559 Hope Street P.O. Box 8 Bristol, RI 02809

401-253-6542
bdias@johnandradeinsurance.com
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Why has my Auto Premium Increased?

As I am sure you have seen, auto rates are significantly changing throughout the entire industry. We are seeing this for a number of reasons: A surge in average miles driven and a rise in distracted driving has caused an increase in the frequency of claims for auto policies. We are also seeing an increase with the severity of claims due to higher litigation costs and higher attorney representation rates, settlement amounts for liability losses driven by bodily injury claims, and higher physical damage claim costs due to the growth of new technology (i.e backup cameras, GPS systems, sensors, etc) and the auto repair costs that come with the newer technology. All of these factors are directly driving changing rates.

Thursday, August 26, 2021

For nearly six decades, she’s been the face of her firm Pat Malafronte started working at Andrade Insurance in 1963, and she still enjoys her job Pat Malafronte at her familiar spot, greeting customers to the Hope Street office....

Tuesday, June 9, 2020

In January, our Rhode Island Workers Compensation carrier, Beacon Mutual, announced a Six Million Dollar loss sensitive dividend. Given the financial hardships facing many policyholders, Beacon will be accelerating the payment of these...

Wednesday, April 22, 2020

Why Do Business With John Andrade Insurance Agency, Inc.? On average 20 Years of Insurance Experience per Employee Stability in the Community for 85 Years Team approach to Client Needs/Issues 24/7 Access to our Staff (2 Staff Members...

Monday, December 30, 2019

Why has my Auto Premium Increased? As I am sure you have seen, auto rates are significantly changing throughout the entire industry. We are seeing this for a number of reasons: A surge in average miles driven and a rise in distracted...

Tuesday, July 23, 2019

Our insurance agency is always happy to support the local community and we will be sponsoring a free summer event. Beat the heat and come on down to Dartmouth Regional Park & Trails on Sunday, August 4th at 443 Old Fall River Road in...

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Friday, May 3, 2019

John_Andrade_2019 from JH Communications on Vimeo.

Friday, March 22, 2019

Our agency always strives to promote safe driving. Plymouth Rock Assurance, one of our agency's Massachusetts auto carriers, is turning safe driving into real, everyday rewards with the simple click of a button. With Road Rewards from...

Friday, March 8, 2019

Another Valentine’s Day has come and gone just like every other holiday and special moment days. Jewelry is often bought during these holidays and may be valuable to you or you may have collected a lot of small items that have...

Friday, February 1, 2019

With the Fall River apartment complex fire that occurred on New Year's Day, and about 45 displaced tenants were assisted by the Red Cross. A woman was killed when the car she was driving crashed into the Four Winds Apartment complex at...

Friday, January 18, 2019

Attention AAA Rhode Island members! AAA Rhode Island is canceling their contract with MAPFRE effective February 1st. Please note, any AAA member looking to remain with MAPFRE for their auto insurance can contact our office and keep...

Thursday, November 15, 2018

Southern New England’s first snowfall is arriving early this year for much of Rhode Island and Massachusetts. The Ocean State hasn’t seen its first snowfall in November since 2014. With 1 to 3 inches of snow and sleet...

Monday, October 15, 2018

Our staff had a great time this past Sunday, October 14th attending the Victoria Sousa Foundation’s annual 5K Run/Walk at beautiful Colt State Park in Bristol. It was the foundation’s 5th annual event. The Victoria Sousa...

Thursday, September 20, 2018

September is always a busy month with kids starting school and going away to college. It’s also Life Insurance Awareness Month. In honor of the month, here are six things to consider when you’re thinking about getting life...

Wednesday, September 19, 2018

Dear Mr. Matrone, This letter is to bring to your attention some exceptional customer service offered by one of your employees, Tami Reis. During the past week, Tami worked with Mike Cirillo to help us navigate a less-than-normal...

Tuesday, August 21, 2018

During the summer, a swimming pool can be the center of summertime fun, family time, and exercise. Having a pool at home can be great fun for the entire family. It can enhance your property’s value and provide the perfect...

