Governor Baker has ordered all businesses and organizations in Massachusetts that do not provide COVID-19 essential services to close their physical workplaces effective Tuesday, March 24, 2020 at noon. While some businesses can continue to function by working remotely, many do not have that option. I received a timely newsletter from our attorneys that provided some insightful information for small businesses who may be closing or drastically changing their business due to the COVID-19 pandemic and felt it was important to share with our customers. We will make it through this, but the more thoughtful we are now may determine how successful we are in the future.
Topics: Small Business
Topics: Holiday safety
'Tis the season to go out and purchase something from your favorite shop or order that perfect gift online. Were you one of the many people who took advantage of Black Friday or Cyber Monday deals? If you were, did you wonder if the new set of golf clubs in your car trunk or the recently shipped TV which is sitting on your doorstep is covered? The answer is; it depends.
Topics: home insurance
About 17 years ago I wanted Mid-State to take a more active role in giving back to the community. We had routinely helped several area charities through either financial donations or volunteer work but I was looking for something that all Mid-State employees could take pride in and call their own.
Topics: Our mission
Our thoughts and prayers are with the people of Columbia, Charleston and all the communities affected by this weekend's torrential rains associated with hurricane Joaquin. Looking at the images of the devastating flood waters in South Carolina one can not help but question when such damaging weather will once again be heading our way.
|Everywhere you turn these days you see or hear an advertisement telling you that you can save 10, 20, 30, 40% or more on your insurance! But is this really true?|
|Collision and Comprehensive coverage can be purchased as part of any personal or commercial car insurance policy. You are not "required" to buy either coverage however if you owe money on the vehicle or are leasing it, the lender or leasing company will require that you carry both coverages.|
Topics: auto insurance
How much is your home insured for anyway?
If you are a homeowner, where did the coverage limit on your home insurance policy come from? A homeowner's insurance policy protects a home against loss and damage. There are all kinds of methodologies for putting a value on your home and thus, determining your home insurance limits...market, replacement, actual cash, tax, construction cost...so which one is the right one and what does it mean?
Topics: home insurance
You may think that minimum liability coverage is more than enough for you or that high liability limits are only for the rich.
These claim examples could change your mind:
- The insured's daughter hated math class as well as the teacher. The daughter made several "disparaging" and false remarks about her teacher online. The teacher sued the parents for personal injury in the amount of $1 million.
- A 28 year-old engineer dove into a friend's above ground swimming pool, struck his head on the bottom, and as a result became a quadriplegic. He sued both the homeowner and the pool manufacturer. The court found the homeowner to be 60 percent responsible and the pool manufacturer to be 40 percent responsible and awarded $10,000,000.
There's more to consider than just naming your price when you set out to purchase insurance.
We often have customers tell us about unwelcome surprises when they tried to file a claim or hoops they were made to jump through to get service on their prior policy. Before you purchase your next Massachusetts home insurance or car insurance policy, here are some things to consider: