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3 Reasons Why Car Insurance Is a Necessity

Fri, 21 Mar 2025 11:58:00 GMT

Navigating the roads can be unpredictable, with traffic, weather conditions, and the varying skill levels of other drivers all impacting your experience. Auto insurance is not just a legal obligation in many areas; it serves as a vital safety net that protects you from unforeseen circumstances. Here are three reasons why auto insurance is an indispensable part of modern driving, helping provide the peace of mind every driver needs.

Provides Financial Protection in Accidents

First and foremost, auto insurance offers financial protection against accidents. Whether you're dealing with a minor fender bender or a significant collision, the costs associated with repairs can be overwhelming. Insurance helps cover these expenses, ensuring that you’re not left facing an unaffordable bill. Beyond this, many policies also include coverage for medical expenses incurred by you or any passengers, adding another layer of financial security. An auto insurance specialist can help you find the right amount of coverage for your vehicle.

Ensures Legal Compliance and Avoids Penalties

Secondly, having auto insurance ensures legal compliance and helps you avoid penalties. In most regions, driving without insurance is illegal and can result in hefty fines or even the suspension of your license. According to Forbes, 1 in 8 drivers have no auto insurance, posing a risk not only to themselves but also to other road users. By maintaining appropriate coverage, you avoid these legal pitfalls and contribute to a safer driving environment for everyone.

Offers Protection Beyond Accidents

Finally, auto insurance offers protection against theft, vandalism, and natural disasters. Comprehensive coverage protects your vehicle from non-collision-related damages, which can happen unexpectedly. Whether your car is stolen or damaged in a hailstorm, insurance can help you recover financially. This protection ensures that even in the face of unforeseen events, you’re not left without reliable transportation or bearing the entire cost of replacement or repair.

Auto insurance is not just a bureaucratic requirement, but a crucial safeguard for drivers. It provides financial protection, legal compliance, and coverage against a range of unexpected situations. By securing suitable insurance, you not only protect yourself and your finances but also contribute to a more secure and responsible driving community. Contact the experts at Barrows Insurance Agency, Inc to learn more about auto insurance today!

Teen Drivers: The Roller Coaster of Insurance Rates and Road Rules

Wed, 08 Jan 2025 20:59:00 GMT

Ah, the moment every parent dreads and celebrates—your teen getting behind the wheel! It’s a thrilling ride but brace yourself: the insurance rates are about to take you on a wild roller coaster.

1. Insurance Rates: The Price of Freedom

Let’s face it—insuring your teen is like buying a ticket to the most expensive amusement park. Teen drivers are considered high-risk, which means their insurance can skyrocket. Think three times more than your average adult. Yes, it hurts!

2. Factors That Make Rates Go "Whee!"

What makes the rates so high? Here’s the scoop:

Age & Experience: They’ve mastered TikTok dances but haven’t quite nailed parallel parking.

Driving Record: Spoiler alert: they don’t have one yet!

Vehicle Type: If they want a flashy sports car, get ready for a flashy bill.

Location: Living in a bustling city? Buckle up for higher rates!

3. What to Expect When Insuring Your Teen

Here’s what’s coming your way:

· Higher Premiums: Your wallet might feel light, but it’s all part of the journey.

· Discounts: Good grades? Driver’s ed? These can save you some cash—encourage those A’s!

· Policy Choices: You might want to adjust coverage—because you never know when a squirrel might cross the road.

4. Tips for Saving Some Dimes

While it may feel like you’re in a money pit, here are some tips to keep costs down:

· Shop Around: Different companies have different rates. Play the field!

· Usage-Based Insurance: Some insurers track driving habits. Safe driving means lower premiums—get those thumbs up!

· Promote Safe Driving: Teach them the art of not texting while driving, and maybe they’ll keep the insurance fairy happy.

5. Preparing Your Teen for the Road

Finally, give your teen some essential tips:

· Know the Rules: It’s not just about knowing the speed limit; it’s about not speeding past red lights!

· Stay Focused: Remind them that their phone is not their co-pilot.

· Handle Emergencies: Teach them what to do if they encounter a raccoon in the middle of the road (hint: don’t panic).

Conclusion

Insuring a teen driver might feel like a ride through a haunted house—frightening but necessary! With a little humor and preparation, you can tackle this thrilling chapter together. Just remember: every dollar spent on insurance is one step closer to your teen becoming a responsible driver… and a little less likely to call you for help after a fender bender!

"Be Thankful for Insurance: Says No One Ever..."

Wed, 27 Nov 2024 17:24:00 GMT

"Be Thankful for Insurance: Says No One Ever..."

In a world where we’re all just trying to survive the daily grind, it’s hard to imagine anyone jumping for joy about insurance. Yet, here we are, about to explore why we should be thankful for this necessary evil. Because who doesn’t love paying for the possibility of something going wrong?

1. Financial Safety

Insurance is like that friend who shows up just when you’re about to go broke after an accident or unexpected health issue. Ever had a moment where insurance came to your rescue? It’s almost as if they want us to believe we’re safe…until the bill arrives.

2. Peace of Mind

With insurance, we can relax knowing we’re “protected”—which is great until you realize that “protection” comes with a hefty premium. How does having that coverage change your daily life? Do you sleep better knowing you’re only a phone call away from a claims adjuster?

3. Family Protection

Life insurance is the ultimate gift to your loved ones: a financial cushion when you’re gone. Because nothing says “I love you” quite like a policy that makes sure your family can pay off the mortgage... and not just mourn your loss in a state of financial panic.

4. Business Security

For business owners, insurance is like a safety net, but one that you pay for every month. It protects against risks, allowing you to operate without constant panic—unless you consider your premiums, of course. How crucial is it for your planning? I’m sure it’s a delightful part of your budget!

5. Encourages Responsibility

Having insurance can actually promote responsible behavior, like not treating your car like a bumper car. How has insurance influenced your choices? Maybe you’ve stopped driving like you’re in a Fast & Furious movie. Small victories!

So, let’s raise a glass to insurance. It provides financial protection and peace of mind, allowing us to focus on living life to the fullest—or at least avoiding financial disaster.

What are you thankful for in your insurance experience? Share your thoughts, if you dare!

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So, let’s raise a glass to insurance. It provides financial protection and peace of mind, allowing us to focus on living life to the fullest—or at least avoiding financial disaster.

What are you thankful for in your insurance experience? Share your thoughts, if you dare!

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Why are rates so high?

Fri, 15 Nov 2024 23:54:00 GMT

Have you noticed your insurance rates are climbing faster than your neighbor’s lawn gnome collection? You're not alone! Let’s break down the mystery of rising premiums !

Why Are Rates Rising?

1. Claims Experience : When insurers pay out more than they take in, they raise rates. Think of it as a party where everyone eats the snacks but no one brings chips—eventually, the host has to stock up.

2. Economic Conditions : Inflation is like that friend who always borrows money but never pays you back. As costs go up, so do premiums. Repairs and medical bills are getting pricey, folks!

3. Regulatory Environment : Each state has its own rules, like a game of insurance Monopoly. Just when you think you’re winning, someone lands on Boardwalk and raises your rent!

4. Market Competition : Sometimes, everyone raises their rates at once, making it feel like a synchronized swimming competition—only with premiums instead of swimsuits.

The Agency’s Role

Here’s the kicker: insurance agencies don’t set these rates. They’re like the middlemen in a game of telephone—helpful but not in charge. They can guide you to the best deals, but they can’t magically lower your premiums (if only!).

Conclusion

While rising insurance rates can feel like being stuck in traffic, understanding the “how’s” and “whys” can ease the frustration. So, keep your sense of humor, and remember: even we at Barrows Insurance are just as baffled as you are!!

3 Ways Homeowner Insurance Pays for Itself

Wed, 18 Sep 2024 12:59:00 GMT

Whether you own your home outright or have a substantial mortgage to pay off, homeowners insurance is essential for protecting your home, furnishings, and belongings against covered losses. According to SafeHome, a fourth of all homeowners eventually file a homeowners insurance claim. You might be among the unlucky 25% who file a claim. A good house insurance agency can help ensure you have the coverage needed to protect your home and assets. Here are three ways that quality homeowners insurance virtually pays for itself.

1. You Could Rebuild Some or All of Your Home

No matter where you live, there are common perils that could affect any home in your local area. Wind and hail damage, internal or external flooding, or a fire are a few of the more common perils that might cause partial damage or completely wreck your home and the things inside it. A local house insurance agency can help you protect your home and belongings against potential damage that you otherwise would have to pay for, which might cost thousands or more.

