Category: Archives

26 Oct 2017
Preparing Your Home for a Storm

DIY Hacks to Prepare Your Home for a Storm

Get your home ready to survive storm season.

Massachusetts is no stranger to a bit of inclement weather. What many homeowners forget is that their properties need a little bit of help to get ready for the upcoming storm season.

If you wait until storms are predicted on the weather forecast, you might be left scrambling, and many things may get overlooked. Before the hurricane is on its way, make sure you have the following in place.  

Restock the car’s emergency supply kit. Your vehicle should always have the essentials on hand, including a First Aid kit, non-perishable food, plenty of water, blankets, a hand-cranked radio, and a flashlight. While preparing for a storm, check that the snack bars are still good, refresh the water, and replace the batteries in the flashlight.

Remove hazards. Remove any items in your yard that could potentially be picked up by strong winds. Store lawn furniture, grills, and trash cans inside. While you’re at it, secure loose rain gutters and seal the roof, too.

Trim trees. Strong winds can cause trees and branches to fall, so be sure to remove damaged trees and limbs that hang over your property. Not only could weak branches become flying debris, but loose branches could fall onto your home from above.

Microchip your pets. In an emergency, you and your pets may get separated. You can reunite sooner by micro-chipping your pets!

Store your car. Park your car in a garage or on higher ground to prevent it from getting trapped in flooding. It’s also wise to avoid parking underneath trees as storms could weaken the branches enough to fall down. 

Make a plan. Everyone in the home should help to create an emergency plan so that they know what to do should a disaster occur. A meeting point and an emergency contact person should be established beforehand. You should look into alternative routes should roads be closed, and pet-friendly motels in case you need to evacuate the house.

Review insurance.
The best way to prepare for an emergency is prevention. While you can get your home ready, secure homeowners insurance! From hurricanes, windstorms, and other natural disasters, homeowners insurance is there put your mind at rest.

Visit the professionals at CAV Insurance to get started on the right home insurance policy to protect it through storm season and beyond!

19 Oct 2017
Top Tips for Trick-or-Treating Safety This Halloween

Safety Essentials for Trick-or-Treaters This Halloween

Parents, it’s time for some last-minute Halloween safety prep! 

Kids love Halloween night with the free candy, dressing up in costumes, and enjoying a night with their friends, it’s easy enough to forget about precautions. Safety measures often fall by the wayside during the midst of selecting a costume, trick-or-treating, and enjoying sweets! However, parents, while Halloween is all fun and games, you don’t want to end up with a mishap or kid catastrophe on the night.

Parents, ensure the safety of your children with these safety steps:

  • Opt for face paints: Masks can obstruct your child’s breathing, and make it hard to see oncoming traffic or backing up vehicles. Choose non-toxic face paints instead.
  • Fitting costume: Choose a bright colored costume to make your child more visible in the dark, that there is no dragging material that could cause trips, and that all props are flexible and soft!
  • Illuminate the way: Add reflective tape to their bag or costume, and insist that your child carry a flashlight during the dark night. Add caution tape around the flashlight handle so that it fits with their costume!
  • Adult advisory: Any child under 12 should be accompanied by an adult whilst trick-or-treating. If your child is over 12 years of age, establish a pre-planned walking route and a curfew.
  • Walk the talk: Remind your child of road safety like looking left, right, left again before crossing the street, walking on sidewalks at all times, and crossing busy roads as designated crosswalks only.
  • Candy police: Inspect all candy before allowing your children to eat it. If your child is particularly excited, unwrap a few sweets for them so that they don’t choke on the casing.

CAV Insurance wish your and your family a safe and happy Halloween night! For all of your personal and commercial needs in Wellesley Hills and neighboring cities in Massachusetts, contact us today.

12 Oct 2017
How to Get Involved During National Breast Cancer Awareness Month

How to Get Involved During National Breast Cancer Awareness Month

How to participate in National Breast Cancer Awareness Month.

Breast cancer is the second most common kind of cancer in women. In fact, one in eight women born today in the United States will get breast cancer at some point in her life. This terrible disease has made many suffer and continues to do so, despite the research, testing, and fundraising organizations and individuals do on a regular basis.

The good news is that most women can survive breast cancer if it’s found and treated in the early stages. A mammogram can help to do this as it detects small lumps which cannot even be felt.

The whole month of October is Breast Cancer Awareness Month, so there is no better time to get involved and spread the importance of detecting breast cancer in its early stages.

