Category: Archives

20 Jul 2017
Homeowners Safety While on Vacation

Homeowners Safety While on Vacation

Heading out on a holiday? Be sure to protect your home!

Where is this summer taking you? Whether it’s a tropical, action-packed, or relaxing holiday, many people go on holiday over the summer months. With time off work and school, it makes it ideal for families, couples, and individuals alike. While you’re packing to head out on holiday, ensure that you’ve taken the necessary steps to protect your home.

Ask a friend. Ask a relative, friend, or trusted neighbor to visit your home a couple of times a week. He or she can water the plants and check that the home is safe and sound.

Limit social media messages. It’s possible anyone to see your social media profile and messages. Posting about an upcoming vacation may get you in the mood for fun, but it makes it easy for thieves to know when your home will be empty. Instead, post pictures about your holiday when you’re back home.

Remove the key. Now is the time to remove the spare front door key that’s hiding underneath the welcome mat. Thieves will take advantage of scoping out places to hide keys, so be sure that you don’t fall victim!

Unplug and shut off. Before you leave, unplug minor appliances (TV, chargers, some lights), and shut off the water value. This way, the risk of your home suffering from damage decreases.

Make it looked lived in. You don’t want people to know you’re away while you’re away. Combat this by setting lights on a timer to switch on during the nighttime, and consider lowering or turning off your telephone ringer. While you’re at it, cancel milk and newspaper deliveries.

Pack discretely. Take care when loading up the car with luggage. You don’t want to attract any unnecessary attention to indicate that you’re leaving down. Don’t leave the trunk open while you bring out suitcases. Instead, try to pack up your supplies while your car is in the garage, if possible.

Before you head out on vacation, take a moment to review your homeowners insurance. You’ll want to ensure that your coverage is suitable for needs while you are away from your home. Fortunately, it takes a simple phone call to secure the right coverage. Talk to the professional team at CAV Insurance to determine your homeowners insurance policy in Wellesley Hills and neighboring cities in Massachusetts.

06 Jul 2017
Avoid Discrimination and Harassment in the Workplace

How to Avoid Discrimination and Harassment in the Workplace

Keep your business clear of discrimination and harassment in the workplace.

As an employer, you have the responsibility to maintain a workplace that is free of discrimination and harassment. Not only is this your legal obligation, but it also makes good business sense. If you allow prejudice and violations in the workplace, you will pay a high price in poor employee morale, low productivity, and lawsuits. Most businesses can’t afford the cost of any legal claim, let alone an employment practices liability claim, one of the most costly disputes around. Luckily, there are ways to stay the right side of the law and avoid discrimination and harassment in the workplace.

Recruit and Hire Correctly

It’s illegal to bar certain individuals or groups of people from employment based on race, color, sex, national origin, religion, age or disability. Your job postings should not contain discriminatory language, and should not hint at discrimination.

Be Fair with Dismissals

While there’s nothing wrong with dismissing an employee for legitimate reasons, ‘wrongful termination’ is something to consider. If an employee feels that he or she has been terminated on unfair or prejudice grounds, he or she should file a suit.

Create Written Criteria

Before you make major decisions within the business, make sure you write out criteria on how to plan to evaluate applicants and employees. That way, you’ll have a physical document to guide your decisions and justify your choices if someone questions your motives.

Adopt Clear Harassment Policies

You can’t enforce your business’s harassment policy if it’s not written out. Your policy should clearly state that harassment of any kind won’t be tolerated. All policies should outline disciplinary procedures, instructions on how to file a claim, and details about how an investigation will be documented.

Train Your Team

The best way to avoid harassment and discrimination in the workplace is to teach your team that it is not okay. Ask every member of your team to undergo workplace harassment training, and always intervene if a situation calls for it!

Issues occur all too easily these days. Fortunately, safeguarding your company has never been easier! At CAV Insurance, we work with you to understand your risks, exposures, and insurance protection. Visit our team today to get started on securing your policy in Wellesley Hills, MA.

22 Jun 2017
Commercial Insurance Agent About General Liability

Questions to Ask Your Insurer About General Liability Insurance

Have these general liability insurance questions ready for your commercial insurance agent.

