What is an Additional Insured?
As a business owner, you may be asked to be listed as an additional insured on a client's insurance policy. This means that you are included as an insured party under the client's policy, in addition to the client themselves. Here are...Read More
Should I Buy a Home in a Flood Zone?
Should I Buy a Home in a Flood Zone?Introduction: Purchasing a home is a significant decision, and there are various factors to consider before making such a substantial investment. One crucial aspect that potential homebuyers must...Read More
What is a Certificate of Insurance?
A certificate of insurance is a document issued by an insurance company that provides evidence of insurance coverage. It summarizes the key details of an insurance policy, such as the type of coverage, policy limits, effective dates,...Read More
Understanding Different Insurance Deductibles: Hurricane, Windstorm, Named Storm, and All Perils
Understanding Different Insurance Deductibles: Hurricane, Windstorm, Named Storm, and All PerilsIntroduction: When it comes to insurance policies, deductibles play a crucial role in determining the amount you must pay out of pocket...Read More
If you hire a contractor, make sure they have insurance!
Hiring a contractor for home repairs or renovations is a significant investment for any homeowner. However, it also comes with a certain level of risk, as accidents can happen during the project. In order to protect yourself and your...Read More
How are Auto Insurance Rates Determined in Massachusetts?
How are Auto Insurance Rates Determined in Massachusetts?Unfortunately, prices are going up everywhere for everything including Auto Insurance. Auto insurance rates in Massachusetts are determined by a few factors. Massachusetts is a...Read More
What can you do to lower your auto insurance costs?
What can you do to lower your auto insurance costs? At HCC, we strive to find you the best policy for the best price. The insurance world is constantly changing and our Account Managers work diligently to make sure that our...Read More
Why you should always request a Certificate of Insurance from your Sub-Contractors.
As a business owner, you know that working with subcontractors can be an essential part of running a successful operation. Whether you're hiring a vendor to provide goods or services, or contracting with a specialist to complete a...Read More
10 tips to get your yard ready for spring
Spring is a season of rejuvenation and renewal, and your yard is no exception. After a long winter, your yard may need some TLC to get back into shape. Here are ten tips to get your yard ready for spring in New EnglandRead More
Cyber Crime Prevention Tips
Cyber Crime Prevention TipsCybercrime has become a pervasive problem in today's digital world, affecting businesses, organizations, and individuals alike. With the growing number of data breaches, phishing scams, and other forms of...Read More
Mechanical Breakdown Endorsement for a Homeowner's Policy - What is it and why is it important?
Mechanical Breakdown Endorsement for a Homeowner's Policy - What is it and why is it important?Homeowner’s insurance policies typically cover things such as fire, theft, vandalism, wind damage, and water damage.Read More
Accident Forgiveness Endorsement - What is it and why is it important?
Accident Forgiveness Endorsement - What is it and why is it important? Accidents are a common occurrence on the roads of Massachusetts. Whether it's due to heavy traffic or hazardous weather conditions, accidents can happen to...Read More
Property Remediation for Liquid Fuel and Limited Escaped Fuel Liability Coverage
Property Remediation for Liquid Fuel and Limited Escaped Fuel Liability CoverageHomeowner's Insurance policies typically provide coverage for damages caused by fire, theft, burst pipes, and weather events such as hurricanes. However,...Read More
What is The Limited Water Back-up endorsement ?
Limited Water Back-up Endorsement - What is it and why is it important? The Limited Water Back-up is an endorsement available on Homeowners policies that provides protection against water damage caused by water backing up into...Read More
What is a Personal Umbrella Liability Policy?
Personal Umbrella insurance is a type of coverage that provides additional liability protection beyond what is covered by your existing insurance policies. This coverage is important since accidents and lawsuits can happen unexpectedly...Read More
Substitute Transportation - What is it and why is it important?
Substitute Transportation coverage is a type of auto insurance coverage that provides you with a rental car or other form of transportation while your vehicle is being repaired or replaced after an accident.Read More
What is Ordinance and Law Coverage for Property Owners?