Here are just a handful of ways you can join in this month:

If you cannot donate time, consider donating money to your local breast cancer charity. Whether you make a donation in honor or memory of a loved one or fundraise in a fun way this month, remember that every dollar counts.

Be Mindful

Early detection is key in any disease, especially this one. Annual mammograms save lives, so use this day to get a mammogram or as a reminder to get one soon.

Show Support

Let the pink frenzy inspire you to find a cause to connect with. While big foundations can play a pivotal role when it comes to cancer research, consider smaller, independent organizations in which you can embrace.


It’s best to know exactly what you’re up against when it comes to cancer. Research prevention tips, and how to live a healthy, balanced lifestyle. Avoid common causes of cancer, too. Recent research shows that women who consume a high intake of dairy are more susceptible to get the disease, so be sure to eliminate these products from your diet. Always consult your doctor before making any dietary adjustments.

You can do your part for October’s Awareness Month by alerting others of the tips, booking your screening, and taking care of your health. To take care of your financial future with reliable insurance policies, contact CAV Insurance, serving Wellesley Hills and neighboring cities in Massachusetts

05 Oct 2017
Threats to Your Small Business’s Bottom Line

Financial Threats to Your Small Business’s Bottom Line

Lessen the risk of your business running into financial trouble.

When you’re running a business, it’s easy to get caught up in the day-to-day duties that distract you from making sure your business is protected. As with anything in business, it’s all about balance. You must be able to balance threats with opportunities or at least take proactive measures to reduce those threats.

Threats to your company can come in many forms, from cyber risks to conceptual failures to real physical consequences. Some of the most dangerous threats are financial, seriously impacting your business’s bottom line.

As you develop your business, be sure to avoid these major financial threats.

Losing a Major Client

Every business has that one client. There’s always one (or if you’re lucky, a handful) that always come back for business with an unrestrained wallet. You know that if you were to lose that client or clients, it could spell disaster for your company in a matter of months. The easiest way to prevent such a potential disaster is to strategically build your customer base. Ensure that your business has a formally drawn-up contingency plan that enables you to cut expenses or change strategies should your revenue disappear.

Poor Cash Flow Management

Any business owner knows to keep a close eye on the cash flow. What businesses do want is to have a bottom line that shows a profit, but in order to do this, they must actively manage their incoming and outgoing cash so that their bills and employees are paid without the entire operation taking a hit. It may be possible to negotiate terms with vendors and suppliers and only pay bills on the day they’re due. Additionally, you could give limited terms to your customers, send out invoices early, and ensure follow-ups are sent out periodically. Most, if not all, cash flow problems can be corrected if caught early.

Legal Problems

It may be that a disgruntled employee has exaggerated scenarios with a lawyer. It could be an unhappy customer. It could even be copyright or patent violation. Whatever the case, there’s a very real possibility that your business will face some type of legal action at some point during the course of its development.

To prevent the possibility of your company’s bottom line suffering, be sure to put these prevention tips into place. In addition, safeguard your business, should it fall victim to such attacks with reliable business insuranceContact CAV Insurance, serving Wellesley Hills and neighboring cities in Massachusetts.

28 Sep 2017
The Importance of an Employee Handbook

The Importance of an Employee Handbook

Check out the reasons your organization needs to have an employee handbook.

Creating a company employee handbook can seem like a daunting task, but having one brings many benefits. It is an important communication tool for employers and clarifies the requirements and expectations of an employee. Ultimately, having an up to date employee handbook will stand the employer in good stead in the case of any action taken by employees.

Here are more good reasons why your organization should have an employee handbook.

It introduces employees to your culture, mission, and value.
An employee handbook is an excellent tool for new hires. They provide a comprehensive and time-efficient induction and training resource and also provide line managers with an easy-to-access reference to company policies. The introduction section of an employee handbook will answer these questions:

  • What do we do that sets us apart?
  • How did the company get here?
  • What are we passionate about?
  • How can I, as a new hire, become a part of this culture?

It communities to employees what is expected of them.
A well-written handbook provides employees with a clear understanding of their responsibilities. The handbook also serves as a compass for the organization’s policies and procedures. It also communicates an employee’s general responsibilities regarding safety, timekeeping, and reporting. Clear information ensures companies continue moving in the right direction.

It helps defend against employee claims.
Unfortunately, employers should consider it a matter of when, and not if, they will face a lawsuit or similar challenge from a current or former employee. When this happens, one of the most useful documents you can provide your attorney or third-party investigator will be a copy of your handbook. The employee’s signed acknowledgment page will show that the employee had an opportunity to familiarize themselves with the organization’s policies, a chance to ask related questions, knew whom they could turn to for help within the organization, and agreed to follow the terms and conditions of employment set forth by the organization.

