT
Is it time for your New England home to get a face-lift? A home renovation takes a lot of planning and trust to come out right. Keep these tips in mind to make your renovation go smoothly and to end up with results that you want. Get multiple quotes. Before you hire a contractor, it’s important to see what others in the area want for the job. You...
3 MERGERS AND ACQUISITIONS AFFECTING THE EXCESS AND SURPLUS LINES MARKETPLACE
This is proving to be a turbulent year for the excess and surplus lines marketplace. Price pressures, low asset yields and diminishing favorable loss reserve developments have weakened profitability. There has also been some churn in the industry, with mergers and acquisitions shaking things up in the marketplace. A few important changes: The...
ARE YOU PROTECTING YOUR BUSINESS PROPERTY FROM HURRICANES? 4 STEPS YOU SHOULD BE TAKING THIS SPRING.
It feels like we just got rid of the cold New England winter, but, coastal property owners should already be looking forward and preparing for hurricane season. The Atlantic hurricane season officially runs from July 1st to November 30th. However, major storms can occur outside of these days and put your New England business at risk. To make sure...
5 SEASONAL RISKS CONTRACTORS SHOULD BEWARE OF THIS SPRING
Just like other New Englanders, contractors welcome spring’s relief from cold, wet and snowy conditions. But, there are a number of risks that need to be on your mind as the season changes to keep your workers safe and your insurance costs low. Before heading out into pleasant spring weather to do a job, check out our safety tips and spring...
TIPS TO USE YOUR HEAT EFFECTIVELY THIS WINTER
Winter heating costs can take a bite out of your budget in New England. Even with this year’s lower energy prices, the Department of Energy still estimates that the average household could shell out as much as $2,500 or more to keep warm over the colder months. Doing what you can to use your heating system efficiently can help you stay...
ICE DAM MYTHS YOU SHOULD IGNORE
Ice dams prevent melting snow from draining from your roof. This can cause serious damage to your insulation, ceilings and walls if the melted water seeps inside. This winter’s heavy snowstorms mixed with our chilly New England winters can cause these to develop. You can protect yourself against potential damage, but only if you understand what...