General liability insurance is something that every business owner needs if they want to protect their business from the dangers of everyday life. But, for some business owners, general liability insurance is not so straightforward, and that’s okay! We are here to help. If you are curious about this policy, here are a few questions to ask about general liability insurance to ask your commercial insurance agent.

What’s covered?

It covers the basics like bodily injury and property damage. However, depending on your business, you may need more or less coverage. Be sure to ask your agent what coverage your business needs.

How do I file a claim?

A good place to start is with your agent. He or she can give you plenty of pointers on how to make your claims process a lot easier. From making notes, storing documents, and improving health and safety practices, your agent can help to prevent a claim as well as file one.

When do I need to file a claim? 

As soon as possible! The sooner your claim comes in, the faster it can be resolved.

Are the limits enough to cover my needs?

Every insurance policy covers you up to a monetary limit. Once you reach that limit, you are left to cover the rest. As accidents and legal suits can rack up hundreds of thousands of dollars, it’s a good idea to secure extra coverage for your business’ assets. An umbrella insurance policy can increase your coverage limit.

Investing in a comprehensive commercial insurance policy and a communications strategy will help to provide a solid foundation for your company. Contact CAV Insurance to learn more about your options for business insurance in Wellesley and surrounding cities in MA. We can help you assess your needs and determine ways for you to save!

15 Jun 2017
Workers’ Compensation Cover

What Does Workers’ Compensation Cover?

Do you know the essentials about workers’ compensation?

Every business has its own unique set of risks and dangers when it comes to working employees. Therefore, every business owner should know what workers’ compensation insurance can do for the company and employees! Your business is one hundred percent responsible for providing workers’ compensation benefits, so it’s important to ensure it is quality coverage.

Workers’ Compensation 101

Workers’ compensation protects workers from workplace injuries, repetitive stress injuries, and occupational diseases.

This coverage can help your business pay for:

  • Work-injured employees’ medical and recovery expenses
  • Replacement wages when employees can’t work because of a covered injury or illness
  • Dependent support payments and funeral expenses when fatal occupation injuries occur
  • Liability expenses when your business gets sued over work injuries.

Employees who are injured or disabled on the job receive a fixed monetary reward and, in exchange for the acceptance of this aid, cannot sue the business.

What Your Business Needs to Know

Workers’ compensation covers most injuries that occur on the job, on a no-fault basis. This means that benefits are paid regardless of who is to blame for the accident or injury unless the employee’s conduct violates company policy. In this case, coverage may be excluded.

Coverage can extend to an employee traveling for company-related business, running a work errand, or attending a business social event. With these events included in the insurance, make sure that your business has quality coverage.

At CAV Insurance, we provide each business with the workers’ compensation insurance that is suitable to protect your company and employees. Contact us to get started on your tailored policy!

08 Jun 2017
Reduce Risks to Your Business Vehicles

How to Reduce Risks to Your Business Vehicles

These practices, paired with commercial auto insurance, help to reduce the risk to your business vehicles.

With over 240 million registered motor vehicles in the United States, it’s clear that many businesses are on the move – literally. Whether you own or lease a single car or an entire fleet of vehicles, it’s important that you protect your company, assets, and employees. Luckily, commercial auto insurance in Renton can help you do just this. But, to lower the risks of getting into accidents and mishaps that cost your business time and money, follow these top practices.

Driving Rules

  • Require all employees to wear a seat belt. This measure can help prevent deaths and limit the severity of injuries in an accident.
  • Enforce a zero-tolerance policy. Make it clear that drinking and driving under the influence will not be tolerated.
  • Prohibit all cell phone use behind the wheel. Distracted driving is the leading cause of accidents.

Vehicle Guidelines

  • Allow enough travel time between meetings, assignments, and delivery dates so that no employee is tempted to speed.
  • Limit the use of the vehicles – only drive them for business-related activities.
  • Employees should always lock the vehicles when on the job, and park in well-lit and secure areas.

Hiring Advice

  • Before hiring employees to drive company vehicles, interview each applicant and perform the necessary checks – driver’s license, references, background, et cetera.
  • Provide training to all employees, no matter their skill set.
  • Establish a program that recognizes and rewards safe drivers.

