Category: Archives

21 Feb 2019
What to Do If Your Identity is Stolen

Identity Theft: What to Do If It Happens to You

Steps to Take Immediately If You’ve Been a Victim of Identity Theft

Thieves are opportunistic. Especially when it comes to identity theft. They tend to exploit simple vulnerabilities in individuals’ information, and security practices, and gaining small and simple data helps them to steal more. In many cases, signs of identity fraud can take weeks or months to reveal themselves.

This fraud is when someone commits a crime or fraud in your name using your stolen personal information. Identity theft is the fastest growing white-collar crime across the nation, impacting everyone from Wellesley to LA. More reliance on digital technology and smarter hackers means that no one is immune to identity fraud.

If you are a victim of identity fraud, it’s important to act quickly to resolve the issue. Here are some steps that you should take immediately:

  • Flag your credit reports. Contact the fraud department of one of the three major credit reporting agencies: Experian, Equifax, and TransUnion. Inform them that you have fallen victim to identity fraud. Ask them to place a “fraud” alert in your file and confirm that they will contact the other two companies on your behalf.
  • Get copies. It’s a good idea to ask for a copy of the credit report. If your report is inaccurate because of fraud, then they are required to give you a free copy.
  • Consider a credit freeze. You may want to place a credit freeze on your credit file, which means that the potential creditors cannot get your credit report. Doing this makes it less likely that a potential identity thief can open accounts in your name. To do so, contact the Massachusetts Attorney General’s office, and then contact each credit reporting company.
  • Call creditors. Call each of the creditors about any accounts that have been charged or opened fraudulently. Keep in mind that the credit fraud may have been going on for some time without you realizing, so look into previous transactions as well as current ones.
  • File a report. File a report with your local police. Make sure to acquire a copy of the police report so that you can have proof of the crime.
  • Keep records. Keep detailed records of your conversations and all correspondences in case there are any discrepancies.
  • Change account PINs and passwords. Changing your password and PIN should occur every few months to keep risks at bay, but this is especially important to do after identity theft.

To help protect your finances or business from a disaster, contact the professionals at CAV Insurance today.

14 Feb 2019
Creating a Workplace Fire Safety Plan Can Help Protect Your Workers and Business

Does Your Business Have a Workplace Fire Safety Plan?

Steps to Create a Fire Safety Plan for Your Business

Fires can occur anywhere and at any time. If you own or manage a business, it is your responsibility to put fire safety measures in place and protect your employees, company, and yourself from the devastation that can result in a workplace blaze. Does your business have a workplace fire safety plan in place? A comprehensive plan provides information to your team on how to handle a fire emergency and helps to ensure that your business is prepared for the unexpected.

If you don’t have an emergency fire plan for your business, now is the time to create one. Being prepared means that you’re one step ahead of a disaster, and that means your business can quickly get back on its feet after a disaster. If you need to create a safety plan, we can help.

Your fire safety plan should highlight emergency procedures that should be used in the case of a fire, including sounding the alarm, alerting the fire department, and carefully evacuating building occupants. It is critical that all employees and managers read through the plan and understand what is expected of them in a fire. Remember, the plan should be discussed before any disaster – the time to learn safety procedures is not during an emergency.

The elements of your plan should include the following:

  • The duties and responsibilities of staff during an emergency
  • Instructions for building occupants and staff on fire prevention methods
  • Steps on what to do in case of a fire
  • How to conduct a fire drill
  • The frequency of fire drills
  • Detailed maintenance procedures for fire protection systems and building facilities
  • Location of fire alarms, extinguishers, and sprinklers
  • Detailed instructions on the use of any emergency equipment, such as the fire alarm system, smoke control system, and fire extinguishers
  • Procedures for the use of elevators and the evacuation of employees requiring special assistance
  • An accountability system that can account for all occupants following evacuation, including notification to the fire department of any missing occupants and their last known location

Although you cannot completely prevent a fire from affecting your business, the steps you can take today are critical to how you can recover after a disaster. Mitigating fire risks can help you and your business to stay safe. To secure reliable business insurance, please contact CAV Insurance, serving Wellesley and Weston.