Friday, July 20, 2018

The Rhode Island Department of Motor Vehicles has announced that effective July 18th it will no longer require and accept SR-22 fillings. Please see the formal notice below from the DMV! Effective immediately, the Rhode Island Division...

Wednesday, July 18, 2018

Photo by Lila Delman The weather this summer in Rhode Island has been very nice and you may be considering about scheduling a beach day with family and friends. The Ocean State has nearly 400 miles of coastline. Here’s a list of...

Wednesday, May 30, 2018

Thursday, May 3, 2018

At John Andrade Insurance, we take pride knowing you are covered when you’re on the road. Below is a video from Selective Insurance on the dangers of distracted driving. Drivers using hand-held or hands-free mobile devices are 4...

Tuesday, April 10, 2018

Next Tuesday April 17th is Tax Day – the deadline for which individual income tax returns are due to the federal government. While most people look forward to the refund they receive, tax season is the perfect time for identity...

Tuesday, March 27, 2018

If you are one of our business insurance customers and you have one of your policies through United States Liability Company (USLI), then you are eligible to access their Business Resource Center. This Business Resource Center is a...

Friday, March 2, 2018

Have you ever gotten an email that just doesn’t look right? You had a “gut feeling” that something was suspicious. This practice of tricking (or baiting) is called PHISHING. Phishing is when a scammer uses fraudulent...

Wednesday, January 31, 2018

The clock is counting down to kickoff for this year’s Super Bowl between the New England Patriots and the Philadelphia Eagles from Minneapolis, MN. Here in Rhode Island, we’ll be rooting for Tom Brady and the Patriots! As...

Wednesday, January 17, 2018

Have you ever considered how old your water and sewer lines are? Are they 10, 20, or 50 years old? Two of our preferred carriers, Andover & UPC have enacted a service line coverage as an endorsement to their homeowners policies. Both...

Thursday, January 11, 2018

January is National Teen Driver Awareness Month, marking a rite of passage for young people by highlighting the need for teen driver safety training. Here in Rhode Island, winter weather as we know can strike in as instant and with...

Friday, December 29, 2017

Monday, December 18, 2017

The holiday shopping season is in full swing not just here in Rhode Island but all over the world. Currently, we are a week away from Christmas and right now is a good time to touch on the importance of good driving habits and not...

Friday, December 8, 2017

As southern New England prepares for snow this weekend, below are some winter driving tips to keep in mind while traveling this winter and holiday season. Winter driving can be extremely difficult especially here in Rhode Island and...

Monday, November 27, 2017

Bristol’s annual Christmas Festival & Grand Illumination Ceremony will take place this Saturday, December 2nd from 4- 6 p.m. Join your friends and neighbors in front of the Burnside Building on the corner of Hope and Court...

Wednesday, November 22, 2017

The Thanksgiving holiday is upon us and there are a few things to keep in mind before you cook turkey and all the fixings. There will be an increase in travel not just in Rhode Island but all over the country and an increase in house...

Wednesday, November 8, 2017

John Andrade Insurance is happy to announce that we have officially gone green with a solar panel installation that was recently completed at our downtown Bristol location at 559 Hope Street. 28 10-kw photovoltaic new solar array...

Thursday, November 2, 2017

Calling all pet owners! Our agency is now able to offer Pet Health Insurance through Safeco Insurance. The Pet Health Insurance is provided and administered by Hartville Pet Insurance Group, a member of the Crum & Foster Enterprise....

Thursday, October 19, 2017

The John Andrade Insurance team had a great time this past Sunday attending the Victoria Sousa Foundation 5K Run/Walk at beautiful Colt State Park in Bristol. It was the foundation’s 4th annual event and they had over 350...

Friday, October 13, 2017

There’s a good chance some of your personal information has been compromised. Over the summer, an Equifax data breach exposed the personal details of 143 million Americans. As a result, a large percentage of the U.S. population...

Friday, September 29, 2017

September is always a busy month with kids starting school and going away to college. It’s also Life Insurance Awareness Month (LIAM). In honor of the month, here are six things to consider when you’re thinking about...

Friday, September 22, 2017

Most landlords don’t realize that they can be sued for a variety of “discrimination claims,” many of which will be without basis in reality. Tenant discrimination is on the rise. Will you be covered if someone decides...

