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Tuesday, May 28, 2024

Insuring a Boarding House: A Comprehensive Guide Running a boarding house is a unique business venture that comes with its own set of challenges and risks. Ensuring your boarding house is properly insured is crucial to protect your...

Wednesday, May 8, 2024

Understanding Probate Bonds: A Crucial Component of Estate Administration In the complex world of estate administration, probate bonds play a crucial role in safeguarding the interests of heirs, beneficiaries, and creditors. Also known...

Tuesday, April 30, 2024

Ridesharing and Food Delivery Insurance: Protecting Massachusetts Drivers In the bustling streets of Massachusetts, the rise of ridesharing services like Uber and Lyft, as well as food delivery platforms like Uber Eats, DoorDash, and...

Tuesday, April 23, 2024

Navigating Flood Insurance: Understanding Risks and Coverage Floods are among the most devastating natural disasters, causing extensive damage to properties and posing significant financial risks to homeowners.

Wednesday, April 17, 2024

Shielding Your Business: The Essentials of Business Insurance Running a business comes with inherent risks, from potential liability claims to property damage and unforeseen emergencies. Business insurance plays a crucial role in...

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Friday, March 22, 2024

When it comes to insurance, most people focus solely on coverage for unexpected events like accidents, theft, or property damage. However, insurance policies often come with a range of additional benefits and features that provide added...

Tuesday, March 19, 2024

Demystifying Auto Insurance: What Every Driver Needs to Know Auto insurance is a crucial aspect of responsible vehicle ownership, providing financial protection against the risks of accidents, theft, and other unforeseen events on the...

Wednesday, March 13, 2024

Saving on Insurance Premiums: Practical Tips and Strategies Insurance premiums are a necessary expense for protecting your assets and mitigating risks, but they can also put a strain on your budget.

Tuesday, March 5, 2024

Home insurance is a comprehensive financial product designed to protect homeowners against financial losses resulting from damage to their property or liability for injuries and property damage caused to others.

Monday, March 4, 2024

10 Critical Components for Developing an Effective Safety and Wellness Program Ensuring the safety and well-being of employees is not just a legal obligation but also a moral imperative for any organization. Workplace accidents not...

Friday, March 1, 2024

Preparing for Natural Disasters: Proactive Measures and Insurance Considerations Natural disasters can strike with little warning, wreaking havoc on homes, businesses, and communities. While it's impossible to prevent natural disasters...

Wednesday, February 28, 2024

Understanding Contract Surety Bid Bonds, Performance Bonds, and Payment Bonds  In the realm of construction and contracting, where projects are often substantial and complex, ensuring financial security and adherence to agreements...

Tuesday, February 20, 2024

Why Are My Homeowners Insurance Rates So Expensive This Year? Understanding the 2024 Insurance Market As a homeowner in Massachusetts, you may have recently received your homeowners insurance renewal notice and noticed a significant...

Wednesday, February 7, 2024

An insurance audit is an insurance company’s way of determining how much risk they actually insured over the past year. Your business could have undergone a drastic change over the past year since your policy went into effect.

Thursday, February 1, 2024

Navigating the Current Insurance Market: A Guide for Businesses For insurance buyers, understanding the dynamics of the insurance market is paramount. Premium prices often seem to fluctuate without clear rhyme or reason, but the truth...

Friday, January 19, 2024

Developing a safety plan for contractors is essential to ensure a secure working environment. Here's a comprehensive safety plan: 1. General Safety Procedures: a. Personal Protective Equipment (PPE): - Mandate the use of appropriate...

Thursday, January 18, 2024

Risk management is not merely a precautionary measure; it's a strategic approach to anticipate and address potential threats to a business's success. It involves identifying risks, assessing their impact, and implementing strategies to mini

Wednesday, January 17, 2024

As an independent insurance agent specializing in coastal flood insurance, it's crucial to understand whether your standard home insurance policy provides coverage for flood-related damages.

Tuesday, December 19, 2023

As a contractor in Massachusetts, you understand the importance of your craft. Whether you specialize in carpentry, plumbing, electrical work, or another trade, your skills contribute significantly to the construction industry.

Friday, December 15, 2023

Driving in Massachusetts offers a unique blend of historic landscapes, bustling city streets, and winding coastal roads. Whether you're a new driver or a seasoned commuter, understanding the basics of auto insurance is crucial...

Tuesday, December 12, 2023

In the digital age, our homes are becoming smarter than ever. From thermostats that learn our preferences to security cameras that keep a vigilant eye, smart home technology is transforming the way we live.

Monday, November 27, 2023

Demystifying Deductibles: Unveiling the Key Factor in Home Insurance Introduction: When it comes to navigating the landscape of home insurance, one term that frequently surfaces is "deductible." Understanding this concept is crucial,...

Wednesday, November 22, 2023

Understanding the Crucial Role of Flood Insurance in Coastal Massachusetts Homes Introduction: Living along the picturesque coastline of Massachusetts offers homeowners breathtaking views and the serenity of coastal living.

