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A Case In Point: Risks of Using Online Insurance Providers


auto insuranceOne online insurance provider loves to tell you to “name your own price”.

Another claims that you can save “15% or more” if you take 15 minutes to have them quote your insurance.

Sure, everyone wants to save money whenever it’s possible. But a lack of knowledge of the complex variables involved in purchasing insurance for your car or home can have you paying more…and getting less. Here’s a recent example we encountered:

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Pokemon Go—Don’t Ignore Real World Playing Augmented Reality Game


169Pokemon Go, the new, hugely popular augmented reality game (In the first week after it was released it had 7.5 MILLION downloads) lets players ‘capture’ digital creatures as they move around real locations using their smartphones. And in an age when too many people…young and old…have become sedentary, tied to their phones and tablets, this game has the wonderfully positive potential of getting them outside, active, and potentially more social as they interact with other players.

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Ransomware—Reaching Epidemic Levels


padcryptSecurity experts are predicting that ransomware is going to become an even bigger problem than it is now. Kaspersky Labs — a leading antivirus and Internet security software provider —says it is so widespread already that it could easily be called epidemic. Their recent study supports that: Read the rest of this entry »

MA Low Plate Lottery: Apply NOW (You can apply ONLINE!)


RMV-License-Plate-Lottery-2014-300x150If you always wished you could have one of those low license plate numbers you occasionally see on our highways, now is the time to apply for one in MA. This year’s low plate lottery will run until August 26, 2016. And while your chances of getting one aren’t necessarily great, the odds are much better than winning Mega Millions or Powerball! (Approximately 6,800 applications are entered for the lottery every year and because this year they are making it easy to apply online this year, they anticipate the number of applications will increase. There are 183 plates available.) Read the rest of this entry »

If You See Something, Say Something – More than a Slogan


See-Something-Say-Something-GraphicYou’ve likely seen the message on electronic signs on our local highways lately. “If You See Something, Say Something.” It’s been an important message of Homeland Security, state Emergency Management, and law enforcement agencies since 2010. So as we approach our big July 4th holiday weekend, we thought it would be a good idea to elaborate on just what it means.

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Take Steps to Ensure a Safe and Secure Summer!


Summer arrived this week. And for many of us, that means the kids are home, we’re planning getaway vacations, and lots of outdoor activities—often away from our homes—fill our schedules. That’s probably why the months of July and August are the top months for burglaries. And visits to emergency rooms spike 15% to 20% during the summer (pool accidents, sun burns, food poisoning, broken bones, etc.) So we decided that a quick overview of safety and common sense tips and any related insurance issues would help our readers increase the likelihood of a safe and secure summer.

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Employment Practices Liability Insurance – A “Must Have” for Business Owners


Over the last 20 years, employee lawsuits have risen roughly 400%, with wrongful termination suits jumping up more than 260%. That’s what makes the fact* that only 23% of companies with fewer than 100 employees purchase Employment Practices Liability Insurance (EPLI); that number is 34% for companies with 500-700 employees and 40% for businesses that employ over 1,000 people.


Consider the risk:

  • 41.5% of employee lawsuits are brought against companies with fewer than 100 employees
  • The average cost of settling out of court: $75,000
  • The average jury award: $217,000 if you go to court and lose
  • Resolution can take 18 to 24 months

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Employee Training: Cyber Security


Cyber SecurityWe’ve seen all sorts of statistics regarding the percentage of data breaches that can be traced back to employees—either as a result of simple human error and malicious intent. Some cite employee error as the #1 factor for breaches; others place it as low as 2% of all breaches. (It all depended on the study and the source.) Still, common sense dictates that employees accessing your database and working with email, Internet connections, and mobile devices are a risk factor. And it’s important to do what you can to mitigate the risk, i.e. train your employees about their responsibilities and accountabilities when using a computer on a business network.

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Hurricane Deductibles



Welcome to the 2016 hurricane season. While most of us here in New England think of hurricane season as occurring from late summer through the fall, the season actually starts June 1. And this year, it’s off to a particularly early start with Alex and Bonnie already having made their appearances in the Atlantic.


The names for 2016 storms are:

Alex (Jan. 2016), Bonnie (May, 2016), Colin, Danielle, Earl, Fiona, Gaston, Hermine, Igor, Julia, Karl, Lisa, Matthew, Nicole, Otto, Paula, Richard, Shary, Tobias, Virginie, Walter Read the rest of this entry »

Tick Season…and the Things You Might Not Know!


It certainly was nice to have a mild winter (after the absolutely horrible one in 2014/15), but as a result, 2016 is unfortunately projected to be a particularly bad season for ticks.


And most of us probably think we know everything we need to about ticks. But if your knowledge is limited to deer ticks potentially carry Lyme disease, we’d like to suggest you to read on a little further. Because in Massachusetts the CDC cites that there are four different tick types that can transmit disease:

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