Tuesday, September 12, 2017

Hurricane Harvey blasted the Gulf Coast region and caused a catastrophic flood disaster in Southeast Texas and Houston – the 4th largest city in the country. As a tropical storm, Harvey dropped 40-52 inches of rainfall in...

Monday, August 21, 2017

In a few weeks, incoming freshmen from around not only Bristol and Warren, Rhode Island but throughout the United States will flock to universities across America to begin their college career. At first, this can be both exciting and...

Wednesday, August 16, 2017

With hurricane season in full swing, our team at John Andrade Insurance would like to remind you of the importance of being prepared. Your home isn’t only where your heart is — it’s where your money is. It’s...

Friday, August 4, 2017

One of our longtime carriers, Selective Insurance Group, Inc. had a great article recently on their website dedicated to Independent Agents! The article titled, “Return of the Agent: Why DIY Doesn’t Work for...

Friday, July 28, 2017

At John Andrade Insurance, we’re proud to be a part of the nationally recognized Trusted Choice brand. Trusted Choice represents nearly 140,000 Licensed Independent Insurance Agents & Brokers of America, a trade association. Like...

Friday, July 21, 2017

Travel seems to always be on everyone’s calendar during the summer months including many families around Bristol and Warren, RI take vacations in July and August before kids return to school. One thing to be aware of is that it...

Friday, July 14, 2017

It’s important to take care of your home all year long and to keep it in the best possible condition. The summer is a great time for homeowners around Bristol and Warren, Rhode Island and throughout New England and the...

Friday, June 30, 2017

Bristol native and our very own PGA Tour Champions professional golfer Billy Andrade will be featured on the Golf Channel on July 5! The feature is part of a special profile on Billy and is a sneak peek into his life away from the golf...

Monday, June 19, 2017

It’s already the middle of June and preparations have been ramped up for a while now here in Bristol as our annual Fourth of July parade is less than two weeks away. Bristol’s Annual Fourth of July Celebration, established...

Saturday, June 17, 2017

The 19th annual edition of the CVS Health Charity Classic returns this weekend to beautiful Rhode Island Country Club in Barrington, RI. Tournament Co-hosts Billy Andrade and Brad Faxon are once again bringing in a world class lineup...

Friday, June 9, 2017

Although we don’t here much about them in New England and the Northeast, earthquakes are one of the natural disasters that are not typically covered under standard homeowners insurance policies. According to the Insurance...

Friday, June 2, 2017

Friday, May 26, 2017

If you are one of our customer’s whose policy is with Plymouth Rock we want you to know that starting May 1st, they are now offering a new endorsement that extends liability and physical damage coverages afforded by a private...

Friday, May 19, 2017

The spring season is the perfect time to inquire about contract work for your home. Many homeowners hire contractors for home improvements during the spring and summer months especially here in Bristol and Warren, Rhode Island. Quality...

Monday, May 15, 2017

Warmer spring weather here in Bristol and Warren, Rhode Island means an increasing number of motorcycle riders will be out on our roads as the days get nicer. Motorcycle riders can be difficult to see on busy roads because of their...

Monday, May 8, 2017

Construction work is picking up here in Rhode Island and Massachusetts as the warmer weather has moved in to our region. Our representatives here at John Andrade Insurance Agency, Inc. in Bristol, Rhode Island want to make sure...

Wednesday, May 3, 2017

Construction Bonds – License & Permit, Bid, and Performance & Payment – They are much easier to get than you think! Spring is in full swing here in Bristol and Warren, Rhode Island and it’s a perfect time to start...

Friday, April 28, 2017

What we our insurance agency doesn’t know can be a problem for you, the consumer. Nearly everyone with a home has a mortgage. Since the bank is “part owner” of your home they must be named on your insurance policy as...

Friday, April 21, 2017

Nearly everyone flies on an airplane sometime in their life. Getting involuntarily bumped from a flight is never a pleasant experience. Unfortunately though, it is something we are seeing become more and more common as airlines...

Wednesday, April 19, 2017

Dogs are our best friends and many people treat them as a member of their family. Unfortunately, no matter how friendly and well-mannered your dog may be, dog bites are always a possibility. According to the Insurance Information...

