Category: Archives

14 Nov 2019

Why Your Business Needs Employer Practices Liability Insurance

What is EPLI and Does My Business Need It?

Are you wondering if your business needs Employment Practices Liability Insurance (EPLI)? The real questions to ask yourself are: Do I have employees? Will I be hiring employees? If so, then the answer is unequivocally yes! In this litigious society, you should be aware that your business is at risk from the moment you interview a prospective employee. Current, former, and potential employees have the ability to raise a claim, whether one is warranted or not. Therefore, you should secure EPLI coverage for your business.

What is EPLI?

Employment Practices Liability Insurance (EPLI) is coverage that protects businesses against potential employee lawsuits including sexual harassment, wrongful termination, discrimination, invasion of privacy, pregnancy, and more. Although you may be thinking that you have general liability insurance and workers’ compensation coverage in place, be aware that these policies typically exclude employee lawsuits and discrimination allegations. Without EPLI coverage, you leave your business exposed.

Does my business need EPLI coverage?

If you employ even one person, you are at risk for an employment-related claim. These claims tend to be expensive and distractive. Fortunately, with EPLI coverage, you can mitigate the damage from such costly lawsuits and keep your business running with minimal interruption.

How can I reduce my chances of a claim?

Even if you have all of the correct policies and procedures in place, your company is still open to liability. To help prevent an issue from arising, secure insurance and then take note of these proactive steps:

  • Conduct background checks
  • Ensure consistency in your hiring practices for every single candidate
  • Establish defined roles, responsibilities, and performance expectations for all positions
  • Outline employment policies in company handbooks
  • Enforce a zero-tolerance policy towards discrimination, harassment, and substance abuse
  • Implement an open-door policy to help employees feel comfortable reporting harassment or other infractions without fear of retaliation
  • Accurately document every violation or incident and store this information in each employee’s file

As a business owner, you always want to stay one step ahead. EPLI coverage can help your business stay protected. At CAV Insurance Agency, we work with each business to determine their individual needs and budget. Serving Wellesley, Needham, Natick, Brookline, and neighboring towns, contact us today on 781-237-4107 to get started.

17 Oct 2019

How to Inventory Your Belongings for Insurance Purposes

Record Your Home Belongings for Your Insurance Policy

 

Keeping track of your home belongings may seem like an overwhelming task but it’s much better to be safe than sorry. The whole reason you have homeowners insurance in Wellesley, MA is to protect your belongings and property from damage and loss. If the worst does happen, you can turn to your home insurance to help pick up the pieces. It’s far wiser to safeguard your assets now before something happens. Having a home inventory list on hand makes the filing process much quicker and easier – helping you to get back on your feet that much quicker. To help you compile a home inventory without it appearing as a daunting task, we’ve broken it down into quick and easy steps.

 

  • Use an App

Get tech-savvy when documenting your belongings. The app Sortly allows you to easily create, manage, and update a home inventory. You can look up items by location or product information, scan product barcodes, and know the exact contents in your house or storage unit. A home inventory has never been so easy!

 

  • Document Your Belongings

Take pictures and/or videos of each item. Having a visual record helps to evidence for your list and can be useful for the insurance company when assessing the value of claimed items.

 

  • Update Regularly

Taken a box of belongings to the charity store? Bought a new top-of-the-line electrical device or an appliance? Be sure to update your inventory regularly, remembering to remove or add items. Part of what makes a home inventory so important is how relevant and recent it is.

 

  • Assess Coverage

While a standard home insurance policy will protect belongings, it’s best to check whether you have enough coverage. Homeowners often underestimate the value of their belongings and a standard policy may not cover the cost of replacing these items. If you have items of high value, such as jewelry, artwork, and expensive technology products, you may need to have then scheduled on your policy to ensure these items have coverage.

 

  • Store it Safely

It’s a good idea to keep several copies of your home inventory just in case something happens to the original. Keep both a paper and electronic copy handy, making sure to email yourself a copy of the inventory. This helps you to access it quickly when you need it the most.

 

We hope that these tips helped you to prepare a home inventory. With some preparation, your belongings are more likely to be covered by your homeowners insurance in case of a loss. When you’re ready to secure the right home protection, contact the team at CAV Insurance, serving Wellesley, Weston, and neighbouring cities in Massachusetts.

19 Sep 2019
driving on fall roads

Top 5 New England Scenic Drives

Don’t Miss These Unforgettable Scenic Drives in Fall

For many collector car enthusiasts, the Fall is the best time to get out and drive. In New England we are lucky as the cooler temperature also bring out the fall foliage. Whether you have a new, used, or classic car, there is nothing better than a fall scenic drive.

