Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the strength of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are: Pipes that are exposed to severe cold, like […]
Presented by Christopher F. Hawthorne, CPCU, CIC Insurance premiums fluctuate annually due to sales and payroll activity of a contractor and also due to loss history. The insurance policy provides money to rebuild damaged property, to defend in a liability suit, to pay settlements as well as take care of employees when they are injured […]
Managing an office that promotes a healthy work-life balance is a trial-and-error process. Between constant accessibility as a result of technology and the pressure to meet deadlines, employee and workplace wellness is too often compromised. It may not seem like your responsibility, but you want to encourage your employees to balance their personal and professional […]
56-percent of companies failed a business risk assessment, operating without basic safeguards against damage caused by cyber-attacks, HR issues and other common operational realities This past summer, we conducted a study to see just how aware Boston area small business owners are of their overall insurance coverage. This was the first study of its kind; we […]
We want to make you aware of an important law that will impact Massachusetts-based employers beginning January 1, 2018. Under a law signed recently by Governor Baker, employers with six or more employees will begin paying a new health care assessment to support the Commonwealth’s Medicaid program, MassHealth. Highlights of the new law It increases the existing […]
Presented by Douglas W. Greene CFP® CLU® Advisors may suggest to their clients that they never take a loan from their 401(k) plan, but things happen, and happen more often than you might think. According to Morningstar, at the end of 2012, 21% of 401(k) plan participates who were eligible had loans outstanding against their […]
While all businesses should have a plan in place to protect their employees and their bottom line when a natural disaster hits, they should also consider their location and the insurance that is necessary to keep their doors open after a catastrophic event. For a detailed disaster plan you can visit the link: https://www.fema.gov/pdf/library/bizindst.pdf Reviewing […]
Regardless of how well prepared you think you are for adult responsibilities, there is always room for improvement – especially when it comes to life insurance. For millennials, life insurance may not feel like a totally immediate concern; however, it is the type of insurance that is too often underestimated and even more complicated than […]