If you’re starting to feel a winter chill in the air, then now is the perfect time to make sure that your home —and everything in it—is safe from the most common hazards of the season. From freezing rain and ice to heavy sleet and snow and drastically fluctuating temperatures, your house can take a serious beating during this time of year. But of all the perils of winter, perhaps the most harmful threat to your home is the infamous ice dam. Every year in New England, ice dams cost homeowners millions of dollars and cause serious property damage.
How the Fall River YMCA Has Stepped Up to Help the Community and Why It Needs Our Support Now More Than Ever If you grew up with a YMCA in your town, you probably thought of it as the place to learn how to swim. In fact, HIG’s Chris Hadley, principal and insurance broker, has some distinct childhood memories of his brother going to the Fall River YMCA to take swim lessons. Fortunately for Chris and others who have taken swim lessons post-1960, the Fall River YMCA has evolved significantly since those earlier days. Through its membership dues, state and
Editor’s Note: This blog was originally published in October 2015 but has been updated to reflect the latest information on fire prevention. Every October, the National Fire Protection Association (NFPA) cooks up a theme for its annual fire prevention week. This year, the focus will be on “Serving Up Fire Safety in the Kitchen.” Raising awareness on how to stay safe in the kitchen is not only the NFPA’s priority but also the HIG team’s mission, for many reasons. The kitchen is typically the most heavily trafficked room in everyone’s home. Almost half (44%) of reported home fires started in
When the sun is in the sky and the weather is heating up in Fall River and the South Coast, most people think of fun days at the beach splashing in the water or relaxing with a good book. While summer generally is a time for fun and relaxation, rising temperatures can also be dangerous if you don’t take the proper precautions. Kids and pets are among the most vulnerable during these summer months, so HIG wants to remind you to follow these summer heat safety tips that will keep your family safe. Kids Summer Heat Safety Children’s body temperatures
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
When you’re a small business owner, there are a million and one things you have to worry about everyday. Having the right kind of insurance can ease some of those worries while protecting you from mishaps ranging from employee injury to fire. Here are seven types of insurance that every business owner should have. General Liability Insurance Regardless of what kind of business you are, you should definitely have General Liability Insurance. It will protect you, your employees, and your business against expenses related to bodily injury or property damage and covers things like legal costs and medical bills. Worker’s
You thought you took the necessary steps to protect your home from freezing temperatures, but now you’re dealing with a burst pipe. What should you do? First of all, stay calm. Then, follow these steps. Shut off your water and potentially your electricity If a pipe bursts in your home, the first thing you should do is turn off your water to minimize flooding damage. Every homeowner should know where the main water valve is. Find it and shut it off immediately! If necessary, you should also turn off electricity to the areas of your home where the flooding is
Along the South Coast of Massachusetts and Rhode Island, there is a high potential for flooding as a result of increasingly violent storms. High winds, downbursts, and fast-moving water are just a few examples of forces that increase the risk of water damage inside your home. Even with our close proximity to the water along the coast, most people don’t realize that flood insurance is not covered in your a homeowners insurance policy. Here at HIG Insurance, we’ve worked to protect homeowners from flood damage for more than 100 years. The first step to protect your coastal home is to
The holiday season in New England is a beautiful and festive time of year. From Christmas trees to holiday lights to family gatherings, you’ll always notice more smiles around the holidays! But there are also some safety hazards that come with food, travel, and trimmings. Decorate safely and keep your holidays merry and bright with these five holiday safety tips. Avoid The Gift of Food Poisoning Few things can mar a festive family dinner more than a bout of food poisoning! Keep your cooking top notch with these guidelines from U.S. Department of Health and Food Services: Do not wash
Severe weather can strike at any time–as we saw a few weeks ago when golf ball sized hail took Massachusetts by storm in the middle of summer. If you’ve experienced a hailstorm you know that these small balls of ice are much more dangerous than they look. The rare form of precipitation is also the most dangerous, and even small sized hail can cause substantial damage to the unprepared car or home. The average hailstorm lasts about five minutes, but according to reports by the National Weather Service, hail causes upwards of a billion dollars worth of damage every year.