Thursday, April 13, 2017

This year, taxes are due on Tuesday, April 18th instead of the usual April 15th due to it being a Saturday and Easter weekend. Monday, April 17th is a federal holiday so that is why Tuesday is Tax Day. Most people look forward to...

Friday, April 7, 2017

Even though the weather may not feel spring like right now, warmer temperatures are on the way here in Bristol and Warren, Rhode Island. With warmer weather, brings the excitement of getting your classic vehicles out for a nice...

Wednesday, April 5, 2017

If you are like many businesses, you probably go to great lengths to protect your office and property from natural disasters such as floods, hurricanes, tornadoes and other catastrophes. Our customer – AVTECH Software, Inc. is an...

Friday, March 31, 2017

Spring is here and rainy weather increases the for flooding, flooding that is a real possibility throughout the country, especially along the coastline here in Bristol and Warren, Rhode Island. Many homeowners don’t think they...

Friday, March 24, 2017

Nearly everyone remembers this year’s Oscars – 89th Annual Academy Awards fiasco from a few weeks ago when the wrong winner was announced for Best Picture. The error occurred after a partner from of one the world’s...

Monday, March 13, 2017

Spring is approaching us here in Rhode Island and Massachusetts and giving your house a good cleaning is a common practice. While you’re cleaning you might also want to take an inventory of your possessions. Why? Because you...

Tuesday, March 7, 2017

Distracted driving. It is happening everywhere you look nowadays even in Bristol and Warren, RI! What is distracted driving? The National Highway Traffic Safety defines distracted driving as any activity that could divert a...

Friday, February 17, 2017

While many of us here in Rhode Island and Massachusetts have lived in a snowy climate our whole lives, it seems sometimes many people tend to forget the skills and level of caution needed to drive in dangerous winter weather conditions...

Monday, February 6, 2017

February! The month of love is a time to show your loved ones how much you care about them on Valentine’s Day. We go to great lengths to provide our family with a life filled with happiness, comfort and great opportunities. Why...

Friday, July 22, 2016

Congratulations to John D Hughes, for his Retirement from the US Coast Guard after 27 years of dedication and service. John is married to Deb Hughes, one of our PL Staffers. We wish John, Deb and their family the best as he embarks on...

Thursday, July 21, 2016

We are always trying to promote good health and lifestyle choices but sometimes,ya just gotta have some Junk Food! In the summer, my favorite is Ice Cream! It could be worse, at least it has dairy! What are your Junk Food Favorites?...

Wednesday, July 13, 2016

The Bristol Fire Department and Emergency Management Agency have prepared a brochure for local Hurricane Disaster Info that is being handed out around town. You can reach them @ (401) 253-6912. Click on this link to view a copy of the...

Thursday, June 9, 2016

The scenario: You get a call from a relative who is in some trouble, often claiming a legal or serious financial issue (drunk driving/car accident or the “Utility” is about to shut down their business) that they can...

Wednesday, May 11, 2016

At John Andrade Insurance we continue to be committed to the ongoing education of our entire staff. As with most industries the Insurance Business is always evolving and our staff is challenged to keep up with all these issues....

Monday, April 4, 2016

Workers Compensation policy premium is based on rates and payroll for a particular “class” or type of business. The rates are set by the state each year and the payroll is what you report as what you expect to pay in...

Thursday, March 17, 2016

Don’t leave your Insurance Buying to “Luck”. Be sure to contact the Insurance Professionals at John Andrade Insurance for all your coverage needs. We’re lucky to have a GREAT staff ready to help you everyday!

Tuesday, February 23, 2016

Ice Dams are common in New England and are especially common with heavy accumulation of snow as we saw in Winter 2015. Ice Dams are basically snow and ice buildup on roofs that creates a situation where water backs in behind flashing...

Thursday, February 18, 2016

Are you frustrated by Microsoft’s constant pop-up reminding you about the Windows 10 update? I know I am! Steve Anderson, a respected authority on Insurance Technology made this the subject of his latest techtips newsletter so I...