2. You Could Replace Your Belongings and Valuables

A standard homeowners insurance policy will give you a nominal amount of protection for your furnishings, belongings, and valuables, but not likely enough to cover your actual loss. You might have antiques, gold or silver jewelry, or other high-value belongings and valuables that are worth much more than a standard policy would cover. You can modify your house insurance to give you the level of insurance protection needed to minimize your out-of-pocket costs if a covered peril destroys your furnishings, belongings, and valuables.

3. You're Protected Against Potential Property Liability

Your local house insurance agency can also help protect your family's finances with property liability insurance that often comes with a homeowners policy. The liability protection pays if someone is injured or has property damaged due to conditions on your property. If a tall tree falls and lands on your neighbor's car, the liability insurance would pay for it instead of you. You also can add affordable umbrella coverage that pays costs that exceed the limits on your house insurance.

When you need the best homeowners insurance protection, call our friendly insurance professionals at Barrows Insurance Agency, Inc. We can help you find the best rate and add protection as needed to make sure you have the best possible insurance protection against the perils most likely to threaten it and your belongings. Affordable coverage enables homeowners insurance to virtually pay for itself.

4 Reasons You Would Need to File a Homeowner Insurance Claim

Wed, 14 Feb 2024 17:32:00 GMT

House insurance is there to provide financial protection when you need it most. In fact, according to Value Penguin, about 85% of homeowners nationwide have homeowners insurance. Several situations call for filing a house insurance claim, so here are the most common reasons people file a claim.

1. Natural Disaster Damage

Many house insurance policies cover damage from natural disasters. This may include flood damage and restoration services or even coverage for tornado and hurricane damage. Your roof may get hail damage, or a tree limb may fall on your house. You never know when a natural disaster will occur, so it's best to ensure your policy covers natural disasters in your area.

2. Fire Damage

Many homeowners opt for house insurance that also covers accidents like fires. Fires can cause a significant amount of damage; some houses may need complete remodeling after a fire. This requires extensive work from various contractors to ensure the place is safe for a family to live in. Some insurance policies will cover the cost of these repairs.

3. Property Theft

Break-ins and theft are other common reasons to file a claim. Theft usually includes high-ticket items, like gaming consoles, televisions, and large appliances. In serious situations, homeowners will have to pay thousands of dollars to replace everything that was stolen. Homeowners insurance can help compensate for stolen items so your family can get back to enjoying life.

4. Water Damage

Water damage can result from various situations. Pipes may burst in the winter and flood the entire house. Alternatively, a leaky pipe may slowly worsen, damaging a whole wall or ceiling. Floods cause a lot of water damage and are costly to repair, too. Most homeowners must hire mold remediation services to ensure their house is safe to live in.

Filing a house insurance claim is a great way to ensure your home is repaired correctly. In many cases, securing the funds to fix your home is necessary. However, it’s essential to know what your insurance policy covers. That's why our independent, family-owned insurance agency is here to help you! Our experienced and reliable team members at Barrows Insurance Agency, Inc are available to assist your family in Norton, MA to ensure you get all the coverage you need. Contact us today to get started.

How Can Businesses Get Insurance Discounts?

Wed, 29 Dec 2021 19:25:00 GMT

In addition to combining policies together in either a business owners policy or commercial package policy, there are several other ways for businesses to lower their insurance premiums. Insurance companies sometimes offer discounts for:

● Paying policy premiums in full

● Installing security systems on property and buildings

● Requiring drivers to have commercial driver’s licenses

● Implementing employees safety programs

● Being in business for a minimum amount of time

● Remaining claims-free for a certain period

Obviously, the exact discounts that a business can take advantage of depend on what coverages the business is purchasing.

Finding policies through an independent insurance agent can also help businesses save money on the coverages they need. Independent agents are free to compare policies from multiple insurers, finding the policies that offer the best coverage at an affordable price.

Give us a call and see what a family owned business can do for you. Barrows Insurance Agency helps businesses find coverage option that protects you, your family, and personal property along with your business.

From new policies, renewals or claims, we are here every step of the way. See the difference a local agent can provide.

We have two locations to choose from:

Mansfield Office: Ph. (508) 339-7260

Foxboro Office : Ph. (508) 543-1101

Workers Compensation Insurance - What Business Owners Need To Know

Wed, 15 Dec 2021 16:04:00 GMT

What is Workers Compensation Insurance?

When employees suffer work-related injuries and illnesses, employers are often required to provide compensation for resulting medical bills and lost wages. Workers compensation insurance policies help Massachusetts employers pay covered expenses arising from work-related injuries and illnesses.

Workers compensation insurance is a unique form of insurance for businesses. Although payments from policies frequently go to employees, the payments are ultimately a form of liability protection for businesses. If a policy didn't pay the covered expenses, the covered business would likely have to.

Who Does Workers Comp Cover?

Workers comp generally covered employees, who are usually workers that receive a W-2 form come tax time. In most cases, employees are covered regardless of whether they’re full- or part-time, permanent or seasonal.

Sometimes, business owners who are involved in the daily operations of their business can also get coverage from a workers comp policy. Whether business owners are covered depends on the exact nature of their role within the business, what coverage options are selected, and a policy’s terms and conditions. An insurance agent who specializes in workers comp can help business owners determine whether a particular policy will cover them.

Remember, most businesses in Massachusetts that have employees are legally required to carry workers compensation. There may be some exceptions, but these affect a minority of businesses in the state.

Barrows Insurance Agency helps businesses, big and small with Workers Compensation Insurance that meets Massachusetts guidelines and offers adequate protection for your business, your employees, and your peace of mind .

Our agents are available to help and answer any questions you may have. Give us a call to set up a time that works for you to discuss your Workers Compensation options and see how quick we get things done!

We have two locations to choose from:

Mansfield Office : Ph. (508) 339-7260 & Foxboro Office : Ph. (508) 543-1101

Let’s start 2022 on the path for success!

What You Need To Know About Investment/Rental Property Insurance

Thu, 02 Dec 2021 16:47:00 GMT

Investment/Rental Property Insurance, What You Need To Know!

If you own an investment property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on your property. You could also be held responsible for damage to their belongings.

Types of Properties Include:

Commercial Property
Vacant Property & Land
Rental
Commercial Investment
Residential Investment

Barrows Insurance Agency helps you find coverage options that protect you, your family, personal property and your business. From new policies, renewals or claims, we are here to walk beside you every step of the way.

Let us help make sure you’re properly covered. See the difference a local agent can provide. We are here to help with two locations to choose from:

Mansfield Office: Ph. (508) 339-7260 & Foxboro Office : Ph. (508) 543-1101

How Independent Agents Are Different from Captive Agents

Wed, 20 Oct 2021 16:19:00 GMT

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents . While both can provide insurance services, these two types of insurance agents are not the same and it's important to understand the differences.

1.Captive Insurance Agents

A captive agent works for a single insurance company, either as an employee of that company or as an independent contractor. This means that a captive insurance agent will be limited to the specific insurance products offered by that particular company, so they won't be able to help you if you need a type of insurance they don't offer, or shop around to find the best deals on the market.

Keep in minds that the insurance company may also try and sell certain products, so there is no guarantee that you are truly getting what is best for you and not just what is best for the company.

2.Independent Insurance Agents

An independent agent is not controlled by any one insurance company and instead works with multiple insurers. What does this mean to you? This means independent agents have access to all of the insurance products and services offered by the companies they represent. They are not handcuffed to only one company.

As a result, it's often the case that an independent agent will be able to help you with all of the products you need, even if those products come from multiple insurance companies.

One of the perks is if you need to file a claim. We understand that sometimes it’s not always cut and dry, we’ll walk with you and work on your behalf throughout the process. We are always available to answer questions and we can regularly review your policy to ensure it is still the best possible fit for you.

Give us a call and see why Barrows Insurance Agency is your trusted advisor for all of your insurance needs.

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EVERYTHING YOU NEED TO KNOW ABOUT HURRICANE PREPAREDNESS TIPS.

Mon, 23 Aug 2021 14:07:00 GMT

Keep your home and family ahead of any hurricane. Anyone looking for the best ways to prepare for a severe weather event are advised to make emergency plans. With the help of our partner, The Andover Companies, we are sharing preparedness tips for the hurricane season: ADV-018_Hurricane_Prep_Flyer_r3_8.19.21 (emma-assets.s3.amazonaws.com)

BBQ Season is here!

Tue, 01 Jun 2021 19:21:00 GMT

With BBQ season upon us, it’s important to follow some basic safety precautions when cooking outdoors.

- Make sure your grill is in a well-ventilated area. Building an open flame and choking out the oxygen around it could easily lead to a house fire.

- Avoid using anything other than natural wood or charcoal to fuel your BBQ, and never use lighter fluid or gasoline in place of either of these fuels.

