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Category Archive for ‘Commercial Lines’

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HIG Business Insurance Client Spotlight: Straight Talk with CyberComm, Inc. CEO, Bob Salvatore

At HIG, we know it’s not by coincidence or luck that our company has enjoyed over a century in business. We recognize that we owe both our longevity and ongoing agency growth to the clients who have entrusted us with their insurance needs, both business and personal, for generations. To show our appreciation for our clients’ years of support, we decided to kick off a new blog series that puts a spotlight on some of their businesses, many of which are right in your backyard.

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Fall River, MA: About a Building

Many old buildings in Fall River, MA, have incredible stories to tell and history lessons to teach about our local area and beyond. The Fall River Historical Society on Rock Street, for example, is a treasure trove of local artifacts, including old manuscripts, drawings, paintings, photographs, furniture, and sculptures. There’s also the Lafayette-Durfee House on Cherry Street. Belonging to Colonel Joseph Durfee, who is famous for leading the Fall River militia during the War of Independence, this house contains hand-stitched clothing, civilian muskets and military weapons, medical equipment, and cooking and other household items, all from the 1700s.

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Mortgage & School Loan Relief During COVID-19

During this uniquely challenging and confusing time, HIG is doing our best to share as much straightforward and helpful information as we can with the people and communities we serve. Today, we would like to dive into some of the financial support for individuals and families that is included in the recently passed Coronavirus Aid, Relief, and Economic Security (CARES) Act.

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Will a Business Owners Policy Protect Against a Virus-Related Claim?

With Massachusetts Governor Baker and Rhode Island Governor Raimondo’s recent executive orders for all non-essential businesses to temporarily close their brick-and-mortar facilities, small businesses throughout the region are being financially impacted. During this uncertain and unprecedented time, many business owners are left with more questions than answers. Unfortunately, this likely won’t change anytime soon. As the COVID-19 outbreak continues to develop, our team is unable to speak directly to how business insurance policies will respond to a claim, and we would urge you to be wary of any agent who suggests otherwise. However, there are three things we can share with you at this time.

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Cyber Security Tips for Your Medical or Health Care Practice

When it comes to medical and health care providers, cyber security is not something to be ignored. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires personally identifiable information (PII) and other data to be kept both private and secure. Therefore, HIPAA cyber security compliance requirements must be met in order to protect confidential and private patient records. Here at HIG, our priority is to help health care providers and medical offices understand cyber security risks and how to overcome them.

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Six Vital Insurance Coverages That Will Help Protect Your Medical or Health Care Practice

As a medical professional, you no doubt already carry medical malpractice insurance. In most states this insurance is not only essential for physicians and other health care service providers, but also a legal requirement. However, while your malpractice insurance will provide you with coverage for liability arising from disputed services that result in a patient’s injury or death, this is certainly not the only insurance product that you need to protect yourself, your business and your employees. Learn more about the various coverages you may need and how HIG can help you find the best insurance options for medical offices and health care practices.

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How to Execute an Effective Risk Management Process in Just Five Basic Steps

Whether you’re a manufacturer of textiles and fabrics, niche high-end products, medical sutures, lighting fixtures, eco-friendly apparel, or any other Massachusetts and Rhode Island domestically-made products, there are always a number of constant, growing, and emerging risks that your company faces, from product quality and contamination issues to breaches of technology.