31 Jan 2019
Tips to Help Employees and Visitors Stay Safe in Parking Lots

Tips to Help Employees and Visitors Stay Safe in Parking Lots

Keep Parking Lots Safe for All

Employees, guests, visitors, vendors, yourself, and others – the parking lot is an appreciated convenience for all. While you may not pay much mind to this space, disasters can happen that leave you responsible. Slippery conditions, uneven surfaces, and poor lighting can make parking lots dangerous and hazardous. A well-maintained and well-lit parking area can help to keep your employees and visitors comfortable and safe.

Slips, trips, and falls can result in serious injuries to visitors. This seemingly minor risk has the potential for lawsuits. It’s important to know the particular risks of your area and take appropriate precautions to safeguard individuals. Take a look at these tips on how to keep employees and visitors safe in your parking lot.

  • Ensure there are no tripping hazards. Make sure walkways and other paths are clear of holes, poles, rocks, and debris that someone could trip over. Curbs and sidewalk joints should be even, and level changes should be visually identified, such as marking with yellow safety paint.
  • Install adequate lighting. During non-routine work hours such as early mornings or late evenings, your parking lot should be lit well so that people can clearly see vehicles and paths. Exterior lighting is important year-round, and should be adequate for nighttime use.
  • Maintain handrails. Handrails or guardrails should be installed at level changes and for the stairs and ramps. Make sure they are stable and at the appropriate height.
  • Establish clear signage. All entrances, exits, pedestrian crossings, and parking areas should be signposted clearly. Landscaping and signs should not block driver visibility.
  • Maintain proper drainage. Standing water can be an issue for pedestrians as well as vehicles. If your business’s parking lot has standing water, there is a potential for ice during the winter, which can open you up to more risks. Make sure that drains are away from pedestrian areas and are well maintained.
  • Establish a snow maintenance program. Make sure that you have a reliable contract with a local snow removal company to make sure the parking lots and sidewalks are free of snow and ice.

Make it easy for employees and visitors to report conditions in the parking lot, whether they feel unsafe or in danger. Management should receive these comments well and take action to correct an issue promptly. Doing so can help keep your business running smoothly.

A small investment parking lot safety for your business can help to avoid disasters. To find out if your business insurance is ready for the worst, call CAV Insurance Agency on 781-237-4107. We serve business owners in the Metro West areas such as Natick, Wellesley, Dover, Sherborn, and Weston.

24 Jan 2019
How Cyber Planning Can Help Protect Your Company

How Cyber Planning Can Help Protect Your Company

Protecting Your Business From Cyber Breaches

Every business owner will know that cyber breaches are on the rise. After all, with our increased reliance on technology, software, and devices, comes the rise of risks to our data and information. Hackers see businesses – of any size – as a goldmine of important information. It’s incredibly important that your businesses acts to protect confidential data and all of your systems so that your company can keep running smoothly. Establishing a cyber plan and securing reliable business insurance in Wellesley, MA can help your business recover quickly if the worst does happen.

Believe it or not, but the human has become a weak link and the number one target. Research has found that over half of all malware is installed via malicious email attachments. With that said, as a business owner, you can your team recognize malicious emails and report them as necessary. Take a look at these pre-breach steps you can take to protect your business.

Train your employees for today’s threats. Regularly update your cybersecurity training to reflect the latest risks and potential ways of hackers gaining entry into the business’s system. Test employees on their skills of how to respond to phishing emails and how to identify other communications with malicious intent. If your team sometimes work remotely, train them on how to protect your network when working remotely or when using mobile devices.

Encrypt and back up business data. If the worst does happen, you want to ensure your data is safe. Encrypting your data means that a hacker is less likely to gain access to your information and readily understand it. Backing up your data means that you don’t just have one copy to rely on.

Consider cyber liability insurance. Cyber liability insurance is designed to protect your business if it falls victim to a cyber breach.

Although you cannot completely prevent a data breach from affecting your business, the steps you can take today are critical to how you can recover after a breach. Ignorance isn’t bliss when it comes to cybersecurity. Mitigating digital risks can help you and your business to stay safe. To discuss the cyber insurance options that are available for your business please contact CAV Insurance, serving Wellesley and beyond.