- When grilling your food, it’s best to only turn the grill to medium-high heat. High heat can easily lead to burnt meat, and low heat can lead to the meat drying out and falling off the bone.

- Be sure that no one is near your BBQ while you are cooking! If conditions outside are concerning, make sure that all of your BBQ equipment is tied down. This includes anything on the sides of your BBQ as well as storage containers if you have any.

- Use a meat thermometer if you’re unsure of whether or not your food is done!

- Try to keep an eye on the fire. If it starts to die down, add more natural wood or charcoal. If the fire is raging out of control and winds up engulfing your BBQ, use a hose or bucket of water to put it out.

- Never leave your BBQ unattended until it has completely cooled off and all embers are absent.

Enjoy your summer and know we are always ready to help with any question or need you may have.

The team at Barrows Insurance Agency.

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Jet Ski & Watercraft Season is Here! Make Sure Your Covered for Fun.

Mon, 17 May 2021 15:00:00 GMT

Do you have a Jet ski or a watercraft that you’re planning on enjoying this summer? Some boats or smaller watercraft may even be covered under your current homeowners’ policy. The size, type and value of your jet ski or personal watercraft will be part of the determining factors in evaluating your Insurance needs.

Below is a list some of the many coverages that we can offer:

· Physical Damage Coverage

o Adding this coverage to your policy protects your boat while in storage and during transport.

o This covers your boat as well when out of the water, including but not limited to: fire, lightning, vandalism or theft.

o You can also obtain emergency service reimbursement for expenses related to towing, labor or supplies.

· Liability Coverage

o This coverage will assist you in the event of a collision with another boat, dock or other boaters.

· Personal Liability

o Protecting you or family member if you have an accident that causes injury to another person.

· Medical Payments

o Covering medical expenses if you or someone in your boat is involved in an accident.

· Property Damage

o Damage that may be caused to another person’s property while operating your watercraft.

We always evaluate our customers jet ski or watercraft insurance needs to find special coverages you may need or any discounts you may qualify for.

Some additional discounts and coverages may include:

· Accident forgiveness

· Roadside Assistance

· Boat Removal

· Boating Safety

· Multi policy discounts

Barrows Insurance Agency offers a wide variety of coverages and options for your jet ski or personal watercraft. Give us a call, we help find the best jet ski and watercraft insurance policies and options that are right for you.

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Boating Season – Coverage You Need

Tue, 11 May 2021 15:16:00 GMT

Boat Insurance Guide: Costs & Coverage

When it comes to your boat, it’s often best to separate your boat insurance from your homeowner's policy. Many homeowners’ policies limit or don’t cover marine-specific risks, such as salvage work, wreck removal, pollution or environmental damage; but there are exceptions.

While homeowners’ riders are normally adequate for these boats, be careful to ask the same questions you’d ask any other insurer about damages to your vessel and how they will be paid. Also, most homeowner’s insurance riders apply only to use in inland waterways, lakes and rivers. Coverage seldom extends outside a coastal inlet or along the beach. If you plan to boat “outside the inlet” you definitely need an experienced marine insurer.

You want to consider the following to make sure the policy you purchase meets your needs:

· Age of Boat

· Length

· Value

· Speed/Horsepower

· Condition (Does it meet US Coast Guard Standards in effect at the time it was built?)

· Primary residence (If the boat is used as a primary residence)

· Type (Inboard, Outboard, utility, cruiser, bass boat, saltwater fishing boat, performance boat)

· Homemade (Boats without a serial number are tricky but many kits are okay)

· Houseboats with no motor

· Ownership (more than 2 owners)

· Where it will operate (Ocean, lakes, bays, rivers, Great Lakes)

Kinds of Boat Insurance Policies Barrows Insurance Agency offers

Marine insurance covers a wide array of watercraft. You may be surprised to find what can be insured. Marine insurance policies include:

· Boat

· Personal Watercraft (PWC)

· Yacht - generally, vessels 26' and smaller are called "boats,” and "yachts" are 27' and larger.

o Yacht coverage tends to be broader and more specialized because larger boats travel farther and have more unique exposures.

· Sailboat

· Dinghy

· Boat & PWC Rental - Although this is generally not required, rental insurance will help cover any damage the vessel, as well as the operator and passengers.

· Boat Clubs - covers all members of club while operating a boat.

· Professional (ProAngler, Fishing Guides & Charters)

o These policies are very customizable and can cover items like travel to a tournament, equipment and more.

How much you’ll pay for boat insurance depends on the level of insurance coverage you want, as well as the size, horsepower, type and value of your boat.

You can choose your deductible, which is the amount deducted from your insurance check if you make a claim. A typical policy has deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, according to the Insurance Information Institute. Liability claims against you do not have a deductible.

Barrows Insurance Agency offer a variety of ways to save money, including discounts for:

· Having a diesel-powered boat.

· Not having made a previous boat insurance claim.

· Carrying other policies, such as car or homeowners, with the same insurer.

· Taking safety courses.

Our specialized business agents will guide you on the different types of coverage that fits your needs.

Your RV Home Needs Love Too – Protect Your Investment

Thu, 18 Mar 2021 02:12:00 GMT

RVs offer a great option for vacationers to maintain social distance while traveling and play double duty as a transportation and accommodation vehicle. But RVs can be expensive and protecting your investment with the right insurance is critical. When insuring an RV, pay close attention to liability coverage. Generally, only an RV insurance policy will cover liability for a motorhome. You may want to consider an umbrella policy if you have a large nest egg to protect.

When it comes to accidents, actual cash value is the standard, which will pay up to what the RV was worth at the time of the accident. You may also consider additional coverage that applies for a hotel stay if the RV needs repairs and you are unable to be in it. At Nationwide, a standard policy runs about $100 per year for a pop-up camper and more than $1500 per year for a luxury motorhome.

The good news is that the contents inside an RV are generally protected under a Homeowners or Renters insurance policy at lower limits ��. Of course, the cost of insurance varies. You need an agent that is familiar with RV insurance and can customize your RV coverage with the best options for you and your family.

Commercial Umbrella Insurance, Added Coverage When It Matters!

Thu, 18 Mar 2021 02:04:00 GMT

Most of us are familiar with Residential Umbrella Insurance. Commercial Umbrella Insurance provides businesses with added liability coverage when claims exceed the limits of certain primary insurance policies, such as general liability or commercial auto.

Think of umbrella insurance as a backup for business liability policies that you already have. When a claim exceeds your primary policy's limit, you can apply your umbrella coverage to the amount still owed on the claim.

Usually, umbrella coverage can be applied to claims made on these types of liability insurance policies:

· General liability insurance

· Commercial auto / Hired and non-owned auto insurance

· Employer's liability insurance

This is what sets umbrella insurance apart from most policies. It is only useful when your liability policies have reached their limits. It is like a reserve policy that fills in any gaps if a claim exceeds your other policy limits.

Be sure to discuss with our agents the best type of umbrella insurance you need. Also, depending on your policy, you may have to make a separate claim on your umbrella policy, depending on whether its coverage responds automatically. If it isn’t automatic, you may have to file two claims: one on the initial underlying policy and one on the umbrella policy.

Keep in mind that many different types of businesses can benefit from the additional coverage and protection that umbrella insurance provides. Businesses that should consider purchasing this coverage include:

· Consulting

· Food and beverage

· Healthcare professionals

· Home-based businesses

· Insurance professionals

· Nonprofits

· Personal care

· Photo and video

· Retail

· Technology / IT

Our specialized business agents will guide you on the different types of umbrella coverage that your business may need so you know what to expect from your policy.

Protect Your Home From Mother Nature’s Frenzy!

Thu, 18 Mar 2021 01:48:00 GMT

It’s no surprise that the Pandemic and the Presidential Election dominated the news in 2020, but Mother Nature also had a say. Across the U.S., National disasters left more than $95 billion in damages, with homeowners and businesses bearing the brunt of the cost.

Flooding is the most common natural disaster in the United States. If most of your wealth is tied up in your house, you may be risking financial ruin without having adequate flood insurance coverage. Flood insurance covers losses directly resulting from flooding or flood-related erosion caused by heavy or prolonged rain, snow melt, coastal storm surges, blocked storm drainage systems, levee dam failure and similar events.

Many homeowners have misconceptions of what exactly their insurance policy covers. For instance, no standard homeowners policy covers flooding. Homeowners can purchase additional coverage for flood insurance from the Federal Government or a private insurer like Barrows Insurance Agency.

Things to know:

1. The Government’s National Flood Insurance Program (NFIP) provides up to $250,000 of dwelling coverage and up to $100,000 of contents coverage.