Ordinance and Law Coverage for Property Owners Ordinance and Law coverage is an essential part of property insurance policies. It is a type of coverage that provides protection for property owners in case their property needs to be...Read More
How can Cyber Liability Insurance Improve Cyber Security?
How can Cyber Liability Insurance improve Cyber Security?While cyber liability insurance cannot directly improve cyber security, it can play a role in encouraging businesses to improve their cyber security posture.Read More
How to save money on your Workers Compensation Policy
If you run a business, you're likely aware of the importance of having workers' compensation insurance. This type of insurance protects your employees in the event of a work-related injury or illness, and can help cover their medical...Read More
6 Reasons Why You Need Cyber Liability Insurance
If you're a business owner in Massachusetts, it's crucial to understand the importance of cyber liability insurance. Here are six reasons why you need cyber liability insurance.Read More
Who Needs Cyber Liability Insurance?
Any business that relies on technology to operate or stores sensitive information about employees or customers should consider purchasing cyber liability insurance. This includes businesses of all sizes, from small startups to large...Read More
What is Cyber Liability Insurance?
What is Cyber Liability Insurance? .Cyber liability insurance policies typically provide coverage for a range of cyber risksRead More
Common Homeowners Insurance Exclusions
Common Homeowners Insurance ExclusionsAs a homeowner in Massachusetts, it's important to have a comprehensive homeowners insurance policy to protect your home and personal belongings. However, it's equally important to understand the...Read More
Understand the Risks of Vacant Properties
Understand the Risks of Vacant PropertiesIf you own a property that is currently vacant, it's essential to understand the importance of insuring it properly. Vacant properties can pose a higher risk of damage and liability, making it...Read More
How to Prevent Ice Dams
As a homeowner in Massachusetts, you're likely familiar with the risks associated with ice dams. These ice formations can cause significant damage to your roof and gutters, leading to costly repairs. In this blog, we'll discuss how ice...Read More
Insuring your Tools & Equipment
As a contractor, your tools and equipment are essential to your job. They are also valuable assets that you need to protect. Whether you own a small construction company or work as an independent contractor, it's essential to have...Read More
The Benefits of Bundling Your Insurance
The Benefits of Bundling Your Insurance PoliciesIf you're looking for a way to save money and simplify your insurance coverage, bundling your insurance policies might be the solution. Bundling refers to purchasing multiple insurance...Read More
Snow Plowing is a Unique Risk
If you plow snow during the winter months, it is important to have the right type of insurance coverage to protect yourself and your business from financial loss in the event of an accident or other incident. Here are the types of...Read More
How does your home policy respond to fallen trees
As a homeowner, you take great pride in your property and want to do everything you can to protect it. However, sometimes events outside of your control, such as fallen trees, can cause significant damage to your home. That's where...Read More
Contractor's Errors & Omissions Coverage
If you are a contractor, errors and omissions (E&O) insurance is an important coverage to consider. E&O insurance, also known as professional liability insurance, provides protection for contractors in the event of a mistake or error...Read More
What is Substitute Transportation Coverage?
Auto insurance can be a confusing topic, especially when it comes to understanding the different coverage options available. One coverage option that is often overlooked is “Part 9 Substitute Transportation” coverage, also...Read More
What is an Installation Floater?
If you work in the construction or the contracting industry, you may have heard of an installation floater. An installation floater is a type of insurance coverage that provides protection for materials, supplies, and equipment that...Read More
Don't Risk Inadequate Coverage: Understanding the 80% Rule for Homeowners Insurance
Protect your home and financial stability with the 80% rule for homeowners insurance. Learn why meeting this crucial requirement is vital, how it affects your coverage, and how to ensure you have adequate protection.Read More
Why is my insurance premium going up so much?