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.

21 Sep 2017
Safety Tips for Cars and Cyclists to Coexist on the Roads

Safety Tips for Cars and Cyclists to Coexist on the Roads

Stay safe on the roads with these safety tips.

Along with traveling on the road, whether that’s on a bicycle or in a car, come responsibilities. What’s commonly forgotten is that no one single mode of transport has the sole entitlement to the road. Cars and bicyclists should coexist peacefully on the road – and doing so will steadily drop the rate of collisions, accidents, and fatalities for drivers and cyclists alike.

In Massachusetts, we’re no stranger to cycling. From rugged terrain to tourist trails, there are plenty of opportunities to get active on a bicycle. Unfortunately, many people drive and cycle unprepared and unable to deal with situations on the road. For your safety, whether you drive or cycle, and for others around you, read up on these safety tips:

For Cyclists:

  • Use hand signals well in advance to indicate to others on the road where you need to move
  • Obey traffic signals
  • Hang back far enough to allow cars to make a right turn on red
  • Make sure you are aware of your surroundings at all times. Watch for parked cars where people may be opening doors on the driver side of the vehicle without looking
  • Do not expect to be granted the right of way in any instance. Make eye contact with drivers as they may signal for you to take the right of way
  • Try to ride consistently and predictably.
  • Don’t thread through parked cars.

For Cars:

  • Use turn signals well in advance to indicate to others on the road where you need to move
  • Always check your blind spot before moving, turning, and merging!
  • Wait until it is safe to pass a bicycle and refrain from tailgating
  • Leave plenty of space around a cyclist when passing them
  • Allow extra time for cyclists to go through intersections
  • Give cyclists the right of way when the situation calls for it
  • Watch out for cyclists when turning right. A cyclist may well be to the right of you and planning to go straight at the same intersection.

Staying safe on the roads is imperative for bicyclists and drivers alike. Part of this protection is ensuring that you have the right insurance policies at hand. Visit CAV Insurance for your insurance needs in Wellesley Hills and neighboring cities in Massachusetts.

14 Sep 2017
Why Employers Need EPLI Coverage

Why Employers Need EPLI Coverage

Employment Practices Liability is insurance for every business.  

Whether your company is large or small, you are still at risk of lawsuits coming in from disgruntled employees as well as legal conflicts that flare up between staff and third parties. In this litigious society, a business can never be too careful. That’s where Employment Practices Liability Insurance (EPLI) steps in.

Protecting from employee-related lawsuits, EPLI works to safeguard a business from the financial strain that comes with lengthy legal cases. Workplace discrimination cases have soared over thirty-two percent in recent years, including suits related to race, gender, age bias, wrongful termination, and noncompliance with laws such as the Americans with Disabilities Act, Family and Medical Leave Act, Affordable Health Care Act, and more. No matter how well you run your business, a customer or employee can sue at any time.

EPLI coverage provides more protection than standard liability insurance policies. If the risks are high in your business, buying EPLI may be a reasonable expenditure – and well worth it. It can cover lawsuits over employee allegations of:

  • Sexual harassment
  • Discrimination
  • Defamation
  • Retaliation
  • Wrongful termination or demotion
  • Mismanagement of benefits

Do not that you don’t necessarily have to be guilty of one of these offenses to face an accusation. Employment practices can be emotionally draining and costly to resolve. EPLI helps to ease the burden by covering legal fees, investigation costs, and judgements or settlements.

Employment practices lawsuits can spring up anytime during the employer-employee relationship, including:

  • Hiring
  • Employment
  • Promotions
  • Terminations

You can help to protect your business by:

  • Ensuring current policies and procedures comply with applicable federal, state, and local laws
  • Writing job descriptions and advertisements that only list job-relevant requirements
  • Evaluating candidates with a consistent and standardized methodology that focuses on successful job performance
  • Treating all employees professionally
  • Consistently applying your company’s policies and procedures

In addition to securing the right Employment Practices Liability Insurance, your business will need the right business insurance to begin with. Contact CAV Insurance today!

08 Sep 2017
What to do After a Car Accident

What to do After a Car Accident

How to handle getting into a car accident.

For a minute, life stops. You don’t remember how you got to this moment, but here you are. When you’ve just been in a car accident, not only are you one of the unlucky people, but you’re likely to not know where to start to recover your car. How you react can prevent further injuries, reduce costs, and accelerate the clean-up and repair process.