2. The cost of an NFIP policy varies, depending on the risk, but averages about $700 a year.

3. A policy from a private insurer averages $1050 a year.

4. However, a private policy could cost you less than an NFIP policy

Remember, you want to have enough coverage to help you rebuild if your home gets damaged by a flood. Our specialized agents can help you compare options with flood insurance so when panic sets in, you know you are covered!

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We’re Now Offering RMV Services At Our Mansfield Location!

Wed, 07 Oct 2020 20:59:00 GMT

No longer having to WAIT weeks for a RMV appointment - Barrows Insurance can help in our inhouse RMV including but not limited to:

New Plates
Plate Transfers
Registration Renewals
Title Service & More

Give us a call 1-508-339-7260 and see how quick we get things done!

BIG THINGS ARE COMING!

Wed, 07 Oct 2020 20:59:00 GMT

It is our pleasure to announce that we are expanding our business with a new office location starting December 19th, 2020. The new location will be 38 Central St. Foxborough, MA.

Our new facility offers us the opportunity to better serve our loyal customers and work with our valuable business partners. We look forward to continuing to serve your needs and work with you at our new location.

Hope to see you there!

Preparing for hurricanes and tropical storms!

Tue, 04 Aug 2020 18:55:00 GMT

Make sure that you're not only prepping your home, but also your business

Keeping our customers and employees safe is our #1 priority! These instructions will show you how to get everything ready for hurricanes and tropical storms including:

• Listening to weather advisories
• Continuity planning
• Emergency planning for family members and employees
• Stocking emergency supplies
• Remove any loose outdoor items that can blow around and can cause damage to home/businesses.
• Creating an evacuation plan or shelter-in-place plan, and more.

It is vital to understand your home and businesses vulnerability to storm surge, flooding, and wind. Here is your checklist of things to do BEFORE hurricane seasons begins.

Know your zone: Do you live near the Gulf or Atlantic Coasts? Find out if you live in a hurricane evacuation area by contacting your local government/emergency management office or by checking the evacuation site website .
Put Together an Emergency Kit: Put together a basic emergency . Check emergency equipment, such as flashlights, generators and storm shutters.
Write or review your Family Emergency Plan: Before an emergency happens, sit down with your family or close friends and decide how you will get in contact with each other, where you will go, and what you will do in an emergency. Keep a copy of this plan in your emergency supplies kit or another safe place where you can access it in the event of a disaster. Start at the Ready.Gov emergency plan webpage .
Review Your Insurance Policies: Review your insurance policies to ensure that you have adequate coverage for your home and personal property.
Understand NWS forecast products, especially the meaning of NWS watches and warnings.
Preparation tips for your home from the Federal Alliance for Safe Homes
Preparation Tips for those with Chronic Illnesses

Stay Safe!

New RMV Guidelines

Wed, 24 Jun 2020 01:30:00 GMT

RMV Update- The RMV is encouraging all residents who have an expiring license and need a REAL ID to renew online for a standard license. They will wave the fee to "upgrade" to a REAL ID License as long as you apply before August 12, 2020 and visit the RMV after January 2021 to submit the paperwork for a REAL ID. Federal REAL ID requirements take effect on October 1, 2021. Visit www.mass.gov/rmv for more information.

Safety Standards and Checklist: Restaurants

Mon, 01 Jun 2020 15:36:00 GMT

These workplace safety standards for restaurants are posted in advance of the Governor’s initiation of Phase 2 to allow restaurants time to prepare to operate in compliance with these mandatory health and safety standards. Restaurants may not provide any service beyond carry-out or delivery until specifically authorized to do so in Phase 2 of the Commonwealth’s Workplace Re-Opening Plan. The Governor will initiate Phase 2 of the Re-Opening Plan by formal Executive Order and only following a careful review of public health data.

Restaurants may provide outdoor table service at the commencement of Phase 2 of the Commonwealth’s Reopening Plan. Restaurants will be authorized at a later date and by a subsequent Phase 2 Order to commence indoor table service if the public health data reflects continued positive progression.

Social Distancing

When indoor table service is permitted, restaurants are encouraged to structure operations to operate as much as possible through outdoor table service and to strictly limit indoor table service in order to assure effective compliance with social distancing requirements and to limit activities within confined spaces

Restaurants must comply with the following sector specific social distancing rules for providing dining services in all customer seating areas:

Tables must be positioned so to maintain at least a 6 foot distance from all other tables and any high foot traffic areas (e.g., routes to bathrooms, entrances, exits); tables may be positioned closer if separated by protective / non-porous barriers (e.g., structural walls or plexi-glass dividers) not less than 6 feet high installed between tables and high foot traffic areas
The size of a party seated at a table cannot exceed 6 people
Restaurants may not seat any customers at the bar, but subject to any applicable building and fire code requirements, bar areas may be re-configured to accommodate table seating that complies with all spacing and other requirements in these COVID-19 safety standards
All customers must be seated; eat-in service to standing customers (e.g., around bar areas) is prohibited
Restaurants may provide carry-out or delivery service, but all safety standards for table separation, size of party, and hygiene must be maintained for any indoor or outdoor table seating that is available to carry-out patrons
All other amenities and areas not employed for food and beverage service (e.g., dance floors, pool tables, playgrounds, etc.) must be closed or removed to prevent gathering of customers

Ensure separation of 6 feet or more between all individuals (workers, vendors, and customers) unless this creates a safety hazard due to the nature of the work or the configuration of the workspace:

Close or reconfigure worker common spaces and high density areas where workers are likely to congregate (e.g., break rooms, eating areas) to allow 6 feet of physical distancing; redesign work stations to ensure physical distancing (e.g., separate tables, stagger workstations on either side of processing lines so workers are not face-to-face, use distance markers to assure spacing including in the kitchen area)
Establish directional hallways and passageways for foot traffic if possible, to minimize contact (e.g., one-way entrance and exit to the restaurant). Post clearly visible signage regarding these policies
Prohibit lingering in common areas (e.g., waiting areas, bathrooms) and ensure social distancing in common areas by marking 6 feet spacing with tape or paint on the floor and signage
All customer-facing workers (e.g., servers, bus staff) must minimize time spent within 6 feet of customers

Designate assigned working areas to workers where possible to limit movement throughout the restaurant and limit contact between workers (e.g., assigning zones to servers)

Stagger work schedules and staff meal and break times, regulating maximum number of people in one place and ensuring at least 6 feet of physical distancing

Minimize the use of confined spaces (e.g., elevators, vehicles) by more than one individual at a time

Require face coverings for all customers and workers at all times, except where an individual is unable to wear a face covering due to medical condition or disability

Recommended best practices

Improve ventilation for enclosed spaces where possible (e.g., open doors and windows)

Customers may remove face coverings while seated at tables

Hygiene Protocols

All workers must wash their hands frequently, and table servers must wash their hands or apply hand sanitizer between each table interaction

Ensure access to handwashing facilities on site, including soap and running water, and allow sufficient break time for workers to wash hands frequently; alcohol-based hand sanitizers with at least 60% alcohol may be used as an alternative

Alcohol-based hand sanitizers with at least 60% alcohol should be made available at entrances, exits, and in the dining area

Supply workers at workplace location with adequate cleaning products (e.g., sanitizer, disinfecting wipes)

Post visible signage throughout the site to remind workers and customers of hygiene and safety protocols

Self-serve, unattended buffets, topping bars, drink stations, and other communal serving areas must remain closed

Condiments and similar products (e.g., salt, pepper, and salad dressing) should not be pre-set on tables and should instead only be provided upon request either in single-serving portions (e.g., individual packages or cups) or in serving containers that are sanitized between each use

Menus must be one of the following: 1) paper, single-use menus disposed after each use, 2) displayed menu (e.g., digital, whiteboard, chalkboard), 3) electronic menus viewed on customers’ phones / mobile devices

Utensils and place settings must be either single-use or sanitized after each use; utensils should be rolled or packaged. Tables should not be pre-set to reduce opportunity for exposure

Tables and chairs must be cleaned and sanitized thoroughly between each seatin

Staffing and Operations

When possible, reservations or call ahead seating should be encouraged; managers must ensure that diners waiting for tables do not congregate in common areas or form lines

Restaurants may not provide customers with buzzers or other devices to provide alerts that seating is available or orders are ready; restaurants should instead use no-touch methods such as audio announcements, text messaging, and notices on fixed video screens or blackboards

Provide training to workers on up-to-date safety information and precautions including hygiene and other measures aimed at reducing disease transmission, including:

Social distancing, hand-washing, and requirement and proper use of face coverings
Modifying practices for serving in order to minimize time spent within 6 feet of customers
Self-screening at home, including temperature or symptom checks
Reinforcing that staff may not come to work if sick
When to seek medical attention if symptoms become severe
Which underlying health conditions may make individuals more susceptible to contracting and suffering from a severe case of the virus

Restaurant operators should establish adjusted workplace hours and shifts for workers to minimize contact across workers and reduce congestion at entry points

Limit visitors and vendors on site; shipping and deliveries should be completed in designated areas

Workers should not appear for work if feeling ill

Restaurants must screen workers at each shift by ensuring the following:

Worker is not experiencing any symptoms such as fever (100.3 and above), cough, shortness of breath, or sore throat;
Worker has not had ‘close contact’ with an individual diagnosed with COVID-19. “Close contact” means living in the same household as a person who has tested positive for COVID-19, caring for a person who has tested positive for COVID-19, being within 6 feet of a person who has tested positive for COVID-19 for 15 minutes or more, or coming in direct contact with secretions (e.g., sharing utensils, being coughed on) from a person who has tested positive for COVID-19, while that person was symptomatic
Worker has not been asked to self-isolate or quarantine by their doctor or a local public health official
Workers who are sick or feeling ill must be sent home.

