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.
Auto Insurance Premiums Increasing
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...Read More
Beacon Mutual offering 7% dividend
Our Rhode Island Workers Compensation carrier, Beacon Mutual, announced the distribution of an average seven percent dividend to be distributed starting March 16th, 2023. The dividend will be a one-time payment to all eligible...Read More
OUR 2023 TRUSTED CHOICE AD IS HERE!
Beacon Mutual Offering 5% Dividend to Qualifying Customers
Pat Malafronte - Face of John Andrade Insurance
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....Read More
Beacon Mutual Offering Dividend to Qualifying Customers
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...Read More
Why do business with our agency?
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...Read More
Free Summer Party in Dartmouth on Sunday, August 4th
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...Read More
OUR 2019 TRUSTED CHOICE AD IS HERE!
John_Andrade_2019 from JH Communications on Vimeo.Read More
Plymouth Rock introduces Road Rewards for Safe Driving Customers!
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...Read More
Insuring your Jewelry!
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...Read More
Tenant's Insurance - What you need to know
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...Read More
AAA Rhode Island Auto Insurance with Mapfre
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...Read More
Tips on Safe Driving in Snow and Ice
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...Read More
5th Annual Victoria Sousa 5K
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...Read More
September is Life Insurance Awareness Month
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...Read More
Mary Ellis re: Tami Reis and Michael Cirillo
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...Read More
Swimming Pool Safety
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...Read More
RI DMV Eliminates SR-22 Requirement!
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...Read More
Best RI Beaches to Visit this Summer
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...Read More
Here is our newest Trusted Choice Ad!
Distracted Driving Comes in Many Forms
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...Read More
Tax Day 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...Read More
Business Resource Center for USLI Policyholders
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...Read More
Beware of Phishing!
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...Read More
Tips for Super Bowl Party Hosts!
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...Read More
Service Line Coverage added for Andover & UPC
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...Read More
January is Teen Driver Awareness Month
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...Read More
Our 2018 Trusted Choice Ad is Here!
Texting and Driving during Holidays
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...Read More
Winter Driving Tips
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...Read More
Bristol’s Grand Illumination this Saturday Evening
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...Read More
Thanksgiving Holiday Tips
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...Read More
Solar Panels at John Andrade Insurance
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...Read More
Safeco offers Pet Insurance
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....Read More
Victoria Sousa Foundation 5K Run/Walk
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...Read More
Equifax Data Breach
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...Read More
September is Life Insurance Awareness Month
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...Read More
Tenant Discrimination Liability Insurance
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...Read More
Hurricanes & Flood Insurance
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...Read More
Tips for Incoming College Students
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...Read More
Rhode Island Hurricane Information
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...Read More
The Importance of an Independent Agent
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...Read More
Trusted Choice in Consumer Reports
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...Read More
Importance of protecting your home while on vacation
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...Read More
Summer Home Maintenance Tips
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...Read More
Billy Andrade on the Golf Channel
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...Read More
4th of July festivities coming up soon!
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...Read More
CVS Health Charity Classic this Weekend!
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...Read More
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...Read More
Here is our newest Trusted Choice Ad!
Plymouth Rock now adds coverage for Uber and Lyft drivers
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...Read More
Tips for Homeowners Hiring a Contractor!
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...Read More
May is Motorcycle Safety Month!
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...Read More
Hiring Subcontractors? Protect Yourself!
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...Read More
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...Read More
Paying off your Mortgage!
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...Read More
Fight for your Flight Rights
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...Read More
Dog Bites & Homeowners Insurance
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...Read More
Tax Season and Identity Theft
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...Read More
Classic Car Insurance
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...Read More
Look What’s Happening in Warren, RI: AVTECH Software, Inc.
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...Read More
Flood Insurance: Explained
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...Read More
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...Read More
Spring Cleaning: Home Inventory
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...Read More
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...Read More
Winter Driving Tips
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...Read More
February is Life Insurance Month!
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...Read More
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...Read More
Today is National Junk Food Day!
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?...Read More
Bristol, RI Hurricane Disaster Information
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...Read More
Beware! Yet another phone scam targets Bristol RI residents.
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...Read More
It’s all about the Education!
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....Read More
Workers Compensation Facts for Planning and Budgeting in RI and MA
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...Read More
The John Andrade Agency Leprechauns.
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!Read More
Damn those Ice Dams!
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...Read More
How to Delay Windows 10 Automatic Updates
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...Read More
How to be Happier Everyday!
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...Read More
Help Front Line Ministry for Freedom care for our Service Men & Women
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...Read More
Laptops on Beds a Fire Safety Concern
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...Read More
In RI and MA, Scam Artists are up to NEW Tricks!
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...Read More
MiddleOak is becoming MAPFRE Insurance.
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...Read More
NEW Auto Insurance Compliance Regulations at the Rhode Island DMV!!!