17 Jan 2019
How to Leave Your Home Safe for Your Winter Vacation

How to Leave Your Home Safe for Your Winter Vacation

Winterize Your Home Before Leaving for Vacation

Are you lucky enough to be escaping the winter weather on a sun holiday or hitting the slopes for some downhill fun? During this time of year, skiing in New Hampshire and Vermont is ideal, and many individuals, couples, and families take advantage of the fresh snow in the New Year. If you’re grabbing your skis for a weekend of fun, you will want to be sure you leave your home safe and protected. Your home is more vulnerable to vandalism, burglaries, storms, and freezing temperatures in January. Luckily, with these tips and reliable home insurance in Wellesley, MA, there are numerous steps you can take to minimize the risk.

  • Unplug all unnecessary electrical devices. Walk through your home and unplug toasters, computers, TVs, chargers, and clocks that will draw power and create that small risk of fire. Leave essential appliances on, such as the refrigerator, and lights on a timer.
  • Turn down the heat. When no one is in the house, a setting of around 55 degrees is adequate to keep the pipes from freezing and then bursting. If you have pets or houseplants, you may want to raise the temperature accordingly.
  • Turn off the main water supply. To ease your mind while you’re away, it’s a good idea to turn off your home’s water supply and open all faucets and drain them.
  • Ask a trusted friend or neighbor to check in on the property. Ask someone you trust to visit the property often. He/she can bring in the post, water the plants, feed the pets, and ensure all is well with the house. Make sure that your friend has your contact information and basic knowledge of the house.
  • Don’t give burglars a chance. Burglaries raise in winter, as many take the opportunity to break into a home when they know the homeowners are on vacation. Before you leave, ensure all windows and doors are sealed and locked. Never leave keys outside the property, such as under a plant pot.

Finally, relax and enjoy your trip! If the worst does happen, and despite your best efforts, an incident occurs, be sure that you can fall back on reliable homeowners insurance. 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!

27 Dec 2018
What Collectors Should Know About Classic Car Insurance

What Collectors Should Know About Classic Car Insurance

Protecting Your Classic Vehicle


Are you the proud owner of a classic car? Maybe you’ve been thinking about purchasing one before the warm weather months hit Massachusetts? Whatever the case, there are some things you should know about insuring your classic car. Auto insurance in Wellesley, MA can be tailored specifically for your classic car, meaning that you get custom protection for your one-of-a-kind ride. To help, we’ve noted a few things that collectors should know about classic car coverage below.


  • Coverage is not expensive.

It’s a common misconception that simply protecting your vehicle will cost you a fortune because the vehicle is a collectible. Believe it or not, but insuring your classic car doesn’t need to cost the earth. Most insured pay less for their classic automobile in comparison with the car they drive on a regular basis.


  • Limited use of the vehicle is expected.

Most car collectors take great care of their vehicles and don’t like to drive them just to run to the supermarket. Insurers expect classic cars to be driven less frequently than your commuter car, and coverage is priced accordingly. Typically, collectible car policies have mileage tiers starting at 2,500 per year, and higher tiers can be purchased.


  • Coverage should be expressed as an agreed value.

If you are looking for higher value coverage, you will need to have the vehicle independently appraised. Unlike regular cars that lose value the minute they are driven off the dealership lot, collectible cars can appreciate in value over time.


  • Interested in racing? Talk to your insurer first.

Generally, classic car insurance will not cover your vehicle in a race. Until you’ve confirmed you’re protected, no racing!


  • Claims happen most frequently on your property.

Classic cars of often cooped up in the garage more often than they are cruising the open road. Damage to classic cars tends to happen on the owner’s property rather than the road, making the nature of most claims very different from a typical Massachusetts auto insurance policy.


At CAV Insurance Agency, protecting your classic car comes naturally. We have access to specialty companies such as Hagerty, Grundy, and AIG, these carriers these carriers offer policies designed specifically for your collector car they take into consideration the limited seasons we have up here to drive these cars. At CAV Insurance we serve motorists from Dover & Sherborn to Wellesley, Needham and Weston and neighboring towns. Contact us today and let us put our decades of collector car insurance expertise to work for you!