Thursday, January 14, 2016

Here at John Andrade Insurance we are generally a happy group and we work hard to try and keep our Customers as happy and satisfied as we can. As we start 2016 I thought I’d share some tips from Good Housekeeping on how to be...

Friday, November 20, 2015

As a way to honor and thank our Veterans, JAI is partnering with the people at Front Line Ministry for Freedom. This group provides care packages throughout the year to our military personnel overseas. We have set up a collection bin...

Monday, September 28, 2015

Although Fire Prevention Week is a week away (October 4-10), a fire this weekend at one of our Insured’s rental apartments (see photo) inspired me to write a blog on an fire safety concern many of us may not be aware of. The fire...

Thursday, August 27, 2015

Both RI and MA residents have been getting calls from “the IRS” demanding money for “unpaid taxes” and threatening some action for unpaid items. Recently two coworkers at John Andrade Insurance were talking...

Friday, February 27, 2015

If you are one of our customer’s whose policy is with MiddleOak we want you to know that starting with the May 1st renewals, your policy will now be written with MAPFRE. You may be more familiar with them as Commerce Insurance a...

Tuesday, February 10, 2015

The NEW Auto Insurance Compliance Regulations at the Rhode Island DMV are effective now!!! They could affect YOU!!! Here’s is what is being done. The registry of motor vehicles has hired an outside vendor to verify that you have...

Monday, February 2, 2015

It’s February and what better way to begin the month dedicated to love than to congratulate the team we love the New England Patriots as Champions of Super Bowl XLIX!!! Now that the Super Bowl is behind us, our thoughts can turn...

Friday, January 16, 2015

I learned my first new buzz phrase of 2015: IoT aka the Internet of Things. It refers to all those devices in your life that are now connected to the Internet which send and receive data, such as programs to monitor and set your...

Friday, November 21, 2014

8 Tips for Safe and Legal Holiday Driving Traffic stops and citations frequently increase around the holidays. The best way to avoid accidents and trips to traffic court is to drive safely and know what to do if you are pulled over. If...

Tuesday, June 17, 2014

In March 2014 we had our first drawing for a $250 Visa Gift Card Winner…Lori S. Congratulations Lori! Her name was drawn from those customers who have already received $25 Gas Cards from us for referring other Customers to our...

Thursday, May 1, 2014

Spring is here and there’s no better time to get ready to bid on jobs. In some cases, the owner of the project will require a Contract Bond such as a Bid or Performance/Payment Bond. Many contractor’s don’t bother to...

Monday, March 10, 2014

David Riley, of our office, was recently quoted in the Providence Business News front page story “Rising Above Flood Insurance Costs” (Feb 3-9 issue). The changes in Flood Insurance coverage and pricing brought on by...

Wednesday, December 4, 2013

An Insurance Journal recently carried this article from an insurance professional who applied “Risk Management” principals in his home, which saved him and his family from what could have been a fire disaster. Even if you...

Friday, September 20, 2013

Wildfires in the western part of the country and devastating floods in Colorado are just a few the latest devastating natural disasters that we read about almost every day. The East Coast and RI in particular have been impacted as well...

Wednesday, September 18, 2013

September is Life Insurance Awareness Month and we urge you to take some time to evaluate your current situation and needs. But in this session I want to talk to you about not about traditional Life Insurance but something you could...

Thursday, August 15, 2013

The “Biggert-Waters Flood Insurance Reform and Modernization Act of 2012” was enacted January 1, 2013. Many of the changes from the Act become effective July 1, 2013 for Newly Purchased Policies and October 1, 2013 for...

Tuesday, July 23, 2013

This story is less about the Golf course itself and more about the new owner’s approach on saving this business when many others were struggling and failing. According to the July 1, 2013 ProJo story, three years ago, Crestwood...

Friday, June 28, 2013

We want to Welcome Thames Street Yoga to the John Andrade family. This brand new Yoga studio is located in the heart of Newport! They do tons of classes and provide lots of variety. They sometimes have live music in the studio and...

Friday, May 31, 2013

Friday, May 31, 2013

Along with the great summer weather, comes the threat of hurricanes. The 2013 Hurricane Season officially begins on June 1. We all remember the force of Hurricane Sandy and the devastation it left behind. The American Insurance...

