Let there be light Driving around, you may have noticed an increasing number of neighbors and business owners installing solar panels (Photovoltaic (PV) systems) on their buildings. Municipalities have been offering tax credits and various solar companies offer many different financing options that have contributed to the proliferation of these systems. With an increasing numberRead more about Does my insurance policy cover solar panels?[…]

#MeToo As more details and more victims emerge from the Harvey Weinstein scandal the hashtag #MeToo has been trending on social media. Started by Alyssa Milano as a way of uncovering the scope of the problem, she asked her followers to reply: “Me Too” if they have been sexually harassed or assaulted. Less than aRead more about Hollywood shows the importance of Employment Practices Liability Insurance[…]

Is your insurance agent getting ready to retire? The average age of an insurance professional is 59 and one in four of those agents is expected to retire by the end of 2018. If your insurance agent is getting ready to retire, do you know what the perpetuation plan is for their agency and (moreRead more about The future of insurance agents in Rhode Island[…]

Are you a professional? Professional is an ambiguous term. If you are employed, aren’t you considered to be a “professional” in that field? For insurance purposes, a professional is anyone that has a liability exposure that could be incurred as a result of errors and omissions in performing their professional services. Individuals or businesses withRead more about Do I need professional liability insurance?[…]

Insurance companies don’t really hate dogs But they do hate the claims that they must pay for dog-related claims. According to Insurance Information Institute, dog bites and other dog-related injuries generally account for more than one-third of all homeowner’s insurance liability claims. The average cost for a dog-related claim has increased more than 70% inRead more about Why does my insurance company hate dogs?[…]

Does your business have a cyber security plan in place? If you are like most business owners, you hear about cyber breaches and stories about ransomware in the news but you have no plans to do anything about it. Over 50% of US firms do not carry cyber risk insurance and nearly a third haveRead more about October is National Cyber Security Awareness Month[…]

Nobody likes to be audited Most people think of the IRS when they hear about audits, but did you know that your insurance policy can be audited as well? An insurance audit ensures the method used to calculate your premium accurately reflects the actual risk. Like an IRS audit, an insurance audit can be anRead more about The dreaded insurance audit[…]

Would you like insurance with that? We’ve all experienced it, you’re standing at a car rental desk after a long flight and the representative asks if you want to purchase the rental company’s insurance coverage. You stare back at the attendant trying to remember what you should do: Should I get the liability? The physicalRead more about Insurance for your rental vehicle[…]

Winter is coming: We are in the midst of the hurricane season in Rhode Island and will soon be facing the winter nor’easters that New England is famous for. Now is a good time for you to check the trees on your property to see if any issues need to be addressed before a catastropheRead more about If your neighbor’s tree falls in your yard should you make a sound?[…]

Top 10 insurance coverages your small business needs: 1) Business Owner’s Policy (BOP): Business owner’s policies typically package all the insurance coverages small businesses need (and sometimes coverages they probably don’t need) into one policy. A BOP usually provides the best bang for your buck but they are not available for every type of business. IfRead more about What kind of insurance does your business need?[…]