While you work on lowering the risk of accidents in your company, talk to insurance professionals for information on how to safeguard your business from the inside out with business insuranceContact the team at CAV Insurance, serving Eastern Massachusetts.

01 Jun 2017
Auto Claims is a National Issue auto insurance premiums

The Spike in Auto Claims is a National Issue

Personal auto insurance rate hikes are not keeping up with losses.

Motorists across the U.S. may (or may not) have noticed that their auto insurance premiums raised slightly last year. Despite the rise in premiums, reports conclude that the increase was still not enough, due to high catastrophe-related losses and unfavorable claims.

Over the last two years, personal auto underwriters faced, and still continue to face, adverse loss trends that drove higher claims costs. They include claims frequency jumps from more miles driven, more distracted driving, higher physical damage losses because of the more complex and sophisticated automobile parts, and higher bodily injury costs from more severe accidents. In short, the technology loaded in cars and more distracted drivers are causing a knock-on effect to insurance industries as well as their health and safety.

This issue is not just happening to individual policies. It’s a national issue echoed by just about every CEO of the large national auto carriers. Believe it or not, but State Farm reported a loss of $7 billion on its auto insurance underwriting in 2016. In 2015, the underwriting loss was $4.4 billion. State Farm is far from alone in seeing detrimental results in its auto insurance line. GEICO, Travelers, Allstate, The Hartford, and other insurers are also looking for ways to counter rising auto costs.

Before you renew your auto policy, talk to your insurer about the increased rate. Instead of seeing an unwelcome surprise as a premium, discuss the ways in which you can save, drive more carefully, and bundle insurance policies to save a few pennies.

Find out how CAV Insurance can help you secure a reliable and affordable auto insurance policy. Our trained experts are ready to help you and answer any and all questions you may have about the rising car insurance rates. For coverage in Wellesley Hills and neighboring cities in Massachusetts, contact us today.

25 May 2017
Make Sure That Your Home Is Properly Covered

Make Sure That Your Home is Properly Covered

Home insurance protects your home from covered perils, so it is important that you take the proper steps to ensure it is insured to the best of your ability. 

Your home is likely the greatest investment you have made in your entire life, as it is for most people, so it is of the utmost importance that you protect it with the right home insurance policy. Your home insurance policy should be updated every time there is an improvement, major purchase, or increased rebuilding costs. To make sure that your home is properly covered for all perils, take these homeowners insurance recommendations into consideration.

  1. Do you have enough insurance to rebuild your home?
    Let’s imagine one of the worst-case scenarios and say that your cat accidentally knocked over a candle and your home was completely burnt to a crisp. (If you are worried about the cat in this imaginary scenario, let’s just say you and your cat made it out unscathed!) You have to think of the costs for clean-up, raw materials, and then construction. You need to insure your home for costs of complete reconstruction.
  2. Do you have insurance to protect your things?
    Let’s go off that same scenario. Your home has been fully reconstructed, but it is empty. What about your things? (And your cat’s things?) Homeowners insurance generally covers 50 to 70 percent of the amount of insurance you have on your policy. So if you have $100,000 in coverage, your home insurance company will provide $50,000 to $70,000 towards your things.
  3. Do you have insurance to cover your additional living expenses? 
    If your home was burnt to a crisp, where will you and your cat stay while it is being constructed? While it may not be Rome, it still won’t be built in a day. Home insurance can cover your expenses for living elsewhere until your home is ready.

Home insurance is a policy that need not be taken lightly. For all of your insurance questions and needs, contact CAV Insurance today.

18 May 2017
Get Wet, Not Killed: Boating Safety Tips

Boating Safety Tips

Boating is supposed to be an incredibly fun and memorable experience, but it can only be so when you keep safety in mind.

Even if you are as experienced a captain as Captain Nemo, it is always a good idea to review boating safety rules before you hit the water. The best way to remain calm and remember the safety tips is to go over them as much as possible. If you want to protect yourself and those aboard your vessel, it is important that you consider the following safety tips.

