Insurance Blog
Baldwin / Welsh & Parker

Baldwin / Welsh & Parker

Tuesday, 07 January 2020 20:22

Avoiding Disaster at the Gym

Many people choose to exercise at workout facilities such as gyms, recreation centers, and health clubs. In 2016, the total number of gym memberships in the U.S. was 57.25 million in over 36,000 facilities. While the increased physical activity is a good thing, people often overlook the dangers found at such facilities. In fact, for many people, the gym may be the most dangerous environment they visit on a regular basis. Many people performing exertive movements in close proximity using heavy, free-moving equipment can be a recipe for disaster. To ensure you only end up sore from your workout, here are some gym safety tips to follow.

You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items — including generally expensive items — that are damaged or stolen.

For example, many homeowners policies generally have a $1,000 or $1,500 coverage amount for jewelry if the loss is due to theft. Such limits are in place to help keep homeowners policies affordable. However, if jewelry valued at $2,000 is stolen from your home and you have a $1,000 policy limit, you can only receive $1,000 from your insurer to replace the missing items.

That is when an insurance endorsement (sometimes called a rider) can provide increased coverage for your possessions. For an additional premium, this coverage can help protect you from the loss of high-end valuables such as jewelry, furs, antiques, artwork and collectibles.

Here are five tips that may help you decide whether you need valuable items coverage.

Governor Baker Signs Legislation Requiring Hands-Free Use of Electronic Devices While Driving

If you are accustomed to having a conversation or checking navigation while using your handheld phone it's time to stop. Massachusetts hands-free driving law now prohibits drivers from holding a phone for any reason, other than in an emergency. (Texting while driving has been banned for nearly a decade. Calls in hands-free mode are allowed.)

It’s officially Cyber Week. That means the number of packages shipped during the holiday season will increase exponentially during the holiday shopping season. That also means that package theft is on the rise as "porch pirates" attempt to steal your gifts and purchases. 

Package theft can happen anytime but tends to happen more often during the holidays. With more consumers shopping online every year, this number of thefts will undoubtedly climb. Package deliveries increase exponentially the two-and-a-half weeks before Christmas, according to Package Concierge, a company that provides package receipt systems for apartment buildings.

Friday, 25 October 2019 03:59

Myths About No-Fault In MA

Myth #1: No-Fault Means No One Is At Fault

There is a general misunderstanding about no-fault accidents in Massachusetts — drivers often believe that being involved in an accident in this no-fault state means that no one is at fault in an accident, but that is not true. No-fault does not mean you are not at fault.

 

Brief Case Study: Do you know who, if anyone, is at fault in this accident?

 

Driver One was turning her vehicle left through stopped traffic. She cautiously stopped and checked for oncoming vehicles in the opposite lane. Seeing no other vehicles approaching, she determined that is was safe to proceed. As she was completing the turn, Driver Two collided with her vehicle damaging the front right quarter panel and tire. The front end of his vehicle was damaged and the force of the impact also damaged the driver's door, even though the door was not struck.

Police were called to the scene. Driver One told the police officer that she did not see the driver after stopping and checking. Driver Two told the officer that he was going too fast and couldn’t stop in time. No citations were issued to either driver. Both vehicles were damaged, but there were no injuries.

Was anyone at fault?

If you have a portable home fire extinguisher in case of fire emergencies, you are one step closer to putting out a small home fire. But do you know how to use it?

While you may think you are prepared to extinguish flames inside or outside of your home, it's critically important to know how to use a fire extinguisher properly.

When you know how to properly use a fire extinguisher you should only attempt to put out a fire that is confined to a small area and not rapidly growing. If the fire has already developed and is spreading, evacuate your home immediately and call 911.

 

How To Operate A Fire Extinguisher

The time to learn how to operate a fire extinguisher is before a fire begins. Consumer Reports provides step-by-step instructions.

Thursday, 29 August 2019 17:51

Speeding Tickets in MA

You're driving along the road minding your own business. Suddenly you notice a police cruiser waiting under an upcoming overpass or you see a state police officer approaching in your rearview mirror, or perhaps you're on a city road where a local police officer is pointing a radar gun in your direction . . . and you panic.

If you were traveling within the speed limit, you won't get a ticket for speeding. If you're stopped for speeding, prepare to meet the officer with your license and registration—and perhaps a good reason for speeding.

In this article, we aim to answer important questions about how speeding tickets work in Massachusetts and how they may affect your driver's record and auto insurance policy.

 

Frequently Asked Questions About Speeding Tickets in Massachusetts

  • Do you know how many speeding tickets result in a license suspension?
  • Have you heard of the "Clean in 3" Rule?
  • What is a surchargeable incident?
  • Do you know what to do when you get a speeding ticket?

If you don't know all the answers to these questions, read on.

Wednesday, 31 July 2019 21:23

Prepare for Tornadoes

Who Thought A Tornado Would Touch Down On Cape Cod?

It's unlikely anyone from Massachusetts would have expected a tornado to touch down on the Cape—therefore, it was unsettling to learn from the National Weather Service that not one, not two, but three confirmed tornadoes struck Cape Cod just a few weeks ago. 

WCVB5 reported that "[t]he roof of an entire wing of the Cape Sands Inn in West Yarmouth was completely peeled off. Additional significant storm damage occurred just southwest of Dennis-Yarmouth Regional High School. The NWS said dozens of large trees were uprooted and a few were snapped off. One house had its shingles blown off and another house had a hole in the roof from a fallen tree."

The Massachusetts Emergency Management Agency (MEMA) said eight communities -- Dennis, Chatham, Yarmouth, Harwich, Sandwich, Barnstable, Brewster, and Mashpee -- reported downed wires, trees, and damage from the storms.

After a state of emergency was declared in Harwich, Massachusetts Governor Charlie Baker announced that he would seek a federal disaster declaration as recovery efforts continue in the affected Cape Cod region.

Wednesday, 31 July 2019 21:07

Tornado Safety at Home

Contrary to popular belief, tornadoes can strike anywhere in the United States at any time. The average lead time for a tornado warning is only 13 minutes,1 which means that it is a good idea to prepare in advance as much as possible.

While no home can be completely tornado-proof, you can fortify your home to help make it more resistant to damage. Following are some things you can do to help make your home, and your family, safer if a tornado strikes.

1. Prepare Your Shelter Area

  • Designate an area in your house where your family will meet in case of a tornado.
  • Choose a location that is as low as possible, ideally one that is completely underground.2
  • In addition to a survival kit, stock your shelter area with items such as mattresses, sleeping bags or thick blankets, to help protect you from flying debris.3
  • Include a NOAA all-hazard radio, and tune it in advance to pick up warnings for your local area. Proper tuning can also minimize confusion with broader warnings that may not apply to you.4
Wednesday, 31 July 2019 20:19

Tornado Safety Tips

Know the relevant facts and figures about tornadoes. When do they occur? Where do they occur? How damaging are they? What do you need to look for when a tornado may be forming, and how do you need to respond in case the worst happens? Know what to do when it comes to tornadoes.

Page 1 of 16

Contact Us Today

Waltham, MA - 781-890-3740

Hudson, MA - 978-562-5652

Wayland, MA - 508-358-5383

Winthrop, MA - 617-846-0731

Memberships/Awards

trusted choice Baldwin Welsh Parker

S5 Box

Register

You need to enable user registration from User Manager/Options in the backend of Joomla before this module will activate.