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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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Reduce Your Time in Airport Security Lines



You probably have seen in the news that airlines are anticipating major delays this summer in airport security lines. Last weekend (long before the heavier summer travel season) about 450 American Airlines passengers in Chicago’s O’Hare International Airport missed flights after standing in security lines for over 2 hours. And dozens who couldn’t get a later flight slept on cots in the terminal.


TSA has 42,000 officers. But that’s 5,000 fewer than in 2013 and in that same period, passenger volume has increased 15% so you can understand how the delays have developed. (Not to mention the huge increase in carry-on bags that have to be scanned as passengers struggle to avoid baggage fees!)


Unfortunately in today’s world, everyone understands the critical need for security at our airports. And while the TSA has announced that they will be adding personnel to address this problem, many say it won’t be enough to significantly reduce the delays.


There’s a way to reduce your time in line!

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Picking a Safer Used Vehicle for Your Teen Driver


file000739321417Motor vehicle crashes are the leading cause of death for U.S. teens.


The Risk:

According to the CDC, in 2013, 2,163 teens in the United States ages 16–19 were killed and 243,243 were treated in emergency departments for injuries suffered in motor vehicle crashes. That means that six teens ages 16–19 died every day from motor vehicle injuries. And there are a number of clearly identifiable factors that put teens at risk:

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Reducing Your Risk of Future Claims: Spring Home Maintenance


spring home maintenanceMaintaining your home protects its integrity, helps you reduce the chances of claims, and can go a long way toward preserving or improving the value of your home. With those thoughts in mind, here’s a checklist of the things you can and should do around your home this spring:

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Working Together to Reduce Your Homeowner Premiums (A Checklist)


HomeownerInsuranceAt the Cushman Insurance Group we review your homeowner policy every year when it comes up for renewal. And if we find that the rate has increased beyond a small percentage within industry averages, we re-quote your coverage with several of the many companies we represent in order to make sure you are getting the best coverage for the most competitive rate.


There are also ways that you can help to reduce your homeowner premiums. Here’s a checklist:

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Spearphishing—Real and Increasing Risk for Businesses


spear-phishing_thWe’re all familiar with a wide-net phishing emails. They are usually non-personalized, often poorly written emails letting you know you’ve won something, or that there’s a problem you need to address immediately (e.g. your email will be deactivated, your bank account will be closed) unless you update/ confirm your user name and your password.



Spearphishing is different; it targets a specific group of people: employees or customers of a specific company, individuals within certain departments (legal, finance, accounting, HR, etc.), or even a specific person. The emails are also more difficult to recognize as bogus because the criminals have a level of information about the target that makes them seem legitimate. (e.g. name, boss’ name, customer names, current project(s), etc. gathered by combing the company’s website, other websites, blogs, social networking sites, etc.)

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ATM skimming is up significantly; tips to help you stay safe.


skimmerYou’re probably aware of ATM skimming. It involves criminals installing illegal card reading devices on ATMs to capture the data on the magnetic strip on your debit card. They also frequently install a hidden camera that enables the thieves can record your PIN number as you enter it on a keypad.


What do they do with it? They make duplicate debit cards and then drain cash from your bank account. Read the rest of this entry »

Falling Trees and Your Insurance


The recent heavy, wet snow resulted in damage to homes and cars from falling trees and limbs all around eastern Massachusetts. That raised the often-asked question: whose insurance pays for the damage? Here’s a quick overview of the issues that apply:


Damage to a home, fence, or other insured structure

A standard homeowner policy provides coverage for the damage to insured structures and any contents in them resulting from a falling tree caused by wind, lightning, or hail. Read the rest of this entry »

Things to Consider When Preparing Your Company’s BYOD Policy


tablet-791050_960_720Mobil devices have been great for productivity. The ability to work anytime / anywhere and even use your own smart phone, tablet or computer to work on company assignments has been beneficial for companies and employees alike. But it has also opened an array of issues relating to corporate security and liability. As a result BYOD (Bring Your Own Device) policies have been implemented in businesses across the country to define the requirements of their use, and the consequences of failing to follow the policy rules.

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Automatic Emergency Braking – Standard by 2022


Ramakrishna-automatic_braking20 automobile manufacturers made a historic commitment last week. They committed to making automatic emergency braking (AEB) a standard feature on virtually all new cars by September 1, 2022.


Automatic emergency braking helps prevent crashes or reduce their severity by applying a vehicle’s brakes automatically. The systems exist in a number of new cars already; you’ve likely seen some of the ads on TV by now. This commitment is to make them standard in our new vehicles. Read the rest of this entry »