  1. Mohawk Trail, Massachusetts

This popular Massachusetts drive goes through the famous Mohawk trail which is in the northwestern part of the state on route 2. The road winds through the hills and mountains of the Berkshires and offers prestigious views of the trail and the surrounding area.

  1. Central Vermont

Vermont is often known for its natural green mountain landscape, which makes for a great scenic drive. In particular, towns in central Vermont such as Woodstock, Killington, and Ludlow are composed of long winding roads that are calm and captivating during any season.

  1. Old King’s Highway, Cape Cod

This renowned route passes through hundreds of historical sites and stretches the entire width of the cape. You are also able to see the natural essence that the land has to offer, which includes cranberry bogs, salt marshes, and preserved farmlands.

  1. Moosehead Lake, Maine

Route 15 and Route 201 in Maine are popular routes to witness Moosehead Lake and its fantastic mountain scenery. This scenic highway captures the beautiful mountain and lake scenery that will take your breath away.

  1. Kancamagus Scenic Highway

This road takes you on a relaxing drive through the forest and displays some of the best fall foliage that New Hampshire has to offer. This path includes natural incredible views of the White Mountains, Swift River, Sabbaday Falls, and the Rocky Gorge.

One thing you shouldn’t have to worry about when driving your car this fall is the collector car insurance policy. At CAV Insurance in Wellesley, MA  we have a variety of markets to fit you and your vehicle needs. Whether you take it out for a Sunday drive through Dover and Sherborn or you enter your car in a show at Larz Anderson in Brookline we will set you up with a policy that fits your needs.

12 Sep 2019
palm trees in a hurricane

7 Steps to Help You Prepare for Hurricane Season

Hurricane Season Preparedness

Hurricane season is upon us and these tropical cyclones destroy everything their path. New England is no stranger these threatening storms, and it’s important to be prepared for the unpredictable damage that may end up impacting your community.

Hurricanes result in powerful winds, heavy rainfall as well as coastal and inland flooding. These can be troublesome towards the well-being of your family and your home. To combat this, we are going to give you some safety tips, from packing a bag to reviewing your insurance in Wellesley, MA, to help prepare you for these unpredictable superstorms.

  • Make sure you are up to date on the storm’s progress. Keep a radio on hand to be notified if things are taking a turn for the worse or the better
  • Check the batteries of the emergency equipment in your home. Having items such as flashlights, radios, and generators are essential assets to have during this dangerous situation
  • Learn the location of local shelters, or safe routes inland if you live near the coast
  • Stock up on canned food, water, medications, and first aid supplies beforehand
  • Bring loose lightweight objects such as garden tools, garbage cans, and lawn furniture inside
  • If necessary, cover windows and door openings with shutters or another shielding
  • Review your insurance coverage to ensure you have optimum limits

Being prepared is essential for hurricane safety, and these tips can help keep your family, and your property unharmed. At CAV insurance we provide flood insurance to combat these unpredictable forces of nature. We help protect your home’s specific needs with a policy that will be there when you need it most. Give us a call today to learn more!

05 Sep 2019

How to Better Protect Your Personal Information

When was the last time you sat in a coffee shop or airport and used the free Wi-Fi? We all do, but did you know that by doing this you could be compromising your personal information? Here are a few recommendations from the University of Michigan on how you can better protect your personal information:

 

  1. Don’t access personal or financial data with public Wi-Fi –

This may seem like a no-brainer, but you’d be surprised how many people check their bank accounts or make purchases with a credit card while using public Wi-Fi. It’s best to do those things on a secure connection.

  1. Turn off anything you don’t need –

Hackers can use certain features on your phone to get at your information, location or connection. So, instead of keeping your GPS, wireless connection and geo-tracking on all the time, just turn them on when you need them.

  1. Choose your apps wisely –

Only download apps from trustworthy sources that have established a good reputation. Make sure you update your software and apps regularly and get rid of old apps you don’t use.

  1. Use a password, lock code or encryption –

Make sure your passwords are at least eight characters long, with a mix of upper and lower case, and include numbers or other characters, and never use the auto-complete feature for passwords. You can use the storage encryption feature on your phone to protect your private data and set your screen to timeout after five minutes or less.

  1. Be skeptical about links and attachments –

If you’re not sure about the source, don’t use the link or open the attachment.

  1. Trace or erase. Make sure your data is secure if your mobile device is stolen or lost. You can set up your device to lock itself after a pre-set number of failed log-in attempts.

 

At CAV Insurance in Wellesley, MA wework with companies like Chubb who offer a broad range of protection to help keep you and your family safe.

