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Baldwin / Welsh & Parker

Baldwin / Welsh & Parker

Simply stated, umbrella insurance provides extra liability coverage that can help protect assets, such as your home, car and boat. It also helps cover defense costs, attorney fees and other charges associated with lawsuits.

 

What Does Umbrella Insurance Cover?

While social distancing remains an important practice during the COVID-19 pandemic, the hurricane season signals the need for additional planning to help keep you and your family safe. FEMA advises that now is the time to prepare for the possibility of a hurricane.

Even if you already know what to do to prepare for a hurricane, you will want to plan ahead for any additional needs in case of a weather emergency, as the COVID-19 pandemic may present challenges to securing provisions.

Here are some tips to refresh your knowledge of emergency storm preparations and help you prepare for a hurricane during the coronavirus pandemic:

Friday, 17 July 2020 15:02

Summer Yard Safety

Backyard entertaining has gotten more elaborate in recent years. Fire pits are helping homeowners extend the backyard season, and today’s playsets involve more than a simple set of swings and a slide. Whether backyard entertaining means spending time by the swimming pool or gathered around the grill, here are some safety tips to help keep your oasis fun and free of danger.

Garden Water Features

Fish ponds, waterfalls and other water features can add a note of serenity to the backyard. They are also particularly attractive to young children, and can be a drowning hazard if proper protective steps are not put in place:

  • Children may drown in as little as an inch or two of water. An adult should watch children at all times when in or near water.
  • Use a rigid, lockable cover or fence in all four sides as you would for a swimming pool.
  • Tightly cover water treatment or chemical mixtures after use.

Trampolines

Trampolines can be fun for kids, but according to the U.S. Consumer Product Safety Commission, they are the cause of nearly 100,000 injuries each year. Avoid being a statistic:

  • Limit the number of jumpers to one at a time.
  • Supervision is needed for children at all times.
  • Remove trampoline ladders after use to prevent unsupervised access by young children.
  • Trampoline enclosures can help prevent injuries from falls from trampolines.
  • Anchor the trampoline and enclosure to the ground by using a trampoline anchor kit.

Playsets

Playsets can be enjoyed by children of all ages, but damaged or weather-worn playsets can cause accidents. Stay safe by:

  • Supervising children.
  • Regularly checking for sturdiness, rusty bolts and wood rot, and making necessary repairs.
  • Inspecting playsets for openings between pieces that could trap a child’s head or neck.
  • Placing playsets securely on level ground and on wood chips or other soft materials to cushion falls and help prevent injuries.

Fire Pits

Warm nights are the perfect time to roast marshmallows. But inadequate supervision or improper use of fire pits can cause injury. Be smart:

  • Place the fire pit in a safe spot away from your home, backyard deck or low-hanging tree branches.
  • Always require adult supervision around the fire pit while it is in use and until it has cooled off.
  • Never leave the fire unattended.
  • Use sand to fully extinguish the fire.
  • Let the coals cool completely and dispose of them in a metal container.

Lawn Mowers

Lawn mowers can easily cause injury. Follow these tips for safety:

  • Read the mower’s manual, heed safety and operating instructions and learn the controls.
  • Do not allow children to ride as passengers on a riding lawn mower, and keep children a safe distance away, and preferably, out of the yard altogether while mowing.
  • Clean up toys and other objects, such as rocks, from the yard to help prevent injuries to you, your loved ones, and pets due to flying objects.
  • Never leave a running mower unattended.
  • Never operate the mower in an enclosed place where carbon monoxide can accumulate.
  • Never unclog or work on a lawn mower while the engine is on or when the spark plug is connected.
  • Wear non-slip shoes or boots (no open toes or heels), and hearing and eye protection. It is also preferable to wear long pants while mowing and/or trimming your lawn.

This summer is a bit different from previous summers -- we are spending more time in our yards -- a we hope these safety tips help you enjoy a safe summer in your backyard.

#BWP


Sources:

Article: Travelers.com
Trampolines: https://www.cpsc.gov//PageFiles/137868/085%20Trampoline%20Safety.pdf

Monday, 01 June 2020 19:29

Grilling Safety Tips

When the warmer weather hits, there’s nothing better than the smell of food on the grill.

Seven out of every 10 adults in the U.S. have a grill or smoker*, which translates to a lot of tasty meals. But it also means there’s an increased risk of home fires.

In 2014-2018, fire departments went to an annual average of 8,900 home fires involving grills, hibachis or barbecues per year, including 3,900 structure fires and 4,900 outside or unclassified fires.

Download the Grilling Safety Tips PDF by the National Fire Protection Association (NFPA)

Thursday, 28 May 2020 23:51

Social Distancing While Biking

Bicycling Safely During Covid-19

We don't know how long social distancing guidelines will continue, but social distancing, even while biking, will most likely continue for the foreseeable future.

