With a business comes business insurance, the most basic of which is the Business Owners Policy or BOP insurance. In that insurance are three major parts: one protects your assets (Business Property Insurance), one protects your income (Business Income Insurance), and the third protects your liabilities. This third, General Liability Business Insurance, is considered a form of comprehensive commercial liability insurance, but it’s important to understand the gaps that might exist for your business. Continue reading What Is and Isn’t Covered by Your General Liability Business Insurance?
Author: Safeside Insurance
Auto Accidents Not Covered Under Standard MA Car Insurance
Auto insurance is party of owning and driving a car, but not all auto insurance is the same. As insurance agents, we’ve talked with clients and walked through many accidents—including the ones they didn’t have coverage for. Today we want to give the same advice to you we give to those clients—to know what kinds of auto accidents not covered by standard insurance and what you should know and can do about it when it comes to insurance coverage. Continue reading Auto Accidents Not Covered Under Standard MA Car Insurance
Renting Your Second Apartment: Getting Better Renters Insurance
When we move apartments, we always say how we’ll “do things right” this time and make changes for a better living situation. Hopefully, everything goes smoothly: no damaged furniture during the move, a great new space, and a better environment for your needs. But something is missing: when you rented your first apartment, how was your renters insurance? Today we’re going to talk about how for renting your second apartment your renters insurance can fill the gaps you did (and didn’t!) know about. Continue reading Renting Your Second Apartment: Getting Better Renters Insurance
When Should You (And Shouldn’t You) Be Bundling Insurance?
Insurance bundling isn’t a new concept—getting your various types of insurance (homeowners, auto, etc.) from the same company makes both your and your insurance provider’s life easier. Beyond the usual discount incentive, bundling insurance simplifies your logistics—things like paying bills, keeping records, and filing claims are easier. But there are times bundling insurance isn’t going to be in your best interests, especially if the savings come at the cost of quality coverage. Continue reading When Should You (And Shouldn’t You) Be Bundling Insurance?
What Homeowners Insurance in Massachusetts Should You Have?
Whether you’re new to Massachusetts or looking to cover all your bases with a better homeowners policy, it’s important to know the local risks and insurance options available to you here in MA. While homeowners insurance in Massachusetts isn’t required, almost all property owners have policies that cover their homes and the belongings within—doesn’t it make sense to ensure you’ve fully covered all of this in the most common events and natural disasters? Continue reading What Homeowners Insurance in Massachusetts Should You Have?
Picking the Right Insurance Premiums and Deductibles for Your Situation
Every person is unique; shouldn’t their insurance match their situation? Often when we talk to people about their past experiences with insurance, it comes down to money: how much they paid and how it repaid them when they needed it. These two parts of insurance have two major components that impact how we see them: insurance premiums and deductibles. Today we want to talk about the missteps many make with their policies in regard to these two options and what they can do about it. Continue reading Picking the Right Insurance Premiums and Deductibles for Your Situation
Business Insurance: What Happens to a Business During an Emergency?
No one ever wants an emergency to happen to their business—but that doesn’t mean they don’t plan for it. Whether an incident occurs due to liability, damage, or disaster, it can have profound effects on your business in both the short and long term. Today we’re going to look at the consequences of such emergencies—like having to go to court or temporarily close or relocate your business—and how a good plan (and good insurance) can help. Continue reading Business Insurance: What Happens to a Business During an Emergency?
Does My Car Insurance Protect Against Snow and Ice Damage?
While Massachusetts is known for outstanding plowing during snowing in most cities and townships, there’s still a lot of snow and ice that those Nor’easters can drop on us. These situations can impact our vehicles in many ways. Sometimes that’ll mean a long commute or having to dig out a car—but sometimes those impacts are quite literal, causing costs to the car, property, or even people. When those costs occur due to snow and ice damage, will your insurance cover it? Let’s find out. Continue reading Does My Car Insurance Protect Against Snow and Ice Damage?
New England Winter Damage and Your Home
It’s that time of the year when the Nor’easters of Massachusetts and surrounding states start grudgingly to give up ground to spring thaws—and that means it’s also time to assess the New England winter damage to your home. Some are dramatic and sudden, such as fallen trees and ice dams, others might not be apparent unless you’re looking for them or after the thaw happens. Below are common winter issues with homes, how to deal with them, and how homeowners insurance helps. Continue reading New England Winter Damage and Your Home
What to Know About Renters Insurance Before You Sign the Lease
Whether it’s your first lease or not, before you sign on the dotted line with your landlord, it’s important to take stock of a few things. And we’re not talking about just dealing with the moving truck or making sure you’ve got enough boxes, nor just mail forwarding and changing addresses; we’re talking about protecting everything you’re moving and yourself. Regardless of if you have a current policy or you’re in the market for one, learn what you need to know about renters insurance before you sign the lease. Continue reading What to Know About Renters Insurance Before You Sign the Lease
