Personal & Business Insurance Blog | HIG of Massachusetts

Photo of an empty pool on a sunny day with a text overlay above it

July 31, 2018

Does Homeowners Insurance Cover My Swimming Pool?

When it comes to your swimming pool, homeowners insurance helps in two ways. If your pool is damaged by a covered loss, such as a fire, lightning strikes, or vandalism, coverage for the structure of your home or coverage for personal belongings, can help pay for repairs. Your homeowners policy also offers liability protection, which can help pay for bills related to an injury occurring in or around your pool. However, it is important to note that your policy limits will most likely need to be adjusted to ensure you have the adequate coverage for your swimming pool.

Photo of a healthcare worker using a tablet with a text overlay above it

June 27, 2018

Cyber Security Tips for Your Medical or Health Care Practice

by HIG Staff / Posted in Commercial Lines

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.

Photo of a patient's vital signs on a tablet on a desk

May 25, 2018

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

by HIG Staff / Posted in Commercial Lines

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.

Photo of a teenage driver driving a red car with a text overlay

April 26, 2018

Teen Driver Safety

by HIG Staff / Posted in Car Insurance, Personal Lines, Safety Tips

It seems like just yesterday you were holding their hand to cross the street and helping them tie their shoes, but now your child is officially a teen, and with that comes a new and exciting chapter — driving! Here at HIG, we know handing over the keys to your teen is a big deal and that’s why we’re here to help make sure you and your teen are ready for this new freedom and responsibility.

Photo of a man operating a manufacturing machine

April 9, 2018

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

by HIG Staff / Posted in Commercial Lines

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.

Photo of an empty couch in a living room with a text overlay

March 29, 2018

Home Inventory Guide

by HIG Staff / Posted in Personal Lines

It’s officially spring and that means it’s the perfect time to dust off the remnants of winter and welcome the warmer weather into your home. While some get to work reviving their lawns and cleaning out gutters, here at HIG we believe that spring cleaning time is also a great opportunity to take note of your personal belongings through a home inventory! Imagine trying to remember the details of your belongings after a devastating claim. A home inventory clearly documents all of your possessions and their value, which can help expedite the claims process, especially when our memory may fail

Photo of a man blowing his nose with a tissue at his work desk with a text overlay at the bottom of the image

February 26, 2018

Cold & Flu Prevention Tips

by HIG Staff / Posted in Safety Tips

It’s that time of year again — cold and flu season is in full swing. Unfortunately, these types of illnesses can spread quickly, especially for people working in close quarters. While the workplace can be a perfect environment for the spread of germs, there are things you can do as a business owner to maintain your health and the health of your employees. Here are some useful tips to help contain the spread of the flu this winter. Encourage Employees to Get a Flu Shot So far this year, there have been thousands of influenza cases in Massachusetts. According to

Photo of a man smiling while holding paper and looking at his laptop screen

January 25, 2018

2018 Insurance Resolutions

by HIG Staff / Posted in Commercial Lines, Personal Lines

Every year when the clock strikes midnight and the new year begins, people vow to make changes. New year’s resolutions range from getting healthy, to spending more time with family, to saving money — all great goals to set! But you might be forgetting to include some other important intentions. Here at HIG, we want to make sure you start off 2018 right by being properly insured, which is why we’re offering a few insurance resolutions to accomplish this year. Review & Adjust Your Policies A lot can happen in a year, making now a great time to review your

Photo of the entrance of a home with snow in their front yard

December 21, 2017

5 Tips to Winterize Your Home in New England

by HIG Staff / Posted in Personal Lines

Winter’s arrival is no surprise to New Englanders, yet many of us still aren’t fully prepared for its return. If you put in the time now to get your home ready for cold winter weather, however, you can worry less later. Here are some big things you should take care of now to winterize your home in New England and ensure a cozy and safe winter.

Photo of two men looking at the damages on their car

December 15, 2017

Accident Forgiveness in Massachusetts

by HIG Staff / Posted in Car Insurance, Commercial Lines

Do you sometimes wish you had a rewind button? We’ve all had those mornings where we’re rushing to get to work and finishing our breakfast in the car. Sometimes you get there just fine, and sometimes you end up with coffee stains down your shirt. But what if suddenly the worst were to happen — in the flash of a second you’ve gotten into an accident.

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