DOT # – September 1st – TIME IS RUNNING OUT

DOT # Changes:
Some mothers and fathers may be looking forward to summer ending, however I am sure a lot of small business owners operating pick up trucks and trailers in Massachusetts are wishing they had a few more weeks. There are big changes to who needs a DOT # coming September 1st.
Have faith – there is still time!!
September 1 is the deadline to obtain a DOT # and properly display the name of your company, address Phone # and DOT number on all commercial motor vehicles that weigh 10,001 lbs or more or in combination with a trailer weigh even if you do not travel out of state
Important distinction: You do not need a DOT# if you operate a motor truck or in combination with a trailer that has a maximum load capacity of 2,000 lbs -10,000lbs BUT you do need to have your vehicles MARKED according to the 540 CMR2.22
So lets recap – You need a DOT# and proper marking if:
  • You are the owner of motor truck used for the transportation of goods, wares or merchandise for hire, gain or reward
  • Engaged in intrastate commerce having a gross vehicle weight rating or gross combination weight rating of 10,001 or more pounds
  • Used in the transportation of hazardous materials in a quantity requiring placarding; or Designed to transport more than 15 passengers including the driver, used in intrastate commerce in Massachusetts


If you have any questions, or need to obtain your DOT # by the deadline, please contact our office and speak to our highly trained Commercial Lines Representative that can walk you through the process and answer any questions you may have. Your Business First…

Renter’s Insurance – What You Need To Know

According to a 2016 poll by the Insurance Information Institute, only 40% of tenants carry renter’s insurance.

Renter’s insurance is usually thought of as “optional” coverage – it just makes sense to add an insurance policy that covers that loss of your possessions. Just because you rent doesn’t mean your possessions are any less valuable!

Who need renters insurance?

Everybody who rents! In the result of a fire, flood or other disaster, your landlord’s insurance does not cover your possessions. The only things that their insurance covers is the building and grounds – not the contents of each unit.

Renter’s insurance covers your belongings,  in the event of :

  • Fire
  • Smoke Damage
  • Vandalism
  • Theft
  • Lightnighg
  • Some types of water damages (burst water pipes, or leaks from upstairs)

When was the last time you looked around at your possessions and took inventory? You might be surprised at how valuable your possessions really are and what it would cost to replace them. Keeping an updated inventory records will be extremely valuable if you ever have to file a claim. There are many resources you can use that can help create a home inventory (check this one out).

What else does renters insurance cover?


Renter’s insurance also offers an add-on liability protections which protects you from lawsuits should someone be injured on your property.

Another big bonus to renter’s insurance is that some policies offer what is called “off-premise coverage”. This means that your belongings are covered outside of your home. For example, if you are staying in a hotel or your car is broken into – they are protected.

How much does renters insurance cost?

The short answer is: not much, compared to the cost of replacing all your stuff. Some insurance policies offer a discount to your auto or business insurance if you add on renter’s insurance – making the cost even more affordable. Working with your agent is the best way to find which coverage and policy is for you. Your agent will help go through your list and determine if you need “actual cash value” or “replacement cost” coverage. Determining this will determine the cost of your premium.

Providing A Safe Environment For Women In Construction

As increasing numbers of women enter the construction trades, concerns about their health and safety are growing. In addition to the primary safety and health hazards faced by all construction workers, there are safety and health issues specific to female construction workers. The small percentage of females within the construction trades and the serious health and safety problems unique to female construction workers have a circular effect. Safety and health problems in construction create barriers to women entering and remaining in this field. In turn, the small numbers of female workers on construction worksites foster an environment in which these safety and health problems arise or continue.

Hazards for Women on Construction Sites

There are common hazards for women that work on construction sites. Know how to identify these risks to keep your employees safe:

Workplace culture: The construction industry has been overwhelmingly male-dominated for years, and on many job sites, female construction workers are not welcome. Isolation—working as the only female on a job site or being ostracized by co-workers—evokes both stress and fear of assault. Many female construction workers say they are reluctant to report workplace safety and health problems for fear of being tagged as complainers or whiners, which would further strain their workplace relationships and jeopardize their employment.

Hostile workplace: A hostile workplace presents safety and health concerns on several levels, ranging from a lack of training and safety information to physical assault. The effects of a hostile workplace are visible in acute as well as chronic stress reactions. OSHA has already begun to recognize workplace violence as an occupational safety and health issue.