Anyone showing signs of illness may be denied entry

If the employer is notified of a positive case at the workplace, the employer should notify the local Board of Health (LBOH) where the workplace is located and work with them to trace likely contacts in the workplace and advise workers to isolate and self-quarantine

Notify workers that they may not work if they test positive for COVID-19 (they should be isolated at home) or are found to be a close contact of someone with COVID-19 (they should be quarantined at home)

Testing of other staff may be recommended consistent with guidance and / or at the request of the LBOH. Post notice to workers and customers of important health information and relevant safety measures as outlined in government guidelines

Post notice to workers and customers of important health information and relevant safety measures as outlined in the Commonwealth’s Mandatory Safety Standards for Workplace

Designate the Person in Charge (105 CMR 590) for each shift to oversee implementation of the guidelines in this document

Restaurants will be allowed to maximize outdoor dining space, including patios and parking lots where available, where municipal approval is obtained

Recommended best practices

When taking reservations and when seating walk-in customers, restaurants should retain a phone number of someone in the party for possible contact tracing

Encourage use of technological solutions where possible to reduce person-to-person interaction (e.g., contactless payment, mobile ordering, text on arrival for seating)

Workers who are particularly high risk to COVID-19 according to the Centers for Disease Control (e.g., due to age or underlying conditions) are encouraged to stay home or arrange an alternate work assignment

Workers are strongly encouraged to self-identify symptoms or any close contact to a known or suspected COVID-19 case to the employer

Encourage workers who test positive for COVID-19 to disclose to the employer for purposes of cleaning / disinfecting and contact tracing

Cleaning and Disinfecting

Clean commonly touched surfaces in restrooms (e.g., toilet seats, doorknobs, stall handles, sinks, paper towel dispensers, soap dispensers) frequently and in accordance with CDC guidelines

Keep cleaning logs that include date, time, and scope of cleaning

Conduct frequent disinfecting of heavy transit areas and high-touch surfaces (e.g., doorknobs, elevator buttons, staircases)

Implement procedures to increase cleaning / disinfecting in the back-of-house. Avoid all food contact surfaces when using disinfectants. Food contact surfaces must be cleaned and sanitized before use with a sanitizer approved for food contact surfaces. Non-food contact surfaces must be frequently cleaned

In the event of a presumptive or actual positive COVID-19 case of a worker, patron, or vendor, the restaurant must be immediately shut down for 24 hours and then must be cleaned and disinfected in accordance with current CDC guidance before re-opening

Checklist

SOCIAL DISTANCING

Ensure >6ft between individuals

☐ When indoor table service is permitted, restaurants are encouraged to structure operations to operate as much as possible through outdoor table service and to strictly limit indoor table service in order to assure effective compliance with social distancing requirements and to limit activities within confined spaces

☐ Restaurants must comply with the following sector specific social distancing rules for providing dining services in all customer seating areas:

Tables must be positioned so to maintain at least a 6 foot distance from all other tables and any high foot traffic areas (e.g., routes to bathrooms, entrances, exits); tables may be positioned closer if separated by protective / non-porous barriers (e.g., structural walls or plexi-glass dividers) not less than 6 feet high installed between tables and high foot traffic areas
The size of a party seated at a table cannot exceed 6 people
Restaurants may not seat any customers at the bar, but subject to any applicable building and fire code requirements, bar areas may be re-configured to accommodate table seating that complies with all spacing and other requirements in these COVID-19 safety standards
All customers must be seated; eat-in service to standing customers (e.g., around bar areas) is prohibited
Restaurants may provide carry-out or delivery service, but all safety standards for table separation, size of party, and hygiene must be maintained for any indoor or outdoor table seating that is available to carry-out patrons
All other amenities and areas not employed for food and beverage service (e.g., dance floors, pool tables, playgrounds, etc.) must be closed or removed to prevent gathering of customers

☐ Ensure separation of 6 feet or more between all individuals (workers, vendors, and customers) unless this creates a safety hazard due to the nature of the work or the configuration of the workspace:

Close or reconfigure worker common spaces and high density areas where workers are likely to congregate (e.g., break rooms, eating areas) to allow 6 feet of physical distancing; redesign work stations to ensure physical distancing (e.g., separate tables, stagger workstations on either side of processing lines so workers are not face-to-face, use distance markers to assure spacing including in the kitchen area)
Establish directional hallways and passageways for foot traffic if possible, to minimize contact (e.g., one-way entrance and exit to the restaurant). Post clearly visible signage regarding these policies
Prohibit lingering in common areas (e.g., waiting areas, bathrooms) and ensure social distancing in common areas by marking 6 feet spacing with tape or paint on the floor and signage
All customer-facing workers (e.g., servers, bus staff) must minimize time spent within 6 feet of customers

☐ Designate assigned working areas to workers where possible to limit movement throughout the restaurant and limit contact between workers (e.g., assigning zones to servers)

☐ Stagger work schedules and staff meal and break times, regulating maximum number of people in one place and ensuring at least 6 feet of physical distancing

☐ Minimize the use of confined spaces (e.g., elevators, vehicles) by more than one individual at a time

☐ Require face coverings for all customers and workers at all times, except where an individual is unable to wear a face covering due to medical condition or disability

☐ Improve ventilation for enclosed spaces where possible (e.g., open doors and windows)

☐ Customers may remove face coverings while seated at tables

HYGIENE PROTOCOLS

Apply robust hygiene protocols

☐ All workers must wash their hands frequently, and table servers must wash their hands or apply hand sanitizer between each table interaction

☐ Ensure access to handwashing facilities on site, including soap and running water, and allow sufficient break time for workers to wash hands frequently; alcohol-based hand sanitizers with at least 60% alcohol may be used as an alternative

☐ Alcohol-based hand sanitizers with at least 60% alcohol should be made available at entrances, exits, and in the dining area

☐ Supply workers at workplace location with adequate cleaning products (e.g., sanitizer, disinfecting wipes)

☐ Post visible signage throughout the site to remind workers and customers of hygiene and safety protocols

☐ Self-serve, unattended buffets, topping bars, drink stations, and other communal serving areas must remain closed

☐ Condiments and similar products (e.g., salt, pepper, and salad dressing) should not be pre-set on tables and should instead only be provided upon request either in single-serving portions (e.g., individual packages or cups) or in serving containers that are sanitized between each use

☐ Menus must be one of the following: 1) paper, single-use menus disposed after each use, 2) displayed menu (e.g., digital, whiteboard, chalkboard), 3) electronic menus viewed on customers’ phones / mobile devices

☐ Utensils and place settings must be either single-use or sanitized after each use; utensils should be rolled or packaged. Tables should not be pre-set to reduce opportunity for exposure

☐ Tables and chairs must be cleaned and sanitized thoroughly between each seating

STAFFING & OPERATIONS

Include safety procedures in the operations

☐ When possible, reservations or call ahead seating should be encouraged; managers must ensure that diners waiting for tables do not congregate in common areas or form lines

☐ Restaurants may not provide customers with buzzers or other devices to provide alerts that seating is available or orders are ready; restaurants should instead use no-touch methods such as audio announcements, text messaging, and notices on fixed video screens or blackboards

☐ Provide training to workers on up-to-date safety information and precautions including hygiene and other measures aimed at reducing disease transmission, including:

Social distancing, hand-washing, and requirement and proper use of face coverings
Modifying practices for serving in order to minimize time spent within 6 feet of customers
Self-screening at home, including temperature or symptom checks
Reinforcing that staff may not come to work if sick
When to seek medical attention if symptoms become severe
Which underlying health conditions may make individuals more susceptible to contracting and suffering from a severe case of the virus

☐ Restaurant operators should establish adjusted workplace hours and shifts for workers to minimize contact across workers and reduce congestion at entry points

☐ Limit visitors and vendors on site; shipping and deliveries should be completed in designated areas

☐ Workers should not appear for work if feeling ill

☐ Restaurants must screen workers at each shift by ensuring the following:

Worker is not experiencing any symptoms such as fever (100.3 and above), cough, shortness of breath, or sore throat;
Worker has not had ‘close contact’ with an individual diagnosed with COVID-19. “Close contact” means living in the same household as a person who has tested positive for COVID-19, caring for a person who has tested positive for COVID-19, being within 6 feet of a person who has tested positive for COVID-19 for 15 minutes or more, or coming in direct contact with secretions (e.g., sharing utensils, being coughed on) from a person who has tested positive for COVID-19, while that person was symptomatic
Worker has not been asked to self-isolate or quarantine by their doctor or a local public health official
Workers who are sick or feeling ill must be sent home.