Tuesday, May 7, 2013

This is Teacher Appreciation and May 7th is Teacher Appreciation Day! You know the saying,” If you can read this…Thank a Teacher”. Most of us spent 12 to 16+ years of our lives under the guiding hands of a teacher....

Thursday, May 2, 2013

Faithfull followers of Alayne White Spa know that the Bristol location was flooded and forced to close back in February as a result of Nemo. The silver lining is that it gave Alayne an opportunity to look at some options and she has...

Tuesday, April 9, 2013

BG Landscaping is a full-service landscaping agency that aims to work close with their customers to achieve the highest level of success possible. They take on customers big and small, while providing them each with the same amount of...

Thursday, April 4, 2013

Gray Matter Marketing is an agency that specializes in marketing and event management. Their goal is to maximize sales potential for their clients. They help their clients with marketing and consulting, social media, and event...

Tuesday, March 19, 2013

After enduring this long, cold and wet winter, nobody is taking fireplaces or wood stoves for granted. However, what most people don’t know is that they should be having these appliances cleaned and serviced once per year....

Wednesday, March 13, 2013

Ever thought about what it would be like to compete in a triathlon? An intense race that includes running, swimming and bicycling, where only well-trained athletes can successfully compete. To many, it may seem like a great goal to...

Friday, February 15, 2013

In the past few months, New Englanders’ emergency preparedness has been greatly tested. Hurricane Sandy and Snowstorm Nemo left many without power, wondering what could have been done to better prepare for the storms. Many...

Friday, February 1, 2013

A.T. Siravo Specialty Produce Inc. is a family-owned full service produce company based locally in Cranston, RI. They supply hotels, restaurants, schools, institutions and redistributors throughout New England with high quality produce...

Friday, January 25, 2013

Charles E. Millard Inc., is a general contracting group known for its quality craftmanship, operating throughout Rhode Island and southern Massachusetts since 1977. Not only do they build private spaces and public places, they also...

Tuesday, September 11, 2012

Many more people are living alone in RI, and not necessarily because they have no other option. For many, it can be a lifestyle choice – a chance to have guaranteed space at the end of each busy day where catering to other...

Friday, August 31, 2012

Fire in a business premise can be absolutely disastrous, and one of the contributing factors to the level of loss you may experience can be lack of training to deal with the crisis. As a consequence, you may suffer a far greater loss,...

Monday, August 13, 2012

When a major storm impacts your area and you are dealing with extensive damage, there are some things you need to consider when you’re making a claim on your home insurance. It will, no doubt, be an incredibly stressful...

Tuesday, July 31, 2012

Did you write a business plan when you set up your Rhode Island business? While most large ventures are underpinned by a structured plan, the reality is that many small businesses often develop and grow without that structure. However,...

Thursday, July 26, 2012

One of the trickiest areas of home insurance for many people to navigate can be the liability component. These days, it seems as if everyone is suing someone else – if something happens to someone, the first thing they do is look...

Tuesday, July 17, 2012

Have you spent time doing background research into business insurance in Rhode Island prior to launching your new business? Do you know what you need in terms of the basics, and possible options to provide you with extra, specialized...

Monday, July 9, 2012

People often put off necessary renovations for a very good reason. During a renovation there can be a bucket full of issues you may have to face that can impact on every aspect of your daily lives; everything from the basic disruption...

Thursday, July 5, 2012

When you own a business in Rhode Island, you need to have an appropriate mixture of the best business insurance in Rhode Island you can afford. That goes without saying. However, that’s not where your risk management should end....

Tuesday, July 3, 2012

Have you reviewed your home insurance in RI recently? Chances are, the policy has been sitting tucked away safely for some time while you’ve been busy getting on with things, and itmight be well overdue for a review. There are a...

Wednesday, June 13, 2012

When you start a business, the options for business insurance in Rhode Island could look complex and overwhelming. However, with some guidance, you should be able to make your way through the complexities and get your insurance sorted...

Tuesday, June 12, 2012

When you plan a vacation, your primary focus is probably on where you’re going, what you need to pack, and what you’re going to do once you have a chance to get away from your regular responsibilities. However, there is one...