Wednesday, November 22, 2023

In this blog post, we will address common questions and concerns about flood insurance in Massachusetts, shedding light on coverage limits, waiting periods, and how to effectively navigate the complexities of flood insurance policies.

Monday, November 20, 2023

Essential tips to help homeowners get their homes winter-ready and minimize potential risks.

Tuesday, October 31, 2023

Flood Zone "X" is often known as the "Low to Moderate Risk Zone," and it's designated by FEMA, the Federal Emergency Management Agency. Homes located in Zone X are considered to be at a relatively low to moderate risk for flooding.

Thursday, October 26, 2023

Understanding Flood Zone "VE" A Guide for Homeowners looking to purchase flood insurance. As a responsible homeowner, you've likely heard about flood zones and their importance in determining your property's risk of flooding.

Thursday, October 26, 2023

Understanding Flood Zone "AE" A Guide for Homeowners. As a homeowner, you've probably heard about flood zones and their importance when it comes to safeguarding your home and family. One flood zone that often comes up is zone "AE".

Friday, September 29, 2023

"Stay Cozy and Secure: A Homeowner's Guide to Winter Preparedness and Fall Clean-Up" As the vibrant colors of autumn foliage start to fade and the temperatures begin to drop, it's time for homeowners to shift their focus from outdoor...

Tuesday, September 12, 2023

One of the most significant misconceptions is assuming that your E-bike is covered under your standard homeowners' insurance policy. In reality, most such policies explicitly exclude E-bikes, leaving you exposed to potential losses.

Tuesday, September 5, 2023

Flood Insurance: Essential Protection for Every Homeowner's Peace of Mind   Introduction: A home is more than just bricks and mortar; it's a sanctuary filled with love and cherished memories. As responsible homeowners,...

Tuesday, September 5, 2023

The Art of Protecting Your Priceless Treasures: Unveiling the Power of Scheduled Coverage in Homeowners Insurance Introduction: Your home is a sanctuary of love and memories, adorned with treasured possessions that hold both...

Thursday, August 17, 2023

Empowering Your Business in the Digital Age: A Comprehensive Look at Cyber Liability Insurance In our rapidly advancing digital landscape, cyber threats have become an ever-present danger for businesses, regardless of their size or...

Thursday, August 17, 2023

Strengthening Your Business Armor: The Case for Equipment Floaters and Installation Floaters for Contractors As a General Contractor, HVAC Contractor, Plumber, Electrician, or Carpenter, your tools and equipment are the lifeblood of...

Tuesday, August 8, 2023

Unraveling the Enigma of Workers' Compensation Insurance Rates in Massachusetts As an independent insurance agent serving Massachusetts, I am thrilled to provide you with valuable insights into the myriad of factors that influence...

Monday, July 31, 2023

Homeowners have recently found themselves facing an unexpected challenge - a significant rise in their insurance premiums. Understanding the driving forces behind this surge is crucial for homeowners seeking to protect their valuable invest

Thursday, July 27, 2023

Auto insurance plays a vital role in safeguarding us and our valuable vehicles on the bustling roads of Massachusetts. However, lately, you may have noticed a concerning uptick in auto insurance rates.

Wednesday, June 21, 2023

Are you a back seat driver? Sometimes being a back seat driver is a bad thing… Sometimes it is a good thing...Sometimes it is annoying or dangerous if you distract the driver. Drivers really need to be able to concentrate.

Thursday, May 25, 2023

Monday, May 22, 2023

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...

Friday, May 19, 2023

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...

Thursday, May 18, 2023

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,...

Thursday, May 18, 2023

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...

Wednesday, May 17, 2023

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...

Friday, May 12, 2023

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...

Friday, May 12, 2023

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...

Monday, May 1, 2023

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...

Monday, April 24, 2023

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 England

Tuesday, April 4, 2023

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...

Saturday, April 1, 2023

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.

Saturday, April 1, 2023

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...

Saturday, April 1, 2023

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,...

Saturday, April 1, 2023

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...

Saturday, April 1, 2023

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...

Saturday, April 1, 2023

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.

Saturday, April 1, 2023

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...

Friday, March 31, 2023

 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.

Friday, March 24, 2023

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...

Friday, March 24, 2023

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.

Friday, March 24, 2023

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...

Friday, March 24, 2023

What is Cyber Liability Insurance? .Cyber liability insurance policies typically provide coverage for a range of cyber risks

Friday, March 24, 2023

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...

Friday, March 24, 2023

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...

Friday, March 24, 2023

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...

Friday, March 24, 2023

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...

Monday, March 13, 2023

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...

Friday, March 10, 2023

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...

Friday, March 10, 2023

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...

Friday, March 10, 2023

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...

Friday, March 10, 2023

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...

Friday, March 10, 2023

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...

Wednesday, March 8, 2023

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.

Friday, March 3, 2023

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...

Thursday, February 23, 2023

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...

Wednesday, February 22, 2023

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...

Thursday, February 2, 2023

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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. ...

Tuesday, September 27, 2022

Ever wonder what an insurance term means? Here is a website with every term that the industry uses.

Tuesday, September 27, 2022

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...

Tuesday, September 27, 2022

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...