☐ Anyone showing signs of illness may be denied entry

☐ Encourage workers who test positive for COVID-19 to disclose to the employer for purposes of cleaning / disinfecting and contact tracing. If the employer is notified of a positive case at the workplace, the employer should notify the local Board of Health (LBOH) where the workplace is located and work with them to trace likely contacts in the workplace and advise workers to isolate and self-quarantine

☐ Notify workers that they may not work if they test positive for COVID-19 (they should be isolated at home) or are found to be a close contact of someone with COVID-19 (they should be quarantined at home)

STAFFING & OPERATIONS

Include safety procedures in the operations

☐ Testing of other staff may be recommended consistent with guidance and / or at the request of the LBOH. Post notice to workers and customers of important health information and relevant safety measures as outlined in government guidelines

☐ Post notice to workers and customers of important health information and relevant safety measures as outlined in the Commonwealth’s Mandatory Safety Standards for Workplace

☐ Designate the Person in Charge (105 CMR 590) for each shift to oversee implementation of the guidelines in this document

☐ Restaurants will be allowed to maximize outdoor dining space, including patios and parking lots where available, where municipal approval is obtained

☐ When taking reservations and when seating walk-in customers, restaurants should retain a phone number of someone in the party for possible contact tracing

☐ Encourage use of technological solutions where possible to reduce person-to-person interaction (e.g., contactless payment, mobile ordering, text on arrival for seating)

☐ Workers who are particularly high risk to COVID-19 according to the Centers for Disease Control (e.g., due to age or underlying conditions) are encouraged to stay home or arrange an alternate work assignment

☐ Workers are strongly encouraged to self-identify symptoms or any close contact to a known or suspected COVID-19 case to the employer

CLEANING & DISINFECTING

Incorporate robust hygiene protocols

☐ Clean commonly touched surfaces in restrooms (e.g., toilet seats, doorknobs, stall handles, sinks, paper towel dispensers, soap dispensers) frequently and in accordance with CDC guidelines

☐ Keep cleaning logs that include date, time, and scope of cleaning

☐ Conduct frequent disinfecting of heavy transit areas and high-touch surfaces (e.g., doorknobs, elevator buttons, staircases)

☐ Implement procedures to increase cleaning / disinfecting in the back-of-house. Avoid all food contact surfaces when using disinfectants. Food contact surfaces must be cleaned and sanitized before use with a sanitizer approved for food contact surfaces. Non-food contact surfaces must be frequently cleaned

☐ In the event of a presumptive or actual positive COVID-19 case of a worker, patron, or vendor, the restaurant must be immediately shut down for 24 hours and then must be cleaned and disinfected in accordance with current CDC guidance before re-opening

Massachusetts Registry of Motor Vehicles (RMV) Implementing Further Extensions to Expiring Licenses, Permits, Motor Vehicle Inspection Stickers, and Passenger Plate Registrations

Tue, 21 Apr 2020 14:39:00 GMT

The Massachusetts Registry of Motor Vehicles (RMV) announced on 04/15/2020, it will be implementing further extensions to the renewal timelines for expiring motor vehicle inspection stickers, passenger plate registrations, professional credentials, and licenses and permits, including Commercial Driver’s Licenses and Commercial Driver’s License Permits (CDLs / CLPs).

While the RMV has previously announced 60-day extensions for most credentials, passenger plate registrations and inspection stickers expired or expiring in March and April, today’s action will apply the same 60-day extension to those expiring in May. Those with March 2020 expiration’s impacted by the first 60-day extension, will have an additional 60-day extension applied.

These additional extensions under Governor Charlie Baker’s declaration of a State of Emergency the week of March 9th, replicate the ongoing measures the RMV is taking to reduce the need for customers to physically visit an RMV Service Center or one of its business partners’ facilities, allowing for ‘social-distancing’ by decreasing non-essential travel and customer volume.

The new changes to expiration extensions are now in effect as follows:

All non-commercial driver’s licenses, ID cards, and Learner’s Permits that expire in May 2020, will now expire in July 2020 and do not need to be renewed at this time. This extension will also apply to those whose expired March 2020 credential was already extended by 60 days. The specific expiration date typically coincides with an individual’s birth date. Customers holding a license marked “Limited-Term” that has expired or will expire between March 1 and May 31, 2020 should visit Mass.gov/RMV for more information and to check the validity of their credential.
All Commercial Driver’s Licenses (CDL) and Commercial Driver’s License Permits (CLP) that expire in May 2020, will now expire in July 2020 and do not need to be renewed at this time. This extension will also apply to those whose expired March 2020 credential was already extended by 60 days. The specific expiration date typically coincides with an individual’s birth date. The RMV also recently introduced an online renewal option for CDL holders if they are self-certified in the Non-Excepted Interstate (NI) category for medical certification.
In accordance with updated guidance from the Federal Motor Carrier Safety Administration (FMCSA), all CDL Medical Certificates expiring between March 1 and April 30, 2020, will also now not expire until June 30, 2020 and do not need to be renewed at this time. Extensions to CDL Medical Certificates are intended to prevent license downgrades and elective medical visits, as well as alleviate demand on medical providers, during the State of Emergency.
The annual motor vehicle safety and emissions inspection stickers that expire on May 31, 2020 will now expire on July 31, 2020. This extension will also apply to those whose expired March 2020 inspection sticker was already extended by 60 days. Annual motor vehicle inspection stickers typically expire on the last date of the month. While automotive repair and maintenance facilities continue to remain open as “essential services” and inspection stations may operate at their discretion, these annual inspections do not need to occur at this time.
All passenger plate registrations that will expire in May 2020, will now expire in July 2020. This extension will also apply to those whose expired March 2020 passenger plate registration was already extended by 60 days. Registration renewals can continue to be performed online at Mass.Gov/RMV during this time. Customers seeking to do so in-person will not be able to make an appointment and should delay their visit to a Service Center at this time.

Professional credentials for School Bus Certificates, School Pupil Transport Licenses (7D), Inspector Licenses, Inspection Station Licenses, Driving Instructor Licenses and Driving School Licenses that expire in May 2020, will also now be extended for 90 days after the State of Emergency is lifted and do not need to be renewed at this time.

For the most up-to-date information on RMV extensions and other service and COVID-19 response measures, visit https://www.mass.gov/info-details/rmv-covid-19-information .

What New Graduates Need To Know About Insurance?

Fri, 06 Mar 2020 20:18:00 GMT

Securing the proper insurance coverage may be the last thing on a recent graduate’s mind, but it shouldn’t be. As many grads face the prospect of student loans and a tough job market, purchasing anything beyond health insurance may not be a personal or financial priority.

However, failing to purchase certain types of insurance – or opting for extraneous coverage – can be much costlier for young adults over time. Here are several types of insurance with which recent graduates should become familiar.

Auto insurance

Young adults who are no longer covered under their parent’s auto insurance plan must purchase their own coverage if they have their own car.

If you have a car or plan to purchase one, shop for affordable auto insurance rates and ask for discounts.

Some auto insurance companies give discounts for safe driving records, belonging to certain professional associations and organizations, driving only a certain number of miles per year, and bundling multiple insurance policies with the same company. Talk to your insurance agent to find out which discounts you qualify for.

If you’re driving an older car, it’s important to make sure you’re not overpaying for insurance. If your car is worth less than $1,000 – or less than 10 times the insurance premium – and you can afford to replace your vehicle if it’s totaled, collision coverage may no longer be cost effective.

Disability insurance

Disability insurance can seem like an unnecessary expense to many recent grads, especially if they’re young, healthy and living paycheck to paycheck like many young adults.

However, financial instability is precisely why millennial’s should find a way to secure some form of disability income protection. The Council for Disability Awareness reports that one in three women and one in four men will have a disability that keeps them out of work for 90+ days at some point during their working lifetime.

How much will disability insurance actually cost you? The annual premium amounts to approximately 1 to 3 percent of your yearly income. The cost depends on the policy’s features, advantages and type of benefits.

