Category: Uncategorized

03 Dec 2020
outdoor restaurant

Top Tips for Patio Heater Safety

When the weather drops, we don’t always want to shelter inside. Portable, outdoor gas-fired heaters – known as patio heaters – are increasingly popular for use at home and in outdoor seating areas for restaurants. While the heaters offer comfort for many hours, using them does involve some risks. If you make use of a patio heater, take a look at how to keep safe this winter.

 

Safe Placement

Patio heaters are not designed to radiate intense heat over long distances. Instead, they heat nearby objects and people. If your heater is located too close to certain materials, it can quickly become a fire hazard. It is best to keep patio heaters away from flammable materials, such as planters, potted plants, tree limbs, hanging vines, as well as propane tanks used for grills or lighter fluid. Keep these items at least three feet away from the heater at all times.

 

Additionally:

  • Maintain at least five feet from any building and all areas of entry and exit.
  • Keep the heater on stable ground. Avoid placing it on uneven ground or on a slope. Consider adding sandbags or other weights to keep the base stable.
  • Never use it indoors because of the carbon monoxide poisoning risk.
  • Do not operate the heater in strong winds.
  • Do not place it on a balcony because of the risk of tip over and ignition of materials.

 

Fuel Safety

Patio heaters come in a variety of fuel types, all of which have their own benefits and drawbacks when it comes to operational safety. Propane and natural gas are the two most common fuel types for upright patio heaters. Because of the combustible nature of gas, you must take precautions when handling tanks to minimize leaks and damage.

  • Check that the fuel gas container is certified and approved.
  • Wait to replace the fuel containers when other people are not present.
  • Store fuel containers outside of buildings, away from doors, stairways, and windows.
  • After changing over gas tanks, check valves and hoses for leaks by applying soapy water to the components and checking for air bubbles.

 

General Safety

  • Patio heaters should only be used by responsible adults. Keep pets and children away from the heater.
  • The heater should never be left unattended. If the party is moving indoors, turn the heater off, even if you plan on coming back outside later.
  • Never move the patio heater while the flame is open.
  • Avoid moving the patio heater on your own. Ask for help to prevent injuries.

 

These tips will help you to stay safe when using a patio heater to stay warm this winter. To help protect you further, be sure to secure the right home coverage for your needs and property. At CAV Insurance in Wellesley, MA, we work with companies like Chubb who offer a broad range of protection to help keep your home and family safe with reliable homeowners insuranceContact us on 781-237-4107 to get started.

24 Sep 2020
painting on canvas

How to Preserve Different Types of Art

Whether you have a collection of paintings or an array of paintings, photographs, and sculptures, it is wise to take steps to preserve the different types of art. There is a great importance of preserving art that every collector takes upon themselves. Collections that are unique and valuable need to be stored correctly in order to keep it looking its best. In addition to securing homeowners insurance in Wellesley, MA with riders that cover the valuable collections, you should know how to safeguard your art. For tips to preserve art and maintain the value, read on.

 

Preserving Different Types of Art

 

Panel and oil paintings

 

Paintings are highly fragile and are susceptible to environmental damage through cracking and sun-bleaching. If you have paintings, be sure to stabilize the environment and control the temperature and humidity. If you don’t have a central system, consider using dehumidifiers in summer and humidifiers during winter when the heating vents dry out the air. A change in temperature and humidity is a sure way to cause long-term damage to paintings. In addition, keep them out of bright rooms where the sunlight can fade the color.

 

Vases and bowls

 

These pieces of art cab break, scratch, or crack. When transporting them, always pick them up by the case, rather than the neck or lip. Avoid placing them in high-traffic areas where someone could knock them.

 

Sculptures

 

Similarly to vases and bowls, avoid placing them in areas where there tends to be a lot of movement, such as near entryways or by staircases. Place them in secure and stable display shelves or stands that are sufficient enough to carry the weight. Take care when cleaning or dusting around these objects.

 

Photographs

 

Photographs and watercolors can fade when exposed to sunlight or artificial light sources. Avoid placing them in bright light rooms. Keep the curtains closed and the lights off when the room is not in use to preserve the colors. You may consider installing a UV-filtering film on windows to protect the photographs from light damage. Also, rotate artwork in and out of storage to prevent too much UV exposure.

When it comes to treasured works of art, it always pays to speak to your insurer. Insuring expensive artwork need not be complicated. For more information about coverage, open our personal insurance page. Contact CAV Insurance on 781-237-4107 for all of your insurance needs in Eastern Massachusetts.

25 Jun 2020
an Open business sign

Preparing Your Small Business to Reopen

Large and small businesses have been hit hard across the nation thanks to COVID-19 – and it’s no surprise. With stay-at-home orders and work-from-home enforcements, the economy has nosedived. However, every day there is good news and things are getting better. Once the pandemic has passed, your business will need to be ready to reopen and hit the ground running to make up for lost time. To prepare your business for the post-COVID-19 world, here are some tips to help.

 

Get Your Business Ready for Reopening

 

Review customer lists – Customer lists are invaluable for many businesses. They make repeat business possible, but only if they’re up-to-date. Make sure that these lists have the business-critical information you need for each of your customers, including the customer’s name, address, mobile number, and email address, and verify that the information is accurate. This might also be a good time to check in with your customers. Ask about their future needs and let them know where your business stands.

 

Connect with suppliers – If you rely on a supply chain, you will need to stay one step ahead of the curve by keeping in contact with the suppliers. Check that they are ready to go, too, as some may not open at the same time you do. Reach out to new vendors when primary suppliers may be unavailable.