  1. Be Aware of the Weather
    You absolutely must be aware of the weather before you go out on the water. You can check your phone, online, and your TV to get a good forecast of your local weather. If you get to your boat and you see dark clouds, feel sudden drops in temperature, and notice changing winds, play it safe and get off the water.
  2. Develop a Float Plan
    Always make sure to let someone know you are going boating before you head out to sea. You need to develop a Float Plan. A good plan includes the following information:
    • Boat type and registration information
    • Name, address, and phone number of the boat owner
    • Trip itinerary
    • Name and phone number of all passengers
    • Alternative forms of communication like Emergency Position Indicating Radio Beacon (EPIRB) or Personal Locator Beacon
  3. Always Wear Lifejackets
    Most drowning victims are the result of them not wearing their life jacket. Make sure that your family and friends don’t become another statistic by giving each member onboard a lifejacket that properly fits them. Make it a rule that they wear it all times when aboard the sea vessel.

Boat insurance can protect you from such dangers in terms of property and liability, but it’s best to do what you can to avoid any issues. For all of your insurance questions and needs, contact CAV Insurance today.

11 May 2017
How to Pick the Right Life Insurance Policy

How to Pick the Right Life Insurance Policy

When it comes to something as important as your loved ones’ financial security if you die, make sure that you take these tips into consideration to ensure you pick the right life insurance policy. 

Life insurance is a policy that provides your loved ones with a lump sum of money called a death benefit in the event of your death. But for many people, choosing a life insurance policy can be quite the hectic adventure. There is a lot that rides on your decision, and if you choose incorrectly, it will be your loved ones that face the consequences. Make sure that you choose the right life insurance policy with these tips.

  1. Know the Two Types of Life Insurance
    ∆ Term Life Insurance – Term life insurance, as the name suggests, only lasts for a limited term. The terms usually go from 5-30 years and this policy is typically the least expensive life insurance option. Term life, however, does not hold any value outside of the death benefit.
    ∆ Whole Life Insurance – Again, much can be learned from the name of the policy. Whole life insurance will cover you for your entire life, as long as you pay all your premiums on time. While a bit pricier than term life, whole life accrues cash value that can be used, should you reach retirement and decide that paying the premiums is not something you want to continue doing.
  2. Know How Much Life Insurance You Need
    In order for your family to be fully financially protected, you have to consider your monetary value to them at the moment. You have to consider the mortgage, car payments, credit card debt, student loans, future children tuition, and other child-related costs and things for which you pay.

Life insurance is an incredibly important policy; a policy that requires much thought and consideration in order to protect your loved ones. For all of your insurance questions and needs, contact CAV Insurance today.

04 May 2017
How to Make Your Teen a Better Driver

How to Make Your Teen a Better Driver

If you want your teen to be as safe as possible when they drive, make sure that you take these tips into consideration. 

Putting your teenager, the child you have been raising since before they could speak, behind the wheel of a car is a very nerve-racking experience. Teenagers are three times more likely to get into a car accident than those aged 20 and older. Luckily for you and parents everywhere, there are a few things that you can do to help prepare them for the road. Before they spread their wings and leave the nest, or house rather, take these tips on how to make your teen a better driver.

Tip I: Drive with them when they acquire their permit. 

A study conducted by University of North Carolina’s Highway Safety Research Center found that there is a sharp decline in accidents for individual teenagers who drove 110 hours with supervised driving before getting their licenses. The risk of accident for rookie drivers is far greater than the veteran driver.

Tip II: No phones when they drive. 

We all know the law: No texting and driving. Irresponsibly, however, we all break the law, even adult drivers. Teens should keep their phones in the center console on silent as to not draw their attention. Children learn by example, so be a role model and do not fiddle with your phone when you are behind the wheel.

Tip III: Limit the passenger count when they drive. 

They will have to learn how to drive with passengers in the car, but when they are still learning, limit that teenage passenger friend to one, and increase it by increments of one once they learn how to tune out distracting teenage ruckus.

Your kids will be independent one day and it’s your job to help them prepare them for the toughness of the adult world. For quality auto insurance that will keep you, your teen, and your car protected from all covered perils, contact CAV Insurance today.