Thursday, June 7, 2012

When you upgrade your equipment, one of the first things you should do is contact your business insurance in Rhode Island agent. The investment you make to keep up to date with the latest machinery and operating systems needs to be...

Tuesday, May 29, 2012

Are you a movie fan? Do you hate trying to listen to a movie through other people’s chatter and the noise they make with their popcorn and candy bags? The solution might be to look at the range of options now available for home...

Wednesday, May 23, 2012

Once you have your basic business insurance in Rhode Island worked out, you might need to consider taking out extra coverage for financial protection for risks that are specific to your business. Different businesses can be exposed to...

Tuesday, May 15, 2012

Keen cyclists know there is plenty of joy to be discovered by getting on a bike and hitting the road. Whether you ride just occasionally or are a seasoned two-wheel convert, it’s probably worth knowing how your bicycle might be...

Friday, May 11, 2012

Many business owners are unaware of how their location influences the rates they pay for business insurance. When incidents involving theft and vandalism occur in higher than average numbers, quite naturally you could expect to find...

Monday, April 30, 2012

When it comes to designing and redecorating our homes, many of us might not give a lot of thought to the roof. Yet roofing may play a vital role in protecting your home. While the right home insurance in RI may assist you financially...

Tuesday, April 24, 2012

Lighting has the potential to set the perfect mood, and help transform your home into a beautiful haven. Whether you’re partial to down lights, chandeliers, contemporary fittings or retro floor lamps, lighting is much more than a...

Thursday, April 19, 2012

As we head towards the delights of summer, some small operators may be gearing up for big business. Perhaps you run a holiday inn that flourishes during the warmer months? On the other hand it could be an ice-cream parlor that has...

Tuesday, April 10, 2012

People have become much more energy aware in recent years, and there’s a growing interest in green energy and practices. Whether you are renovating, building, or you have an established home, there are some steps you might take...

Tuesday, April 3, 2012

Just as small businesses tend to grow in size over the years, so too many sole-traders find the range of services they initially offered may expand or even transform to some degree. Should you make any alterations to your business in...

Wednesday, March 28, 2012

While renovation has become immensely popular among homeowners, even those that eschew the saws and sanding machines might make regular changes to the home. Every time you fix a roof, purchase new furniture or install a fire...

Tuesday, March 20, 2012

Most people eschew thinking about disaster scenarios, with good reason. Yet when it comes to home insurance, RI residents are wise if they think outside the square. Essentially insurance may provide assistance were you ever to be...

Friday, March 16, 2012

Whatever business you’re in, there’s a good chance that you will have access to addresses, contact details, account information or other personal data from clients. It’s very important to remember that as a business...

Tuesday, March 6, 2012

While most people know that home insurance in RI may assist financially with the costs associated with damaged or destroyed homes and possessions, you may not realize that most home policies also include a provision for the expenses...

Friday, March 2, 2012

Home roofs usually tend to last quite a number of years. However there’s likely to be at least once or twice in the life of every home, when the roof will need to be replaced. While you may not have considered the impact of a new...

Tuesday, February 21, 2012

Every business owner knows that it’s imperative to maintain good customer relations. Employee/staff relations may be just as important. A good rapport and relationship with staff is not only essential in ensuring employees are...

Thursday, February 16, 2012

Do you have auto insurance in Rhode Island? Residents who don’t will wish they did if they happen to find themselves in a car wreck uninsured. Car accidents can be very draining, financially, emotionally, and physically. You can...

Thursday, February 9, 2012

When considering the purchase of homeowners insurance in Rhode Island residents should consider it a blessing rather than an expense. With the right policy, you can get aid in repairing or rebuilding after a disaster. As the 2012...

Thursday, February 2, 2012

Winter can cause a lot of problems to a house, forcing residents to seek aid from their homeowners insurance in Rhode Island. RI may be the smallest state in the United States, but it still boasts pretty powerful winters. One issue for...

Wednesday, January 25, 2012

When it comes to automotive commercial insurance, Massachusetts business owners may be unsure if this type of coverage is really a necessity. For many people, it should be considered a vital part of protecting their business from...

