Jim Pietro

Recent Posts

Non-Essential Businesses Closing - Things for Small Businesses to Do Now for a Successful Reopening

Posted by Jim Pietro on Mar 23, 2020 12:46:45 PM

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.   

Read More

Topics: Small Business

Enjoy the Holidays and Be Mindful of the Risk of Fire

Posted by Jim Pietro on Dec 14, 2015 10:30:58 AM


Read More

Topics: Holiday safety

Are Those Holiday Gifts Covered By Your Home Insurance?

Posted by Jim Pietro on Dec 1, 2015 11:30:00 AM

'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.

Read More

Topics: home insurance

How Does Mid-State Give Back?  Bears on Board

Posted by Jim Pietro on Nov 3, 2015 11:30:00 AM

 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.

Read More

Topics: Our mission

Historic floods...would you be prepared?  Do you have a disaster plan?

Posted by Jim Pietro on Oct 6, 2015 10:30:00 AM

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.

Read More

Topics: disaster plan, flood insurance, home insurance

Credits! Credits!! Credits!!! Oh My!

Posted by Jim Pietro on Apr 8, 2015 12:30:00 PM

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?   
Read More

Topics: auto insurance, home insurance

Collision and Comprehensive Coverage: What do I really need?

Posted by Jim Pietro on Apr 2, 2015 11:12:49 AM

 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.  
Read More

Topics: auto insurance

Home Insurance Limits - Market Value vs. Building Cost

Posted by Jim Pietro on Mar 10, 2015 12:30:00 PM

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?


Read More

Topics: home insurance

3 Reasons Liability Limits Are Important on Your Home and Car Insurance

Posted by Jim Pietro on Feb 23, 2015 1:00:00 PM

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.
Read More

Topics: auto insurance, Liability, home safety, claims, home insurance

5 Things to Consider While Quoting Your Home and Car Insurance

Posted by Jim Pietro on Feb 2, 2015 1:28:00 PM


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:

Read More

Topics: auto insurance, home insurance

Individualized Solutions...that's what Mid-State is all about

Let us help you determine the coverage you need

Whether you are an individual or a business owner, your insurance needs are unique to your circumstances.


  • Insurance policies are not one size fits all
  • We have years of experience and insurance knowledge
  • We are an independent agency and can provide multiple competitive quotes
  • We are local and involved in the local community
  • And, we are easy to work with



Subscribe to Email Updates

Recent Posts

Posts by Topic

see all