If you’re involved in a traffic collision, try to remain calm, and follow these steps:

  • Keep an emergency kit in your glove compartment, including pen and paper for taking notes.
  • Pull to the side of the road and out of the way of oncoming traffic.
  • Turn on your hazard lights and set out cones, flares, or warning triangles if possible.
  • If anyone is injured, call an ambulance.
  • Exchange information with the other drivers that were involved in the crash, such as name, address, phone number, driver’s license number, and license plate number.
  • If there is any damage done to the cars, take photos on your phone.
  • File an accident report. Once the police are on the scene, ask for a copy of the report, and jot down the officer’s names.
  • Call your Insurance Agent or Company.


The whole insurance process is smoother if you know the details of your coverage. Don’t wait until after an accident to find out that your policy doesn’t automatically cover costs for towing or a replacement rental car. Let your insurer know that you’ve been in an accident and follow the policy procedure.


Make sure that your company has your version of what happened and check your policy for your deductible limits. Work with a company that’s dedicated to securing the quality auto insurance that you and your vehicle need and deserve. Contact the professionals at CAV Insurance, located in Wellesley Hills, MA.

24 Aug 2017
business disaster plan

Does Your Business Have a Disaster Plan?

Would your business be able to survive a disaster?

If a natural disaster were to disrupt your business, would you be able to pick up the pieces financially? Unfortunately, breezing your way through a natural disaster is not easy.

Natural disasters interrupt your business for days, months, with the potential of your business never being able to reopen. It’s estimated that 1 in 4 companies never re-open their doors after a disaster, with 1 in 5 businesses experiencing a business disruption. Even though nature tends to be unpredictable, you can still take action to protect your business! Set up a disaster plan, so should tragedy strike, you and your team know what to do.

When creating your plan, be sure to include:

Direction and Control
This area of your business continuity plan will give a summary of fundamental areas. While explaining the reasons for this program, it should be noted whose responsibility it is overseeing duties, and the incident workflow.

Increase the safety of individuals and the property by clearly communicating during an emergency. Determine the location of emergency contact information, who notifies employees, and how customers and suppliers would be informed if something were to happen.

Safety of People
Inform your employees of the proper procedures to follow incase of an emergency to ensure staff safety. Safety training, shelter locations, check-in sheets, and even family preparation for employees should be established in this section. 

Property Protection
Trying to replace a business’s property can be an enormous financial burden. Ensure that you protect your investment in an emergency; Create mitigation steps for each threat, for example in the case of a fire, you should have a backup records procedure, along with fire protection systems labeled.

 Recover and Maintain
If the unexpected were to happen, you should know how to get your organization back up and running again in the most efficient way. It should be noted who will hire new employees, what employees will be kept on, and what are the expectations of your team. To prepare everyone in the company of an emergency, there should be multiple drills, exercises, and audits every year.

Recovering your business is no small fete! We can help make at least one part of it simpler, by assisting with your insurance needs. 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!

17 Aug 2017
How to Keep Your Workplace Free From Accidents

How to Keep Your Workplace Free From Accidents

Safety comes first, especially in the workplace.

You may believe that your office is as safe as can be – but every business owner thinks this way. Unfortunately, offices and work environments are prone to disasters. Although you may do your best to keep a clean, tidy, and safe space, accidents do happen. Fortunately, you can dramatically lower the risk of accidents by taking certain precautions.

To better protect your employees, visitors, and business’ financial future, read the following safety tips.

Prevent musculoskeletal disorders. There are tools designed to work with the body’s natural movements that can minimize the risk of developing musculoskeletal disorders. Consider investing in ergonomic equipment and examining workplace design to help reduce worker fatigue, increase productivity, and avoid injuries.

Tidy up. Every day, perform a walkthrough of your office or worksite to look for cords that can trip employees, surfaces that are slippery, dust that accumulates, and wires that may be a fire hazard. Routine inspection can go a long way in preventing needless injuries.

Climb the ladder. Approximately 65,000 workers go to the hospital every year due to ladder-related accidents. Teach your employees to inspect every ladder for broken rungs, missing bolts, and other broken parts before using it. Always stabilize a ladder on even ground, and insist that at least one other person be present when an employee is using a ladder. 

Keep your cool. Take preventative measures when working in the summer heat. Stay hydrated, take regular breaks, and wear lightweight clothing. Tents and umbrellas will help shade your workers from the beating sun.

Is your business environment a safe one? 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.