20 Dec 2018
Does Your Car Need to Clear of Ice and Snow Before Driving in MA?

Does Your Car Need to Clear of Ice and Snow Before Driving in MA?

Preparing Your Vehicle for Winter Roads


It’s that time of year again. Although it’s one of the merriest seasons, snow and ice can cause havoc on the roads for motorists in MA. To help you keep yourself and your vehicle safe, make sure you understand what is required of you as a driver in winter.


According to the Massachusetts Registry of Motor Vehicles Driver’s Manual, Massachusetts drivers should “remove ice and snow from your vehicle before driving. Clear all windows, windshield, wipers, headlights, and brake lights. Clear the roof so ice and snow does not blow into vehicles behind you.” Not only does this help you to see what’s around you, but it helps to keep the roads and other motorists safe.


Although there is no official law in Massachusetts stating that you’re legally obliged to remove the snow from your vehicle before driving, it does make sense. However, just because it is not a state law doesn’t mean that the state and local police can’t hand out tickets and/or fines. If the police believe that your vehicle is a threat to other motorists or pedestrians, the general driving laws could mean that you end up with a fine or ticket.


The Massachusetts Turnpike Authority, the Massachusetts State Police, and local police departments are legally able to prohibit vehicles from using the roadway if debris (which can include snow, ice, and frost) could fall from the vehicle and endanger individuals and/or property. For your own safety – and wallet – all of the ice and snow should be removed from your vehicle before driving.


For updates on road and traffic conditions around Massachusetts, drivers can dial 511 to hear real-time conditions, visit Mass 511 online, or download MassDOT’s GoTime mobile app!


Now is a great time to review your auto insurance to ensure you have plenty of coverage on the roads. Winter driving conditions mean that accidents and breakdowns occur more frequently. It’s wise to maintain reliable auto insurance protection.


To get started on your tailored policy, contact the team at CAV Insurance Agency in Wellesley. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of auto insurance expertise to work for you!

13 Dec 2018
Driving Tips for the Winter Months

15 Driving Tips for the Winter Months in Wellesley

Tips for Safer Driving in the Snow


Like it or not, it’s just going to get colder from here. We know that many of our customers are seasoned Bay Staters who have driven in the cold and snow year after year. However, it’s never a bad idea to brush up on your safety. Whether you’re located in Wellesley, Sherborn, Belmont, or Boston, we’ve got just the winter driving tips that can help you stay safe on the roads.


  1. Never warm up your car or leave it running in an enclosed space, such as a closed garage.
  2. Make sure your gas tank is always more than halfway full in case of an emergency.
  3. Ensure your tires are properly inflated.
  4. Never use boiling water to de-ice your windshield. The rapid change in temperature can cause the glass to crack.
  5. Take your time to clear snow and ice from all windows and lights.
  6. Tune into local traffic reports to stay up to date with current road conditions.
  7. Increase your following distance, especially when the roads are slick with rain, ice, or snow.
  8. Avoid using cruise control when driving on a slick surface.
  9. Use your brakes early and gently when you need to come to a complete stop.
  10. Don’t pump anti-lock brakes. Instead, ‘stomp and steer’ if you need to make an emergency stop.
  11. If the conditions get worse, don’t drive unless absolutely necessary.
  12. Make sure your car’s emergency kit is fully stocked at all times.
  13. Take your time! Give yourself plenty of time to get to your destination so that you aren’t tempted to speed. If you are driving in the snow, remember that everything takes longer – accelerating, braking, and turning.
  14. Trucks are heavier than cars. They will take longer to safely respond and come to a complete stop, so avoid quickly cutting in front of them.
  15. Review your auto insurance to ensure you have adequate coverage.


Driving can be unpredictable in snowy, wintery conditions. Take proper precautions before you hit the road as well as when you’re on the road to keep yourself and those around you safe.


These tips will help you to stay safe on the roads this winter. If you find yourself in a bad situation 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. For more winter and driving tips, stay tuned to our blog!

