LiveZilla Live Chat Software
Get a Quote
Policy Services
Follow Us!

The Decision to Return to Play After a Head Injury


concussion-symptomsThe issues surrounding concussion have been in the news a lot in recent years—with good reason. It’s no longer OK for athletes to tough it out and stay in the game after a head injury because returning to play too soon can have major long-term impact on the athlete’s health.

(Evidence of this recognition: the NFL has a new rule that concussion spotters in the press box can stop the game and remove a player showing signs of concussion.)


Dr. William Mullally, Clinical Director of the Sports Neurology and Concussion Clinic at Brigham and Women’s/Mass General Health Center, and his colleagues developed a five-level head injury grading system with associated return to play guidelines in an effort to help sports medicine practitioners care for their patients. We share it here Read the rest of this entry »

Radon Testing: Did you know you should test every two years?


danger-sign-Radon-GasIf you’ve bought a home, you know that before you pass papers you have to test for radon. And that’s about the only time you ever think about it.


But the EPA actually recommends that you test every TWO YEARS –or earlier if:

  • You built an addition
  • Remodeling in your home changed the ventilation pattern
  • Any major crack appear in your foundation or slab
  • There’s been significant construction or blasting nearby

Read the rest of this entry »

Identity Theft: what to do when information is lost or exposed

id-theftIf you lose your wallet, get a notice informing you that your personal information was exposed in a data breach, or find out an online account has been hacked—there are a number of steps you need to take to protect yourself from identity theft.


The Federal Trade Commission offers these recommendations depending on the information lost or exposed: Read the rest of this entry »

Get Serious About Your Passwords


strongPasswordWe’ve written before about the importance of having strong passwords. And it’s likely that many readers still think, “Why would anyone target me?” and continue to use predictable, easy-to-remember but easy-to-guess passwords. (The #1 most-used password: 123456.) But we’re here to tell you that the FTC estimates over 9 MILLION identities are stolen EVERY YEAR, and online hacking contributes to that statistic.


So, you need to have a smart strategy for creating strong passwords and of course an equally strong system for storing them securely. Here are guidelines to consider: Read the rest of this entry »

New MA Law Changes Thresholds for At-Fault Accidents


FenderBenderMaNewThresholdsIn a move that greatly benefits drivers throughout Massachusetts, Governor Baker signed the state’s 2016 state budget that included increased thresholds for surchargeable minor and major accidents. This could result in major cost savings for individuals involved in at fault accidents (i.e. accidents in which you are more than 50 percent at fault.) The new law was effective as of July 1, 2015. Read the rest of this entry »

A few quick thoughts on Naming Your Own Price car insurance


nameYourPriceFor most of us price is an important consideration in almost everything we buy. And most of us (OK, probably not the uber-rich) set budgets and try to stay within them. So when someone tells us we can “name our own price” for car insurance, it’s a tempting marketing claim.


But that’s just what it is: a marketing claim. Here’s how it works: Read the rest of this entry »

A Few Insurance Issues to Think About During a Divorce


Insurance-FileTabsThere are so many issues to address during divorce proceedings– from child custody to dividing finances and possessions. Insurance happens to be one of them, and it’s one that can be overlooked given all the other pressing issues. But it’s an important part of family and individual protection. So here is a short list of issues to include in your planning. Read the rest of this entry »

Tax and Home Records: How Long to Keep Them


personalFilesIf you’re like most people, you don’t have unlimited space to keep your tax and home records. But if you’re ever audited by the IRS or the state, or need to file an insurance claim – you certainly want to have the records that you need. Here’s a list of the records you should be retaining…and general suggestions for how long you should hold onto them!


Read the rest of this entry »

Homeowner Oil Heating System Compliance and Insurance


Oil System Leak PreventionMassachusetts has a law that addresses oil leaks from home heating systems. This law has two major provisions that require:

  • the installation of either an oil safety valve or an oil supply line with protective sleeve on systems that do not currently have these devices; and
  • insurance companies that write homeowner policies to offer coverage for leaks from heating systems that use oil. In most policies, this is an optional coverage to be purchased.

Read the rest of this entry »

The Internet of Things and Your Privacy


IoTYou probably read recently about the network engineers who took control of a Chrysler Jeep Cherokee driving down a highway in St. Louis. They accomplished that using a networked computer 10 miles away. They activated the windshield wipers, turned the radio and air conditioning up full blast, and disengaged the car’s transmission.


As a result of this experiment, within days Chrysler’s parent company recalled 1.4 million vehicles that were susceptible to the same kind of Internet attack.


That’s simply one example —albeit dramatic—of the security and safety risks associated with the Internet of Things (IoT)—the environment where internet-connected devices and sensors communicate with each other to perform designated tasks. Read the rest of this entry »