29 Aug 2019
truck on freeway Tips for Selecting Safe Drivers for Your Business

Selecting Safe Drivers for Your Business

Tips for Finding Safe Drivers for Your Commercial Vehicles

Whether you’re a restaurant in search of delivery drivers, a trucking firm looking to expand your fleet, or a start-up who is always on the move, it’s critical to find and hire safe drivers for your commercial vehicles. Hiring safe, qualified drivers can reduce the risks for employees as well as minimize your company’s liability. According to the Occupational Safety and Health Administration (OSHA), motor vehicle crashes cost employers $60 billion each year in medical care, legal expenses, property damage and lost productivity. If your business can avoid the expense of a commercial auto accident, you could save the average costs of $74,000 for injuries and over $500,000 if a fatality occurs. To assist in protecting your business, learn how to choose safe drivers for your vehicles.

Follow a formal hiring policy

Even companies that do not have a large fleet should have a hiring policy in place to ensure drivers are properly vetted before hiring. The policy should include the company requirements, state and federal regulations, and the process on how to hire a driver correctly.

Ask relevant questions

When interviewing, ask each candidate open-ended questions about their driving history and driving habits. You can choose to ask about how they stay alert when driving long distances, how they navigate unfamiliar roads, and what they would do if they were running late. Safety should be the priority in each of these answers. In addition to asking about their traffic violations, ask what they have actively done to improve their driving skills.

Evaluate motor vehicle records

Motor Vehicle Records (MVR) provide valuable information about each candidate’s driving history. Here, you can learn more about whether they have been truthful in the interview and how responsible they are as a driver.

Establish a safety program

Hiring good drivers is the first step. As a business, it’s imperative that you regularly train and monitor your drivers to ensure that your vehicles and business are kept in safe hands. Write up a safety program that includes written procedures, crash reporting, disciplinary action, and driver communication.

Protect your business with commercial auto insurance

Even the safest of drivers get into accidents. If the worst does happen, be sure that you have a commercial auto insurance policy that you can fall back on. At CAV Insurance Agency, we work with each business to determine their individual needs and budget. Serving Wellesley, Arlington, Natick, Concord, Cambridge, and neighboring towns, contact us today on 781-237-4107 to get started.

22 Aug 2019
a digital dashboard in car

High-Tech Cars: What’s New in Car Safety Features

Car Safety Features and Technology in Modern Cars

There’s no doubt about it, technology is changing the way we work, communicate, and drive. That’s right, technology has truly made its way into our everyday vehicles, making for a smoother and safer ride. We’re still a few years away from autonomous vehicles being the majority on our roads, but that doesn’t mean modern cars aren’t getting smarter by the minute. We take a look under the hood of today’s high-tech cars to see some of the emerging technologies and how they make each journey safer and smarter.

Automatic Emergency Braking Systems (AEBS)

Going a step beyond simpler and possibly distracting collision warning systems, AEBS puts the brakes on rear-end accidents. Sensors monitor the distance of the vehicle in front of the car, sending signals to the brakes if a collision is imminent. It assists the driver if they are not quick enough to brake or are not braking hard enough to prevent a crash.

Lane Keeping Assist

When a driver is distracted, ill or tired is when they are most likely to drift from one lane into another. That’s why Lane Keeping Assist was developed – to provide audible warnings to the driver to alert them to the fact that they are drifting. LKA also takes corrective action to keep the vehicle centered in the lane rather than rely on the driver to do it manually.

Traffic Sign Recognition

We’ve all had a moment of apprehension because we didn’t notice a stop sign or a street sign indicating a speed limit change. The latest high-tech cars don’t miss a beat. They can read the street signs that we might miss and then relay this information on the dash display.

Driver Inattention Monitor

This smart monitor registers your face and notices patterns of drowsiness or distraction. Then, the car can warn you and often encourages you to take a break.

Pedestrian Automatic Emergency Braking

One system that is being perfected is the warning system that detects pedestrians near the moving vehicle. Audible warnings can be a distraction as you try to understand what is beeping, which is why tech makers are using cameras or radar to detect pedestrians in your path and then automatically apply the brakes if you don’t do so yourself quickly enough.

Increased safety is the goal of many car developments now. These new safety devices can help to limit collisions, reduce injuries and deaths, avoid costly deductibles, and more. If you have questions regarding auto insurance coverage or would like to speak with a Massachusetts insurance expert from CAV Insurance Agency, call us on 781-237-4107. Remember that it only takes a few minutes to get an auto insurance quote from your local insurance agency.

08 Aug 2019
dark storm cloudsDeveloping a Storm Preparedness Plan for Your Boat

Developing a Storm Preparedness Plan for Your Boat

Prepare Your Boat to Weather a Storm

The summer season offers the perfect opportunity to get out on the water and enjoy your boat. Experienced mariners know how unpredictable the weather can be out on the water. Stormy weather is known not to give much warning; sometimes less than 24 hours is all it takes for the skies to darken and the winds to pick up. This means that you don’t have a lot of time to prepare your boat to withstand extreme wind, rain, waves, and storm surges. Minutes count when there’s a storm coming. It’s wise to develop a written plan that addresses what to do to protect your boat if a storm is coming! Here’s what you should consider.

