Call us today at 508.676.5949 to start your future!

Blog

Insurance for Coastal Homes Q&A with Paul Burke

Now that the weather is finally warming up, there’s no denying that the South Coast of Massachusetts and Rhode Island is a great place to live — especially when you consider the beautiful beaches and scenery, fresh seafood, and sense of community found along the coast. Coastal homeowners also enjoy a boost as their home values increase, with many waterfront homes doubling in value over the last 20 years, according to a recent Zillow study. As home values increase, however, so do the costs of insuring these beautiful properties. Luckily, your HIG insurance agent is here to help. While we can’t

Business Insurance: Answers To Frequently Asked Questions Many Business Owners Have

Here at HIG, we’ve been helping local businesses in Fall River, Somerset, and along the South Coast of Massachusetts and Rhode Island with their business insurance needs for more than 100 years. Over the course of that time, we’ve seen how the business world has changed, and have worked to make sure our insurance offerings evolve with it. We sat down with HIG partner Chris Hadley to go over some of the biggest risks and questions that business owners today have. Read along to learn more about what your business needs to be fully protected. Q. What are some business

car insurance rates

HIG’s Guide To: Changing Car Insurance Rates

You’ve probably seen it in the news, but car insurance rates are on the rise, with all signs pointing to technology as the main culprit. In today’s highly connected world, cars are becoming more advanced with new safety features and technology. While these changes were intended to make cars safer, they also make it more expensive to repair a car when it is involved in an accident. Hence, the increase in car insurance rates in Massachusetts, even for drivers who have not been involved in a recent crash. Here at HIG, we are breaking down why car insurance rates are

Tips To End Distracted Driving

All it takes is four seconds to change the radio station, sip your coffee, check your makeup in the rearview mirror, read a text — or get into an accident. Did you know that taking your eyes off the road for four seconds while going 55 mph is the equivalent of driving the length of a football field blindfolded? Hard to believe, we know, but what’s even more unsettling is the number of people who drive like this everyday. According to the U.S. Department of Transportation, there are 660,000 distracted drivers on the road at any given time, which many experts

Carbon Monoxide Safety Tips for Winter

From portable heaters to fireplaces and wood stove safety, there are a lot of things to be aware of during a New England winter. But one of the biggest winter dangers is invisible to the naked eye: carbon monoxide poisoning. According to the CDC, more than 20,000 individuals visit the emergency room for carbon monoxide poisoning every year and over 4,000 are hospitalized. The dangers are real, just like in this tragic case in Acushnet. So what can you do to prevent this silent killer from harming your family? Read on for some common sources of carbon monoxide poisoning along

Car Insurance Renewal Checklist

Can you believe that it’s already 2017? We know you’re probably worried about your New Year’s Resolutions like being healthier or spending more time with family, but at HIG we think the New Year is also a good time to think about your car insurance. For many people, the first of the year is the time to renew your car insurance policy. If this is the case for you, make a goal to be more proactive about your insurance this year. Follow our helpful tips to make sure you have the coverage you need to stay safe on the road

Here’s Why You Need Business Income Insurance

Imagine this: a tree is knocked over during a winter storm and falls onto a set of power lines in front of your business. This incident sparks a fire that damages your building, along with your two commercial vehicles parked out front. You’re forced to close for a few months in order to rebuild your office. Could your business survive without the income? Well, here’s why you need business income insurance. For a lot of businesses, this exact scenario can be make or break. If your business suffers a major claim and is unable to generate revenue, what would you

Business Tips – The Four Different Kinds Of Business Liability Insurance You Need To Know About

When it comes to protecting your business, having the right liability insurance can be make or break. Consider this: a customer trips and falls on a set of stairs in your building and breaks their leg — would you be able to cover their medical costs? Or what if you are the victim of a data breach, resulting in the release of all of your clients’ credit card information? Would you have the resources to resolve the problem? In many cases, experience and hard work are not enough to keep a business thriving. If you own a business, here are

Cyberbullying & Insurance – What You Should Know

When was the last time you saw something in the news about cyberbullying? Probably not long ago. Although bullying has always existed, this new form of harassment is more difficult than ever to combat thanks to technology and social media. From Snapchat to Twitter to Instagram, there are seemingly endless mediums for teenagers to connect, most of which can be done instantly from their phones. And once they post a photo on the Internet or text it to a friend, it’s there for good, and leaves a solid footprint. As a parent, it’s up to you to make sure they

A Quick Guide to Insuring Your College Student

Where did the summer go? Somehow it’s September again, which means you’re dealing with getting your kids back to school. If you have a child headed to college this year, there are so many things to think about. From course loads to housing to making sure they know how to do their own laundry, back to school season can be overwhelming for anyone. At HIG, our goal is to help you worry less, which is why we’ve laid out a few insurance tips specifically for your college kids. Auto Insurance Parents, did you know that your MA auto insurance policy