29 Nov 2018
3 Questions to Ask About Life Insurance Coverage

3 Questions to Ask About Life Insurance Coverage

What You Should Know About Life Insurance

You work tirelessly to provide for your family. From washing the dishes to providing family holidays to working towards life goals, you are there for it all. When you’re thinking about your family’s future, however, you should consider life insurance in Wellesley, MA. If you’re in the market for life insurance, here’s what you should know about life insurance.

How does it work?

Life insurance is designed to support your family and loved ones when you are no longer around to do so. It provides a payment in the event of your death that helps to protect your family’s finances and lifestyle. From everyday expenses such as a mortgage and car payments to long-term goals like funding your child’s college education and allowing your spouse to retire on time, life insurance can help support your family’s finances.

What types of life insurance coverage are available?

Typically, life insurance policies fall into two categories: term and permanent. Term life insurance is set for a specific period of time, such as 5, 10, 30 years. If you were to die within this term, the policy would pay out. If you survive the term, you would have to renew it for coverage. This is ideal for families that want to help with specific expenses, such as a 30-year mortgage. Permanent insurance, however, covers you for your entire life (as long as premiums are paid). Permanent coverage also includes an investment component, meaning you can borrow against your policy when finances are needed.

When should I get life insurance?

The right time to buy life insurance is the time at which it would benefit you! Most people take out life insurance when a major event happens, such as they get married, buy a home, have a baby, or take on a new job with a higher income. However, even if you have no dependents, you can still take out life insurance. Coverage can help to pay for remaining debt and funeral costs when you die, meaning that you don’t leave loved ones in the lurch. Talk to your insurer to determine if a life insurance could help your future finances and family.

Not sure how to get started? Talk to the Massachusetts life insurance experts at CAV Insurance Agency are well-versed in suiting the right policies to each individual. Give us a call today on 781-237-4107 to learn how life insurance can help you.

15 Nov 2018
Winter Maintenance Tips for Landlords in MA

Winter Maintenance Tips for Landlords in MA

MA Landlords, Get Your Rental Properties Ready for Winter 

Massachusetts winters are never quite complete without cold, harsh weather and snow. Since winter is right around the corner, it’s wise for property owners to get their buildings up to scratch. Just as we pull on heavy sweaters and gloves, properties need a bit of TLC to weather the winter ahead, too. As a landlord in the Boston are here are some essential maintenance tasks.

  • Seal up gaps in windows and doors

Walk around the property and see if you can feel any cool air being let in through gaps in the windows and doors. If you visit the property on a windy day, it may make it easier to detect any air leaks. These gaps can increase heating bills, which is not ideal for any tenant. Fill in gaps with weather-stripping and caulking to prevent cold air leaking into the property. If the caulking is dry and cracking, peel it off and replace it.

  • Service boilers/furnaces

Call out a professional to make sure that the heating system is in good condition for the cold winter ahead. Having access to heat is a basic right of all tenants under landlord-tenant law, so avoid fines by completing the necessary checks and servicing it before the winter temperatures arrive.

  • Check the insulation

Insulation helps to keep a property’s heat inside as well as lowering the utility bills for the tenant. You can have insulation installed in the attics and crawlspaces to help with heat retention. If there are any exposed pipes, wrap insulation around them to prevent them from freezing.

  • Clear out the gutters

Fall may have clogged the gutters with leaves, twigs, dirt, and other debris. Make sure to clean out the property’s gutters so that blockages do not occur. If gutters are clogged, it could prevent melting snow from being able to drain properly. In turn, this can cause roof leaks as the water will seep inside.

  • Inspect trees on the property

Snow, ice, and high winds have the potential to snap off tree branches or cause entire trees to fall. To keep your property – and tenant – safe, it’s a good idea to prune back any trees on the property. Pay attention to the trees that look weak and rotted.

  • “Add something on making sure you snow removal services are in place.”

Landlords, another great way to protect your property is to secure reliable insurance. At CAV Insurance Agency in Wellesley are ready to find the right coverage to suit your needs, property, and budget. We serve landlords in Boston, Brookline, Newton and surrounding cities in Massachusetts. Contact us to get started!