 

Communicate with employees – While you should stay in contact with your employees regularly to check in on their productivity and wellbeing, when you are preparing to reopen, you will want to ramp up your communications. Let them know of the safety precautions you’ll be taking once you open your business back up.

 

Take a detailed property inventory – Now is the time to review your business assets and make sure they are insured to their full replacement value. This essential step will help ensure that your commercial property policy is up to date should your property become damaged due to a covered loss, such as fire, theft or vandalism.

 

At CAV Insurance Agency, we work hard to protect businesses during this unusual time. Serving Wellesley, Arlington, Natick, Concord, Cambridge, and neighboring towns, contact us today on 781-237-4107 to get started on your reliable commercial insurance policy.

13 Jun 2019

Upcoming Local Car Shows You Don’t Want to Miss!

Don’t Miss Out on These Upcoming Shows!

If you’re a car enthusiast like us, then you’ll want to schedule these dates in your diary. Car events of the summer are not to be missed. Take a look at local car events coming up.

 

June 16, 2019

German Car Day

Larz Anderson Auto Museum

10am – 2pm | Car Registration: $20 (online) | $25 (day-of)

 

June 20, 2019

Bass Pro Shops 2019 Cruise Night

Patriot Place (Bass Pro Shops)

4pm – 8pm| Bi-Weekly Cruise Night hosted by Bass Pro Shops and Patriot Place

 

June 22, 2019

Cars & Coffee

Larz Anderson Auto Museum

8am – 11am

 

June 23, 2019

British Car Day

Larz Anderson Auto Museum

10am – 2pm | Car Registration: $20 (online) | $25 (day-of)

 

June 30, 2019

Miata Day

Larz Anderson Auto Museum

10am – 2pm | Car Registration: $20

 

July 4, 2019

Bass Pro Shops 2019 Cruise Night

Patriot Place (Bass Pro Shops)

4pm – 8pm| Bi-Weekly Cruise Night hosted by Bass Pro Shops and Patriot Place

 

July 13, 2019

Cars & Coffee

Larz Anderson Auto Museum

8am – 11am

 

July 14, 2019

Microcar Day

Larz Anderson Auto Museum

12pm – 4pm

 

July 21, 2019

American Car Day

Larz Anderson Auto Museum

10am – 2pm | Car Registration: $20 (online) | $25 (day-of)

 

July 28, 2019

Day of Triumph

Larz Anderson Auto Museum

10am – 2pm | Car Registration: $20

To stay up to date on local car events, make sure you visit the Boston Car Events site!

Will you be at these events? Let us know! When you’re looking to protect your collector vehicle, the team at CAV Insurance Agency can help. We serve motorists in Brookline, Wellesley, Weston and other neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

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.

17 Apr 2017
CAV Insurance - New Website and Blog

Welcome to Our New Website & Blog!

CAV Insurance Agency, Inc. would like to extend a warm welcome to our new website and blog! Through our newly revamped website and blog, our team will update you on the latest news within the insurance industry while also offering regular lifestyle tips.

Our blog will be your first stop for not only the latest information but also community events in Wellesley and surrounding areas in Massachusetts. We encourage you to browse through our new innovative website to see all that we have to offer.

We are always available to guide you through the insurance shopping process for all of your Massachusetts insurance needs. We work to serve the best interests of you, your family, and your business.

13 Feb 2014

Reducing the Risk of Water Damage

Proper maintenance during winter weather can reduce the risk of damage due to water intrusion.

Use the following guidance to prepare for and respond to freezing weather:

 

Protect your pipes from freezing

  • Insulate all accessible pipes using pipe insulation (this can be found at your local hardware store).
  • Keep all exterior entry, exit and garage doors to unheated spaces closed as much as possible during the winter months.
  • Prior to the winter months, ensure that all cracks, holes, and other openings on the exterior walls are sealed tightly with caulk or insulation to prevent cold air from penetrating the wall cavity.
  • If the temperature drops lower than usual and any pipes are located adjacent to exterior walls or within base-cabinets or in closets, leave the cabinet/closet doors open or use a fan to increase warm air circulation around the pipes.
  • In areas of severe cold weather, pay close attention to local weather reports for notice of extreme weather.
  • When extreme cold weather is predicted, let all faucets drip to prevent freezing of the water inside the pipe and if freezing does occur, to relieve pressure buildup in the pipes between the ice blockage and the faucet.
  • The pressure buildup is the actual cause of bursting pipes.Install a water leak detection system, available at your plumbing supply store, which will alert someone in your household if water is detected.
  • Shut off the water supply during periods when the home may be unoccupied, particularly when colder weather is expected.
  • Be sure to drain your water supply system before leaving the home unoccupied.

 

Check for frozen pipes

  • Turn on each water supply faucet individually (both hot and cold) to ensure that there is a steady stream of water present.
  • If the flow of water is slowed, or worse, there is no flow, then it is likely that your pipe has frozen.
  • Identify the blockage (probably the area of most exposure) and use a blow dryer (do NOT use an open flame torch!) to heat the supply line, while leaving the faucet open.
  • Continue heating the pipe until there is a steady flow of water.

 

Frozen-Pipes-Infographic_IBHS

Remove snow from window wells and against walls

  • Remove snow from window wells and against walls.
  • Snow buildup around windows and against walls also can lead to water damage.
  • To maintain proper drainage and reduce the risk of leaks in basements, remove snow from window wells and against all walls.

Clear debris from drains and gutters

  • Clear debris from drains and gutters.
  • Clear debris from basement drains.
  • Make sure gutters are clean and stable to ensure proper drainage
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COVID19 Notice:

While our office is closed to the public, we are fully operational working remotely. Please call our office for assistance at 781.237.4107. We are here to assist you during these trying times. Thank you and stay safe.