I think it is safe to say most people are not a stranger to the price increases we have all faced lately as consumers. One of the biggest price increases we’ve seen has been to the cost of building materials. Along with building...Read More
Winter in New England can be a brutal experience as a homeowner. Heavy snowfall, cold temperatures, and harsh winds can be detrimental to a person’s home. Especially in a place like New England, where the weather patterns are...Read More
The History of Cyber Liability Insurance
Cyber Liability Insurance. It is concerning how many businesses do not currently carry this coverage. This type of insurance has been in existence since the 1990s. Unlike auto insurance or property insurance, there was not a common...Read More
Imagine going into work on a Monday morning. Turning on your computer to find that you are completely locked out of your system. Every computer, every device is locked. Every single piece of information is deleted. Your company’s...Read More
CHIMNEYS– chimney fires are a major hazard in the winter. Have the chimney cleaned before the start of heating season to remove harmful and flammable creosote buildup. Chimney fires can move from the chimney to...Read More
PUFF BACKS –a malfunction in a furnace or boiler can create an oil film that can be circulated throughout the home via the heating system. All interior surfaces as well as personal property are affected by a puff back...Read More
POWER FLUCTUATIONS – power outages can cause damage to appliances, the electrical system, ignition switches, timers and relays. There are some simple things you can do to protect the electrical equipment in your home...Read More
SMOKE AND FIRE ALARMS
SMOKE AND FIRE ALARMS– since house fire frequency increases in the winter, ensure that all smoke and fire detectors/alarms are in good working condition. Consider installing a carbon monoxide detector in addition to smoke...Read More
SNOW ON ROOFS
SNOW ON ROOFS– some roofs can handle more snow than others. In New England, roofs should be designed to hold between 40 and 70 pounds per square foot. The total accumulated weight of two to four feet of snow...Read More
HAPPY VALENTINE’S DAY
Happy Valentine’s Day! We hope that you have a wonderful day celebrating the love you share with the special people in your lives.We also want to let you know, that should you get a valuable or sentimental gift on...Read More
10 MOST STOLEN VEHICLES IN AMERICA
The National Insurance Crime Bureau (NICB) released a top-10 list of the most frequently stolen vehicles in the United States. For 2010, the most frequently stolen vehicles are as follows:1994 Honda Accord1995 Honda Civic1991...Read More
TEXTING WHILE DRIVING??!!!
Despite a texting ban in 35 states, researchers at NHTSA found that 71% answer phone calls and another 41% make phone calls while driving. Some liken it to drinking and driving. The survey showed that nearly half of all...Read More
PLYMOUTH ROCK ANNOUNCES CREDIT CARD PAYMENTS
We’ve listened to your requests and we’re excited to announce that we will accept new payment options. Plymouth Rock will now accept payment by credit and debit cards from all customers 24 hours a day via phone and via...Read More
HCC HAS ADDED ANOTHER NEW HOMEOWNERS MARKET
Humphrey, Covill & Coleman Insurance is pleased to announce the addition of another new homeowners market to our line up. Universal Property (www.universalproperty.com) is a Florida based company that is very good at writing...Read More
BUYING A NEW CAR? BEWARE OF SUBMARINES!
IF YOU ARE IN THE MARKET TO BUY A NEW OR USED CAR – PAY ATTENTION!Hurricane Sandy destroyed or damaged THOUSANDS of cars. The market is now “flooded” with these “fixed-up/cleaned-up” cars. ...Read More
INSURANCE TERMINOLOGY 101
Ever wonder what an insurance term means? Here is a website with every term that the industry uses.Read More
TIME TO REVIEW YOUR MASSACHUSETTS AUTO INSURANCE POLICY
Many people renew their Massachusetts auto insurance policy without even giving it a second thought. This is particularly true for those who may be on an automatic draft program where premiums are deducted from a...Read More
YOUR GUIDE TO HOMEOWNERS INSURANCE
Home insurance to homeowners is sometimes seen as just another expense that needs to be dealt with. It’s easy to forget that you’re taking precautions to protect what is likely to be the biggest investment...Read More