Wednesday, January 18, 2012

Most experienced drivers understand that the fewer accidents you have, the less you are likely to pay for auto insurance in Rhode Island. Rhode Island drivers, despite this, continually risk their money and their lives by texting while...

Wednesday, January 11, 2012

Rhode Island, the smallest state in the United States, often also carries the title of the state with the worst winters. Each year Father Frost brings ice storms and blizzards to the houses within the limits of the Ocean State....

Wednesday, January 4, 2012

Downtown Bristol! Having enough coverage is an important component to factor in when shopping for homeowners insurance in Rhode Island. Residents may not have to worry as much as Floridians or Californians in the natural disaster...

Wednesday, December 28, 2011

Harsh winters in north-eastern states bring damage to homes year after year. From hail to blustery winds, the dangers are numerous and reoccur every time winter rolls around. Out-of-pocket costs to replace broken windows, shingles, and...

Tuesday, December 20, 2011

Everything breaks down eventually but many business owners may not know that equipment failure coverage may be able to be included in their commercial insurance in Massachusetts. Enterprises that rely on expensive or specialized...

Monday, December 12, 2011

Rhode Island is one of the most northern states on the east coast. Thanks to its position, the state’s winters often consist of temperatures well below freezing. Along with keeping up-to-date with their auto insurance in Rhode...

Tuesday, December 6, 2011

Opening your own business can be quite time consuming. Between setting up a new office, hiring employees, and obtaining the necessities like commercial insurance, Massachusetts business owners can quickly lose grasp on what is...

Thursday, December 1, 2011

While theft protection is typically included in homeowners insurance in Rhode Island, residents who have been the victims of a home invasion may suffer from more than financial burdens. Their comfort and peace of mind can be shattered...

Wednesday, November 23, 2011

Many people are interested in starting their own home business. With increased flexibility and no office drama, it is easy to see why. Before quitting their current jobs or applying for commercial insurance in Massachusetts, residents...

Thursday, November 17, 2011

When you purchase Homeowner insurance in RI or Business Insurance in RI those purchases are made to protect YOU from a potential loss. When we purchase Life Insurance, we are not taking care of ourselves, instead we trying to protect...

Wednesday, November 16, 2011

Every year when it comes time to renew their auto insurance in Rhode Island, residents get anxious. Depending on their driving record from the previous year or claims made, some individuals may see an increase in their premiums. Saving...

Tuesday, November 8, 2011

When buying homeowners insurance in Rhode Island, residents often forget to check the fine details on what exactly is covered by their policies. While most home insurance covers theft, fire, and storms, many fail to protect against...

Thursday, November 3, 2011

Halloween Snowstorm 2011 The recent severe storms in Massachusetts have left many businesses devastated. Depending on the coverage included in their policy, some businesses should be able to claim many of the costs of repair on their...

Friday, October 28, 2011

Both your Homeowners Insurance in Rhode Island and your Business Insurance in Rhode Island can be affected by accidents that surround the Halloween season. To help you protect yourself against some SCARY Halloween risks and still have...

Wednesday, October 26, 2011

Spend a lot of time driving on the Mount Hope Bridge? Accidents happen here, too! How do insurance companies determine the value of your claim when your car is in an accident? There are several factors involved in determining the value...

Sunday, August 14, 2011

Did you know that nearly all your financial services including your RI Home and Auto Insurance may be affected by your FICO Score? By now most people are familiar with the term FICO Score. This is essentially a number between 300 and...

Friday, August 12, 2011

Hurricane season runs from June to September and though things have been relatively quiet so far this year. Late summer is often a time when the worst storms hit. Hurricane Charley (2004) and Hurricane Katrina (2005) both hit the US in...

Tuesday, June 7, 2011

Congratulations! You’ve finally made it! Along with the diploma come great opportunities as well as new responsibilities. Does your future include a new car, apartment, or even a new home? Perhaps you will be getting married soon...

Monday, April 25, 2011

Motorcycle Insurance…What did you Miss!!! All you “easy riders” know you are required to purchase motorcycle insurance in Rhode Island. The state only requires that you buy liability coverage at minimum state limits....