Long-term disability insurance can be acquired through a private insurance company or run through a company-sponsored plan, and these policies typically pay between 50 to 66 2/3 percent of your pre-disability earnings

Renter’s insurance

Renting is on the rise – research shows that the growth of the renter population has outpaced the growth of the homeowner population in most large U.S. cities.

The average renter owns approximately $20,000 worth of personal belongings. Many of these items can be difficult to replace without insurance, yet only 37 percent of renters in the United States actually have renter’s insurance.

Nearly 60 percent of 18 to 29-year-old’s are renters, but many young adults skip this insurance coverage because they think it’s too expensive or don’t think they really need it.

Renter’s insurance premiums average between $15 and $30 per month, depending on the policy details. For just $120 to $150 a year, recent grads can get $200,000 worth of personal property coverage.

Renter’s insurance pays to replace your belongings if they are stolen, damaged or destroyed. If you think your landlord’s insurance will cover your belongings, think again – it only covers the building, not the contents

If you’re moving back home with mom and dad after college, their homeowner’s insurance policy should provide sufficient coverage.

We have included a quote request form for anyone who is looking for coverage other than auto and home.

https://apps.singlepointrating.com/webapps/DynamicFormEngine/(S(k3tridarboz4sp3n22cy2poz))/Home/Index/?scid=7b4c18e7b9f9ba5b&appid=1200000&reqid=&src=Site&ticket=&qid=&CarrierAccessKey=&labels=

How To Spring Clean Your Insurance Policies

Fri, 06 Mar 2020 20:00:00 GMT

As you make your way through your spring-cleaning checklist, don’t forget to dig out your insurance policies and look them over. Here are some of the reviewable elements of your home, life and auto insurance policies.

Homeowners Insurance

1. Make sure you have sufficient coverage

Experts say the top insurance mistake is being under-insured, which happens when you fail to update your coverage as your property, lifestyle or needs change.

Take the time to assess those changes and determine where you need to adjust your insurance coverage. For example, if you like to entertain at home, consider increasing your liability coverage and purchasing a separate umbrella policy.

Umbrella liability policies typically offer a minimum of $1 million of additional liability protection and cost just a few hundred dollars a year.

2. Make sure you have enough personal property insurance

Most people do not take the time to inventory their personal possessions, and often do not have enough personal property insurance as a result. Homeowners should be careful not to overlook their belongings as a way to keep insurance costs down.

It is very likely that you have added new belongings to your home over the last year. If so, now is the time to inventory those belongings and ensure you have the right type of coverage for the actual value of your property.

Most consumers automatically accept the amount of contents coverage named in their policy. Instead, read the policies carefully to make sure there are no gaps in coverage, and check the dollar limits and excluded causes for personal property.

It is in your best interest to raise the dollar limit if necessary, as it will help you better replace or recover the value of your possessions if disaster strikes.

Life Insurance

If you have a life insurance policy, you should make sure to review its principal points at least once a year, including beneficiary, benefit amount, term, loans and cash value.

1. Update your beneficiaries

Many of us forget to update our policies when circumstances change. Life events such as marriage, getting divorced or having children should prompt you to update your beneficiaries. The beneficiary designations on your life insurance policy will trump any other documents you’ve created outlining your beneficiaries, so ensure that they match!

Beneficiaries and other policy details should be reviewed at least every three years and after any major life events.

2. Review the term of your policy

If you have term life insurance, it’s important to know when the term ends. An annual review will prevent a term policy expiration from sneaking up on you. If you are caught unaware, you may face a major premium hike.

Some term policies may be convertible to permanent insurance on their anniversary, which others may be convertible at the end of their term.

3. Assess the amount of your policy

Make sure the amount of your life insurance policy is still appropriate for its intentions and for your financial situation.

Take time to evaluate what you intend for the benefits to cover. Are you hoping to fund your burial expenses, or provide college tuition for your children? Does your policy provide sufficient coverage for these needs? If not, it may be time to look into additional coverage.

If your personal wealth has increased significantly in the last year, you may consider more life insurance in order to protect your family from estate taxes.

Auto Insurance

1. Reassess your comprehensive/collision coverage

If you have collision and comprehensive coverage, take time to make sure the limits are adequate, or whether you still need it. If you don’t have the coverage, consider whether it’s time to add it.

If you’re driving an older car worth less than $1,000 – or less than 10 times the insurance premium – having comprehensive or collision coverage may no longer make sense. Dropping either the comprehensive or collision coverage may reduce your premium.

2. Ask about any new discounts.

Ask about any discounts that you may qualify for, such as:

Multi-vehicle discount
Good student discount
Safe driver discount
Loyalty discount
Resident student discount

If you don’t drive very often, providing your insurance agent with your low mileage estimate could save you money. You may also receive discount if you belong to professional associations and organizations.

https://www.barrowsins.com

Hurricane Season

Thu, 06 Jun 2019 20:01:00 GMT

According to Travelers, hurricane and tropical storm season in New England has begun. You may be wondering how your home insurance policy protects you from wind, hail, fallen trees, extreme rain, flooding and other unexpected extreme weather conditions. You may be asking yourself, “Do I even have a wind deductible and if so, when does it apply?”.

How to prepare and react after a storm has passed are the fundamentals to helping protect your property and keep you and your loved ones safe and secure in your home.

First and foremost you evacuate if you are directed to do so. However, if you remain in your home, here are some tips to help you and your family stay safe:

Listen for important updates from NOAA
Stay indoors and far away from any windows, skylights and glass doors. Go to a safe area, such as and interior room or basement
If power is lost, keep your refrigerator closed to trap any cold air to keep from spoiling food
If you have a generator for emergencies such as these, make sure you do not operate it indoors due to the carbon monoxide it releases which can be very hazardous for your health

What to do after?

Once you’ve been cleared by authorities that the storm has passed, you can begin to assess if there is any damage to your property.

Avoid downed powerlines. Never touch a wire that has been exposed
Be wary of any gas lines that may have been damaged or broken by the storm. If there is a gas leak do not enter the property until you have a company come out and assesses the situation
Be cautious of hazards that are a product of the storm, such as water due to flooding, sharp or broken objects, damaged tree limbs or other structures that may have been damaged by high winds and/ or water
Keep an accurate record of your repairs until a claim professional has reviewed the damage. Keep accurate records of your expenses incurred
If you think your home might be unsafe due to the storm damage, please contact your insurance company to discuss finding temporary housing accommodations

WINTER WEATHER ALERT

Fri, 18 Jan 2019 23:18:00 GMT

With the storm approaching us this weekend here is a message from National Grid:

We are continuing to monitor the weather forecasts and are putting plans in place to address any potential outages the weather may bring. The forecast continues to evolve, but obviously the greatest concern right now is with the chance of heavy wet snow that can bring down branches and cause damage to the electrical system; as well as the chance for icy conditions late on Sunday.

We will be opening up storm rooms and staging sites in Massachusetts and will have additional National Grid staff on hand prepared to handle wires down calls, damage assessment, substation, transmission and underground needs.

In the meantime, we would like to encourage our customers to adhere to the following safety messages:

Safety Messages

We are keeping safety a priority:

We urge customers to watch out for their own wellbeing and the safety of utility crews working during the storm. Here are some tips to help keep everyone safe:

• Never touch downed power lines, and always assume that any fallen lines are live electric wires. If you see one, report it immediately to National Grid or your local emergency response organization.

• Power problems can sometimes interrupt public water supply systems or disable well pumps, so it’s an especially good idea to keep a supply of bottled drinking water handy, as well as some canned food.

• People who depend on electric-powered life support equipment, such as a respirator, should let National Grid know. To register as a life support customer, call the company’s Customer Service Center at 1-800-322-3223.

• Check on elderly family members, neighbors and others who may need assistance during an outage period.

• Report power outages at nationalgridus.com/OutageCentral or call: 1-800-465-1212

Electric safety

• If you use a generator to supply power during an outage, be sure to operate it outdoors. Before operating generators, disconnect from National Grid’s system by shutting off the main breaker located in the electric service panel. Failure to do this could jeopardize the safety of line crews and the public.

• If you lose power, turn off any appliances that were on when the power went off, but leave one light on so you will know when power is restored.

• Reminder: It’s not safe to work in an elevated bucket during periods of increased wind gusts. Our line workers begin restoration work only when conditions are deemed safe.

Gas safety

• Natural gas customers should closely inspect areas around and over gas meters, service hook-ups and vents for ice and snow that could damage equipment or prevent CO from properly venting.

