Attention Worcester County Massachusetts – Do you have the right amount coverage? 

This question is an important one to ask each year. The passing of years can affect the cost of rebuilding your home or replacing your vehicle. 

Massachusetts Auto Coverage

ATTENTION ALL DRIVERS IN MASSACHUSETTS. Even if you have been driving since you were 16 and have never needed to file a claim. One day you slide on ice/snow and have an accident.

In Massachusetts, an incident like this could end up causing thousands of dollars in damage. If you have collision coverage with a manageable deductible as well as rental car coverage, you’ll most likely end up facing far less financial strain than if you were underinsured or had no physical damage coverage on your vehicle. In Worcester alone, there was over 2,000 accidents in 2020. To check out your Massachusetts crash statistics click here 

Massachusetts Homeowners Coverage

massachusetts home in sunset blue house garage

Our Massachusetts homeowners take pride in home ownership. In Worcester County, 67% own homes. That is higher then the national average. Massachusetts and Worcester County deal with severe weather, sometimes unpredictable weather. Worcester County has heavy snow, flooding rainfall, ice damage and the occasional tornado. It is important to make sure you are completely covered.

As for, homeowners insurance, imagine you have a total loss of your home and you do not have any extended replacement cost on your home, you want to make sure your policy would cover the rebuilding costs no matter what.

Massachusetts Umbrella Coverage

Looking for the extra layer of security?  An umbrella policy can give you just that! Chances are slim that you will lose a lawsuit for a sum greater than what your existing insurance will pay, but if you ever did find yourself in that situation, you could lose all your savings. Even the most careful person with the best intentions can end up on the hook for a huge judgment from a personal liability lawsuit. While you’re unlikely to find yourself in this situation, it’s still smart to protect yourself against such a devastating financial loss. Umbrella insurance can help you do that.

Personal automobile policies in Massachusetts may limit coverage for bodily injury at $35,000 per person and $80,000 per accident, and for property damage at $5,000 per accident.  You may be able to purchase additional coverage, but it may only be limited to accidents associated with your automobile or boat


Upcoming or Recent Changes

Things in Massachusetts and Worcester County are looking up every day. Life will get back to normal before we know it. With normalcy, comes change. Remember, life events like getting married, moving, and when a teen starts driving can all affect your coverage needs and options. Knowing you have the right policy can help bring peace of mind as well as better financial security.

As 2021 gets going, reach out to make sure you’re adequately covered this year. Don’t wait, CONTACT US today to find out how we can save you money and keep you covered.

OSHA Form 300A Posting Requirements Begin Feb. 1

The Occupational Safety and Health Administration (OSHA) requires employers subject to its recordkeeping requirements to post copies of their OSHA Form 300A between February 1 and April 30 of each year.

The OSHA Form 300A, also known as the “Summary of Work-related Injuries and Illnesses,” must be completed by February 1 using data from the previous calendar year.

As a reminder, OSHA’s recordkeeping requirement does not apply to employers

with 10 or fewer employees, or to employers that are in a partially exempt industry.

Employer Action Steps

On February 1, employers subject to OSHA recordkeeping requirements must ensure that copies of their completed Forms 300A are posted in each of their establishments. The form must be displayed in a conspicuous place or places where notices to employees are customarily posted.

Until April 30, these employers must also ensure that their Form 300A postings remain in place and are not altered, defaced or covered by other material.

Employers should retain their OSHA 300 log, the privacy case list (if one exists), the annual summary and the OSHA 301 incident report forms for five years following the end of the calendar year that these records cover.

Annual summaries must be posted in each establishment in a conspicuous place or places where notices are customarily posted


We can help you with this. Contact us today.