The National Institute for Occupational Safety and Health (NIOSH) found that in a one-year period, 41 percent of female construction workers suffered from gender harassment.

Sexual harassment: Sexual harassment is a serious problem for female construction workers. Sex discrimination and anti-women attitudes are still prevalent on worksites, despite the fact that sex discrimination is illegal. According to a USA Today analysis of U.S. Equal Employment Opportunity Commission and Bureau of Labor Statistics data, female construction workers have the second-highest rate of sexual harassment complaints per 100,000 employed women.

  • Sexual harassment complaints at worksites range from subtle forms such as being stared at or seeing “pinups” of naked and nearly naked women to more blatant forms such as unwanted sexual remarks (including comments on appearance), being touched in sexual ways and sexual assault.
  • One illustration of how sexual harassment is an occupational safety and health issue is prevalent in a recent settlement between a construction company and 14 employees, seven of which were female. According to the Department of Labor, L&M Construction permitted sexual harassment, retaliated against workers who complained about a hostile work environment and interfered with a federal investigation. During a workers’ outreach forum in 2012, department officials were alerted to complaints of sexual harassment that included inappropriate touching, lewd acts, sexual gestures, comments and propositions directed at female employees of L&M. Officers discovered that the company terminated nine employees for complaining about the hostile work environment created by this harassment and fired an additional five workers to prevent them from being interviewed during a compliance review.

Hazard reporting: The work culture described above—combined with female construction workers’ more tenuous hold on their jobs than that of the more senior workers or male workers—often deters women from reporting unsafe or unhealthy working conditions. Women in a NIOSH study reported that they could not bring up the issue of proper restrooms or worksite safety, because doing so might threaten their employment.

Access to sanitary facilities: Access to sanitary facilities is frequently a problem on new construction sites. Temporary facilities are usually unisex, often without privacy and generally not maintained well. The availability and cleanliness of restroom facilities are major concerns for women. According to a survey report by Chicago Women in Trades (CWIT), 80 percent of female construction workers have encountered worksites with either dirty toilets or no toilets whatsoever. Respondents to the CWIT survey said that facilities, when available, were filthy or were some distance from the site. Unclean facilities and the avoidance of using them can result in disease, including urinary tract infections (which can happen when a person delays urinating). Because of this, women report that they avoid drinking water on the job, risking heat stress and other health problems. Courts have found that the lack of appropriate sanitary facilities is discriminatory and violates OSHA standards.

Personal protective equipment (PPE) and clothing (PPC) fitment: Many women in nontraditional jobs, such as the construction trades, complain of ill-fitting PPC and PPE. Clothing or equipment that is not sized properly or does not fit can compromise personal safety and the protection offered. It also may not function effectively in the manner for which it was designed. This can cause serious health and safety risks for women.

  • Ill-fitting PPE may be due to unavailability (e.g., manufacturers don’t make it or distributors don’t stock it), limited availability or lack of knowledge among employers and workers about where equipment designed for a woman’s body structure can be obtained.

Ergonomics: Studies have shown that to reduce work-related musculoskeletal disorders, tools, materials and equipment should be designed based in part on ergonomic considerations. Tools and equipment, like clothing, are often designed to be used by average-sized men.

  • Handle size and tool weight are designed to accommodate the size and strength of men, yet the average hand length of women is 0.8 inches shorter than the average man’s. A woman’s grip strength averages two-thirds of the power of a man’s grip. The grips of tools are typically too thick. Tools like pliers require a wide grasp, which puts too much pressure on the palm, leading to the loss of functional efficiency. In addition, women do not receive training on how best to use tools and equipment designed for men.

Reproductive hazards: There is inadequate information on the extent to which female construction workers are exposed to reproductive hazards in the workplace. Reproductive hazards are defined as chemical, physical or biological agents that can cause either reproductive impairment or adverse developmental effects on fetuses.