• If you suspect a natural gas leak:

o Get Out - All occupants should leave the house immediately. Do not use the telephone or light switches for any reason.

o Call Us – After leaving the house and reaching a safe environment, call the National Grid 24-hour gas emergency numbers:

o New England:1 -800-640-1595

o Stay Out - Do not return to your home until National Grid tells you it is safe.

Carbon Monoxide

• The symptoms of carbon monoxide poisoning are similar to those of the flu. Depending upon the amount of carbon monoxide in the air and length of exposure, symptoms may include headaches, weakness, confusion, chest tightness, skin redness, dizziness, nausea, sleepiness, fluttering of the heart or loss of muscle control.

• If you suspect carbon monoxide is present in your home, go outside immediately and breathe deeply; then call 911. If symptoms are severe, get medical attention right away.

Encouraging Customers to Stay Connected:

• Report power outages at www.nationalgridus.com or call 1-800-465-1212.

• Receive text message alerts and updates when you text the word STORM to NGRID (64743).

• Use your mobile device to track outage information and storm-related safety tips through National Grid’s mobile site accessible at www.ngrid.com/mobile .

• Like us on Facebook and follow us on Twitter and Instagram; we post all the latest storm and restoration updates.

• Track outages and ETRs at www.nationalgridus.com/outage-central

Please contact me at 617-263-3380 if you have any questions.

Stay Safe!

Free Coffee, Tickets and Gas Points Oh My!

Thu, 03 Jan 2019 22:11:00 GMT

Yes you read right! How safe driving can help save you money.

Plymouth Rock Assurance, one of our agency’s leading carries, is turning safe driving into real, everyday rewards with the simple click of a button. Just download the Road Rewards App and start driving. It’s as easy as that!

To our customers with Plymouth Rock auto insurance, here are a few ways to earn and enjoy your rewards. After every drive, Road Rewards evaluates your driving performance and provides a trip score with these five key measurements:

- Distracted driving

- Speeding

- Harsh acceleration

- Hard braking

- Hard cornering

The smoother and safer you drive, you will have no problem racking up points! YOU are in control! Help keep our roads safe by decreasing distracted driving and reducing aggressive driving habits.

Rewards include:

- Shell gas station – discounted fuel

- Free movie tickets from Showcase Cinemas

- Starbucks gift cards

- Amazon gift cards

- Spotify gift cards

- Spa & Wellness Week gift cards

It can’t get any better than this!

If you are a Plymouth Rock customer and don’t have the app downloaded, you are missing out! It just takes a few seconds to download!

DOWNLOAD

Road Rewards is available for Apple phone users by visiting the App Store and for Android phone users by visiting Google Play.

The Road Rewards app is available for use by the general public, but to earn rewards you must be listed as an insured operator on a Connecticut or Massachusetts personal auto insurance policy issued by Plymouth Rock Assurance Corporation or a New Hampshire personal auto insurance policy issued by Mt. Washington Assurance Corporation. In Massachusetts eligibility is limited to policies having effective dates on or after February 1, 2018. Other terms and conditions apply. Should you have any questions, visit our Road Rewards FAQ page or call our Customer Solutions team at 855-993-4470.

For restrictions applicable to Amazon gift cards, see https://www.amazon.com/gp/help/customer/display.html?nodeId=3122091 . ( Plymouth Rock )

Winter Is Upon Us!

Tue, 18 Dec 2018 22:30:00 GMT

Days are getting longer and nights are getting colder… Before you get ready to sit down by the fire and enjoy a nice cup of hot chocolate, make sure the following are in order!

Here a few Safety and Winter Maintenance Tips

Heating System

As winter progresses make sure you check your heating system to prevent any unwanted outcomes from occurring

Check your furnace or boiler and serviced by a licensed contractor at least once a year
Clean or replace the furnace filter on forced hot air systems
Have your chimney checked and serviced by a licensed contractor
Fill your fuel tanks and keep an eye on them throughout the winter
Set your heat no lower than 55 degrees to prevent the water in your pipes from freezing
Maintain your wood burning or pellet stoves according to the manufacturer’s instructions

Insulation

Remove screens from windows and install storm windows – if necessary
Add extra insulation in the attic to help guard against ice dams - if too much heat escapes into the attic it can cause the snow to freeze and cause an ice dam which can lead to water damage inside your home or possibly even your roof to collapse
Weather stripping around your doors and caulk any windows to protect against draft and heat loss

Utilities

This time of year can be the most damaging time. Freezing temperatures can be very problematic especially to your home’s water piping. Make sure your pipes are adequately prepared to withstand what this winter will bring.

Check for water leaks – if so have them fixed immediately – wrap water piping in UL –Listed heat tape and insulate if it is exposed in unheated areas, for example, garages, crawl spaces or attics. If water piping is plastic use thermostatically controlled heat tape and following the manufacturer’s instructions
Learn how to shut off your water – know where your pipes are located in case of an emergency – you may be able to prevent damage

Exterior Safety Measures

Any over handing trees or trees near your house – make sure any dead branches are removed so they don’t cause any damage to your house or car
Keep gutters clear of leaves or other debris that could freeze – to help ensure melting snow has the proper drainage

Interior Safety Measures

Check your smoke detectors, fire alarms and carbon monoxide detectors, and replace batteries to ensure they are operating correctly

TOP THREE SAFETY MEASURES

Make sure you have snow shovels and ice melting compounds on hand
Keep all walkways and driveways are clear and properly taken care of
Keep fuel for snow blowers and generators in approved safety containers and away from heat or flame producing devices. DO NOT STORE FUEL IN YOUR BASEMENT

Stay warm!!

Halloween Safety Tips

Wed, 31 Oct 2018 20:05:00 GMT

Trick-or-Treat! The famous Halloween saying and American practice since the early 1900s. All the ghouls, ghosts and goblins will be roaming tonight.

Neighborhoods and streets will be filled with children in costumes ringing doorbells asking to have their bags filled with candy. Families have decorated their homes, yards, and basements for haunted houses waiting for trick-or-treaters to come by. The spirit of Halloween has spread!

With that being said, it can be a very scary night for some. In order for the night to not get scarier than it already is, please keep the following tips in mind from us and our friends from Travelers .

Dangers At Your Home

· Walkways are clear of any obstacles that may be hazardous

· Walkways are well lit

· Any decorations that involve extension cords are tucked away

· Use battery operated candles with no open flame

Dangers on The Road

· Drive with caution

· Check your surrounding areas before pulling out of your driveway or turning a corner

· Put electronic devices away

Trick-Or-Treaters

· Look both ways before crossing the street

· Use a sidewalk or crosswalk (if there is none, walk facing traffic)

· Wear light colors; wear reflective tape; carry a flashlight

Don’t be too frightened by the risks of Halloween but it is important to keep these safety tips in mind while also having fun!

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"Be Thankful for Insurance: Says No One Ever..."

1. Financial Safety

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3. Family Protection

4. Business Security

5. Encourages Responsibility

So, let’s raise a glass to insurance. It provides financial protection and peace of mind, allowing us to focus on living life to the fullest—or at least avoiding financial disaster. What are you thankful for in your insurance experience? Share your thoughts, if you dare! Permalink

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2. You Could Replace Your Belongings and Valuables

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2. Fire Damage

3. Property Theft

4. Water Damage

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Boating Season – Coverage You Need

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Commercial Umbrella Insurance, Added Coverage When It Matters!

Protect Your Home From Mother Nature’s Frenzy!

We’re Now Offering RMV Services At Our Mansfield Location!

BIG THINGS ARE COMING!

Preparing for hurricanes and tropical storms!

Make sure that you're not only prepping your home, but also your business

New RMV Guidelines

Safety Standards and Checklist: Restaurants

Social Distancing

Hygiene Protocols

Staffing and Operations

Cleaning and Disinfecting

Checklist

Massachusetts Registry of Motor Vehicles (RMV) Implementing Further Extensions to Expiring Licenses, Permits, Motor Vehicle Inspection Stickers, and Passenger Plate Registrations

What New Graduates Need To Know About Insurance?

How To Spring Clean Your Insurance Policies

Homeowners Insurance

Life Insurance

Auto Insurance

Hurricane Season

***WINTER WEATHER ALERT***

With the storm approaching us this weekend here is a message from National Grid:

Free Coffee, Tickets and Gas Points Oh My!

DOWNLOAD

Winter Is Upon Us!

Here a few Safety and Winter Maintenance Tips

Heating System

Insulation

Utilities

Exterior Safety Measures

Interior Safety Measures

TOP THREE SAFETY MEASURES

Stay warm!!

Halloween Safety Tips

So, let’s raise a glass to insurance. It provides financial protection and peace of mind, allowing us to focus on living life to the fullest—or at least avoiding financial disaster.

What are you thankful for in your insurance experience? Share your thoughts, if you dare!

Permalink

WINTER WEATHER ALERT