According to the Massachusetts Bicycle Coalition (MassBike), "[o]ne of the more confusing parts of our [social distancing] directives is to stay six feet away from others. But how does that really work when you're out riding with others at a steady [15mph]? We've found some interesting studies that have been looking into the aerodynamics of particles when someone is running or biking. Research from one study from Belgium advises that for walking, the distance of people moving in the same direction in one line should be at least [12-15 feet], for running and slow biking it should be [30 feet], and for hard biking at least [60 feet]." Those distances are difficult to maintain in a city or on busy path.

Tuesday, 26 May 2020 14:27

Rules of the Road for Motorists

Sharing the Road with Bicyclists

Now that Governor Charlie Baker has relaxed the stay at home order, more people are likely to take to the roadways on their bicycles. This may not be the best news for those behind the wheel -- the relationship between motorists and bicyclists is often contentious -- but since bicycles are classified as vehicles, bicyclists have the same rights and responsibilities as motorists.

Before your next encounter with a bicyclist, get to know the rules of the road as mandated by the Massachusetts Legislature. (See: Rules of the Road for Bicyclists.) Guidelines from the National Highway Traffic Safety Administration's are includedas well.

Tuesday, 12 May 2020 23:04

Rules of the Road for Bicyclists

Sharing the Road with Motorists

National Bike Month, sponsored by the League of American Bicyclists and celebrated in communities from coast to coast, was established in 1956 to advocate for a bike friendly America, to showcase the many benefits of bicycling, and to encourage more people to try bicycling. Although this year's events are on hold due to coronavirus, the organization is encouraging people to get on bicycles and ride.

Massachusetts Governor Charlie Baker has relaxed the stay at home order, and bicycling is a great way to get out of the house as well as enjoy fresh air and exercise. However, a bicycle is classified as a vehicle, which means bicyclists riding on the roads must obey the same basic traffic laws and regulations that apply to motor vehicle operators.

Before you dust off your bike, fill your tires with air, and map your route, know the rules of the road.

Laws for Bicyclists and Motorists in the Presence of Bicyclists (as amended by Chapter 525 of the Acts of 2008)1

According to Massachusetts Rules of the Road, Chapter 4, "Bicyclists have the right to use all public ways in this state except limited access or express state highways where signs specifically prohibiting bicycles have been posted. When riding on public ways, bicyclists must obey the same basic traffic laws and regulations that apply to motor vehicle operators. The rules for bicycles (including amendments) are listed [below]."

As we are all aware, the Covid-19 virus is now significantly impacting our daily lives and causing concern nationally and globally. The health and safety of our families, friends, employees, and clients is our top priority. As insurance professionals, we recognize that we have a responsibility to our clients, and we need to continue to provide all insurance agency services without interruption or delay.

Our Agency is managing the risk associated with the virus by taking the following steps: Effective March 17th, many employees of Baldwin, Welsh & Parker Insurance Agencies will be working remotely until further notice. We will remain fully operational, but are discouraging all visitation to our offices except for emergencies. Please call or email us for any insurance need you may have. In addition, we encourage you to visit our website to access insurance company claim and billing services.

On behalf of all of us at Baldwin, Welsh & Parker Insurance Agencies, we wish you all good health, and we know you share our confidence that we will demonstrate resolve andnresiliencenas we face the Covid-19 challenge before us.

If you have any questions or concerns, please contact us.

Sincerely,

David C. D’Orlando                         Steven E. Joyce
President                                           Vice President

Tuesday, 10 March 2020 14:39

What is Umbrella Insurance?

What is Umbrella Insurance?

Umbrella insurance provides excess liability insurance coverage that goes beyond the limits of the your homeowners or auto insurance policies. It offers additional protection in the event that you are sued for property damage or injuries. It also protects against libel, vandalism, and slander. The following explains how umbrella insurance works.

Is umbrella insurance necessary?

It’s important to first understand what is covered by standard homeowners and auto policies as well as the potential benefits of umbrella policy. The following may help you decide if umbrella insurance is appropriate for you.

Tuesday, 21 January 2020 20:50

Are Your Valuables Covered? Maybe Not.

Updated January 31, 2020 at 4:15 p.m.

Protect Your Most Valuable Belongings

If you own your home (or have a renters policy), you might be surprised to learn that your standard homeowner's insurance policy doesn't cover the total loss of your most expensive possessions. Most homeowners' policies offer limited coverage for personal items such as jewelry, musical instruments, sporting equipment, cameras, and computers.

 

Standard Homeowners Insurance Does Not Fully Cover Expensive Jewelry & Valuable Items

Standard homeowners and renters insurance policies include coverage for personal possessions such as jewelry, but many policies limit the dollar amount for theft of valuable items. When jewelry is lost or damaged due to theft or fire, it may not be covered — many times it's excluded. Homeowners' policies generally have a $1,000 or $1,500 maximum coverage amount for jewelry loss due to theft. Therefore, when jewelry valued at $3,000 is stolen from your home and you only have a $1,000 limit, you’d only receive $1,000 of the $3000 needed to replace those items.

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