Secure the Boat

When you hear there is a storm coming, consider hauling your boat out of the water to store it away safely. Keep in mind that other boat owners will consider this, and the boat ramp or marina may get congested very quickly as the storm approaches. If you manage to get your boat out of the water, move it further inland to a convenient area or store it in the garage until the storm has passed.

Leaving your boat at a dock during a storm will have its challenges, but if this is your only option you should aim to reduce damage as must as possible. If you cannot remove your boat from the water, plan to improve the location of where it is docked or moored. Double up all lines and ensure they are in good condition. Inspect the cleats and dock conditions where these are to be secured. You may benefit from securing additional lines around fixed pilings, if possible. Consider the use of additional anchors to keep your boat stable, too.

The Calm After the Storm

Once the storm has passed and it is safe to tend to your boat, it’s time to inspect the damage. Take pictures of the damage and the location as well as writing down a list of all missing items. However, given that storm surges are possible, it’s critical that you consider your safety before boarding your vessel, especially when inspecting for engine and electrical damage.

Preparing for a storm is essential, not only to prevent damage to your own boat but to consider the damage you could possibly cause to neighboring boats or property. If you fail to plan properly for a storm, you could be held legally liable for damages caused by your boat. As such, it pays to take the time to draft a storm plan so that you are prepared to execute the plan if a storm watch is issued.

We understand the specialized insurance needs of Massachusetts boaters, and we are here to give you the peace of mind so you can enjoy your boat throughout summer and beyond! Contact us today and let CAV Insurance Agency put our decades of boat insurance expertise to work for you.

25 Jul 2019

How Much Excess Liability Do You Need?

Determining How Much Umbrella Insurance You Should Have

Accidents happen. Although it’s never pleasant to face a disaster, you may have your insurance policies there to pick up the pieces. But what happens when the damage exceeds your insurance coverage? You could be left paying the rest, which can take a serious toll on your finances. Here is where an umbrella policy, also known as excess personal liability insurance, comes in handy.

An umbrella policy is designed to sit on top of your auto, homeowners, and watercraft liability coverage. If you injure someone in an auto accident or someone gets injured while on your property, your home or auto insurer will help to pay for damages up to the liability limits in your policy. If the damages exceed these limits, the injured party can then sue you for the difference. Fortunately, an umbrella policy can help to protect you and your assets in the event of a liability claim.

How much coverage do I need?

As a general rule, the more assets you have acquired, the higher your risk for litigious encounters. Individuals should seek additional coverage to protect their assets and financial security. Umbrella insurance is typically sold in increments of $1 million and can cost as little as $180 a year for the first $1 million of coverage. However, what you actually pay will depend on a variety of risk factors.

A range of factors will be taken into account when acquiring umbrella insurance. There are some risk factors that call for more insurance than others, such as having teenage drivers, domestic employees, owning watercraft or an ATV, having a backyard pool, serving on the board of a non-profit organization, or being active on social media networks. If you fall into several of these categories, your liability risk is higher than average. In turn, you may need to opt for more umbrella insurance to protect your assets.

Finding the right umbrella insurance protection doesn’t have to be challenging. Talk to the reliable team at CAV Insurance to get started on your policies! Our experts are well-versed in finding the right coverage for unique situations. Contact us on 781-237-4107 to get started.

18 Jul 2019

Builder’s Risk Insurance During Home Renovation

Home Remodeling and Insurance Coverage 

When you’re planning to renovate your property, insurance may be the last thing on your mind. However, you may face exposures not typically covered under a standard homeowners insurance policy when making changes to your property. If a loss occurs during the project, you could be left having to face the expenses on your own. When preparing to add on to the existing structure or update it with new features, your homeowners policy might not provide you with the coverage. If you are doing major renovations to your home you will need a builder’s risk insurance policy.

Builder’s risk insurance is policy for construction projects, including interior and exterior home remodeling and property renovations. It is also used if you are building a new home from scratch. The builders risk policy provides coverage for the materials and structure during the course of construction.

When your home construction project is not properly insured, you risk devastating losses to your home and finances. To properly protect your home during the construction process you will need a builders risk policy.Whether you’re making minor structural changes, or doing a gut rehab, it is important to discuss the project with your insurance agent to see if a builder’s risk insurance policy is needed.

When you’re looking for homeowners insurance and builder’s risk insurance, the team at CAV Insurance can help. Your local agents in Wellesley are ready to find the right coverage to suit your needs, home, and budget. We serve homeowners in Dover, Needham, Brookline and surrounding cities in Massachusetts. Contact us to get started!