  • Only a few agents or conditions have been identified as being capable of producing structural abnormalities or birth defects, with a fraction of those being common to construction sites (e.g., polychlorinated biphenyls (PCBs), hypothermia and, for hazardous waste workers, ionizing radiation). In addition, several agents such as lead, solvents and pesticides have been recognized to affect sperm development. The vast majority of construction workers are of reproductive age and are at risk of potential harm if exposed to chemicals and conditions which have not been fully studied with respect to their reproductive hazards in humans.
  • Some employers find it easier to resolve potential problems by denying jobs to women, especially pregnant women. This is in spite of Supreme Court rulings prohibiting employers from continuing such a practice. While these actions may be well-intended, their effect is needless limitation on work opportunities for women. This can lead to discriminatory treatment and result in a female construction worker hiding her pregnancy, possibly endangering herself and her unborn child.

Recommendations for Improving Female Safety

Take steps to promote the safety of female employees:

Workplace culture

Include sexual harassment prevention training in safety and health programs.

Ensure all communication materials are gender-neutral and include women. Visual materials should include examples of female construction workers to promote an integrated construction workplace.

To address the problem of workplace isolation, employers, apprenticeship programs and unions (where responsible) should assign female workers to work in groups of two or more when possible, especially those who are relatively new to the construction trade.

Make sure supervisors are trained in ensuring the safety of female workers and can answer any questions workers may have.

Sanitary facilities

Gender-separate sanitary facilities should be provided on worksites.

Where changing rooms are provided on construction sites, they should also be gender-separated and provided with inside and outside locking mechanisms.

Employees should be allowed to use sanitary or hand-washing facilities as needed.

Toilet facilities should be kept clean and in good repair with clean toilet paper within reach.

Hand-washing facilities should exist within close proximity to toilet facilities.

Health and safety training

Employers and unions should make skills training courses available and encourage all workers to take advantage of them.

Journeymen should establish mentoring relationships with new workers to provide informal skills and safety training.

Supervisors need to emphasize safety as well as productivity on the job site.

Employers should emphasize that safety training is as important as skills training.


The design of PPE and PPC for women should be based on female measurements.

Union apprenticeship programs should provide female construction workers with resources on where to find equipment and clothing that fits.

Employers should make sure that all workers of all sizes have well-fitting PPE and PPC for safe and efficient performance.


It should be accepted that some workers need to use different lifting and material handling techniques.

Employers, unions, apprenticeship programs and other training entities should review skills training programs to see whether alternative methods are included for getting work accomplished by workers of different sizes or strengths. All programs should emphasize the importance of safe lifting.

Workers need to hear from employers and unions that it’s acceptable to ask for help and to explore alternative ways to lift and carry.

All workers should be trained in the proper ways to lift and bend.

Reproductive hazards

Employers should post Safety Data Sheets (SDS) for each chemical present on the worksite.

Workers should read all SDSs and share the information with their physicians if they are pregnant or planning to start a family.

All workers should educate themselves about the potential reproductive risks from exposure to certain chemicals.

Employers should make reasonable accommodations for workers in later stages of pregnancy, rather than forcing them out of the workplace.

During the later stages of pregnancy, women should consult with their physicians about strenuous physical activities on the job.


If you have questions, or would like access to more material like the article you just read, contact us at Anastasi Insurance Agency.

Heatwave Safety

Heat danger comes in many forms and ranges across a whole spectrum from inconvenient and itchy to downright deadly. When a heatwave is approaching, thinking ahead and being properly prepared and equipped will help you maximize your fun in the sun.

Basics Reminder:

  • Stay hydrated (Water is best)
  • Wear sunscreen
  • Know when to retreat indoors or to shade

It is important to know how to recognize the signs and symptoms of different heat-related illnesses. Heat related illnesses and fatalities are serious business. CDC says that, on average, 658 people a year die from heat-related illnesses.

Heat exhaustion: this can look like heat stroke, but is not as serious. Heat exhaustion can be addressed with hydration and moving to a cooler area.

Heat Stroke: is a serious and possibly deadly condition.

Check out the below graphic from the CDC website to recognize the symptoms of both. This graphic is important to keep handy during a heatwave.


The staff at Anastasi Insurance understands the many pressures facing a small business owner today and your need for fast accurate results. From juggling the needs of employees and customers to managing cash flow and staying ahead of intense competition, we are in a unique position to help you evaluate the cost of assuming risk or transferring that risk to an insurance company or surety.

Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need.

Exceptional customer service is our core value. We’re here to answer questions, provide quotes, and get you on track after a setback. As a member of Renaissance Alliance, we represent over 40 top insurance companies, allowing us to aggressively negotiate terms and conditions on your behalf.

Contact Anastasi Insurance today!