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...Read More
A Gift of Life Insurance for Valentine’s Day
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...Read More
Protecting your Privacy on your Internet Connected Devices
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...Read More
8 Tips for Holiday Driving
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...Read More
Our first $250 Gas Card Referral Winner is…..
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...Read More
Contract Bonds ~ They are easier to obtain than you think!
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...Read More
Coping with Flood Insurance Costs
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...Read More
The Life and Home you save will be your Own!
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...Read More
Protect your Home from Natural Disasters
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...Read More
Final Expense Insurance
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...Read More
Flood Reform Act of 2012
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...Read More
On a New Course
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...Read More
Steady Mind. Strong Body. Inspired Life.
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...Read More
2013 Hurricane Season
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...Read More
Our newest Trusted Choice Ad is Here!
May 7th is Teacher Appreciation Day
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....Read More
Where in BRISTOL is Alayne White Spa moving too?
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...Read More
Local Business – BG Landscaping
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...Read More
Local Business – Gray Matter Marketing
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...Read More
Casey’s Chimney & Wood Stove Service
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....Read More
Endurance Nation – Triathlon Coaching
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...Read More
How to Better Prepare for the Storm
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...Read More
Learn More About Local Business – A.T. Siravo & Co.
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...Read More
Learn More About Local Business – Charles E. Millard Inc.
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...Read More
Bump up your home security when you live alone – and reap potential insurance benefits
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...Read More
Are all your employees trained in fire safety?
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,...Read More
Home insurance and dealing with major storm damage in RI
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...Read More
Write a business plan – even if your business is already trading
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,...Read More
How securely is your Rhode Island home fenced?
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...Read More
Setting up business insurance in Rhode Island for a new venture
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...Read More
Update your insurance after home renovations
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...Read More
Do you have a disaster plan for your business?
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....Read More
Reviewing Home Insurance in RI is Good Practice
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...Read More
Getting it Right with Business Insurance in Rhode Island
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...Read More
Vacation Security with Home Insurance in RI
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...Read More
Upgrading Your Equipment and Business Insurance in Rhode Island
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...Read More
Home Insurance in RI for Valuable Property
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...Read More
Adding Extra Coverage to your Business Insurance in Rhode Island
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...Read More
Home Insurance in RI for Cyclists
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...Read More
How Does Your Location Affect Your MA Business Insurance Quotes?
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...Read More
Home Insurance in RI and Your Roof
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...Read More
Home Insurance in RI and Home Lighting
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...Read More
Summer Loving with MA Business Insurance
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...Read More
Home Insurance in RI Tips for Energy Efficient Homes
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...Read More
MA Business Insurance for a Changing Business Terrain
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...Read More
Home Insurance in RI: Why it’s Wise to Review
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...Read More
Home Insurance in RI: When You Need to Rebuild
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...Read More
MA Business Insurance and Privacy
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...Read More
Home Insurance RI and Living Expenses In Case of a Disaster
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...Read More
Replacing Your Roof? Remember Your Home Insurance in RI!
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...Read More
MA business insurance and effective employment practices
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...Read More
Filing a Claim with Auto Insurance in Rhode Island After a Collision
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...Read More
Flood Protection with Homeowners Insurance in Rhode Island?
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...Read More
Winter Weather and Homeowners Insurance in Rhode Island
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...Read More
Why You Should Purchase Vehicle Coverage with Your Commercial Insurance in Massachusetts
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...Read More
Is Texting While You Drive Dangerous? Yes!
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...Read More
How to Clean Out Your Gutters and Avoid Claims with Homeowners Insurance in Rhode Island
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....Read More
Why Homeowners Insurance in Rhode Island is a Must for Any Resident
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...Read More
Protecting Your Investment: Homeowner’s Insurance in Rhode Island
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...Read More
Equipment Breakdown and Commercial Insurance in Massachusetts!
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...Read More
Do Not Let the Winter Ruin Your Vehicle’s Battery and Add to Your Premiums for Car Insurance
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...Read More
How to Balance Family and Work
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...Read More
Protecting Your Family with an Alarm System and Homeowners Insurance in Rhode Island
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...Read More
Commercial Insurance in Massachusetts and Ideas for Home Businesses
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...Read More
Life Insurance, It’s not about YOU.
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...Read More
Do the Winters Increase Your Costs for Auto Insurance in Rhode Island?
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...Read More
Does Your Homeowners Insurance in Rhode Island Protect You Against Flooding?
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...Read More
With Commercial Insurance, Massachusetts Small Business Owners Can Receive Coverage from the Next Bi
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...Read More
These Halloween Safety Tips can protect you and your Homeowners Insurance in Rhode Island from some
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...Read More
With Auto Insurance, Rhode Island Motorists Can Get the Best Coverage!
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...Read More
How your FICO Score can help you save money on Rhode Island Insurance
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...Read More
Hurricane Deductibles; Are you confused?
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...Read More
The Graduate’s Guide to Insurance
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...Read More
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....Read More