Business owners have a lot of expenses on their plate. When it comes to monitoring your
payroll, did you know that your insurance company may be able to help? At your
end of the year audit, you may find that you had too much or not enough on our
payroll. While this can sometimes mean getting some money back, it can also
mean more expenses at the end of the year for you as a business owner. We
represent companies that can help monitor your payroll throughout the year to avoid extra stress (and potentially money out of your pocket) at the end of the year audit.
Your insurance company may be able to help you match your workers’ compensation payments to your cash flow, making your life that much easier! This cash flow-friendly system can avoid surprises at the end of the year audit with little or no down payment. A more streamlined, easy way to manage your workers’ compensation may be possible for you. Every Commercial Lines Insurance policy is different and discounts and features may vary based on your carrier, but it’s always a good idea to ask your agent!
Contact your insurance agent to see if your company offers this feature.-->
Most of us look at snow and the cold as something we would like to escape. Hey, it’s a right we have as New Englanders to complain about our weather right? There are some people out there who look forward to snow and may be a little disappointed by the lack of flurry in this winter’s forecast. Among those people are those that love to snowmobile. Skiers have it easy, they can take off to a local mountain that has snow all the time and enjoy their winter sport, but that’s not true for snowmobilers. Instead of taking a winter trip to warm weather to escape, why not take a trip to one of these top snowmobile trip locations in the United States.
- West Yellowstone, Montana
- Stanley, Idaho
- Eagle River, Wisconsin
- Jackson Hole, Wyoming
- Newberry, Michigan
- Northern Maine
- Petersville, Alaska
- Mammoth Lakes, California
- Seeley Lake, Montana
- Grand Lake, Colorado
Before you take off to one of these locations, make sure you have the Massachusetts Snowmobile Insurance coverage you need. Some of the coverages you may want to talk to your agent about are bodily injury liability, property damage liability, and collision and comprehensive coverage. Ask our agents about roadside assistance as well!-->
Are you having a Superbowl Party Sunday? If you aren’t a 49ers or Ravens fan you may not be as excited about watching the Superbowl, but there’s still fun to be had. If you’re anything like me, one of your favorite parts about watching football is the food. Why not use it as occasion to get together and enjoy some food (and drinks) with your friends, even if your team didn’t make the cut. Besides, there’s still sure to be some commercials to get you laughing and if anyone can bring a fun halftime show performance it’s Beyonce!
Now that I have convinced you it’s a good idea to have your friends come over to watch the game, I’ll also help you out with some party tips. First, as your insurance agency, I should remind you that if your guests will be drinking, make sure they aren’t driving! Did you know that if they leave your house drunk and get in an accident you can be liable? Make sure you have enough liability coverage on your New Jersey Home Insurance policy. Concerned about your liability coverage on your home and auto insurance not being enough? Call our agents and ask about a New Jersey Umbrella Insurance policy. You won’t believe how affordable extra liability coverage is!
Once you have the coverage you need for your Superbowl Bash, here are some must-haves for your party:
- Great, football-loving friends make the party that much more fun. Even if your team isn’t in the big game, this can really up the excitement.
- Great, easy to eat food is also a must. Make sure everything you prepare can be eaten quickly for those in between moments in the game. A couple of healthy dishes are great for some options, but remember the must-haves like classic dips and wings!
- Make sure you have plenty of seats. Last weekend, my family brought an extra couch into our living room just so everyone would have a comfortable spot. The living room didn’t look its best, but everyone was happy!
- A great TV goes without say, right? A pretty large, HD TV is a must for you and your guests to enjoy all the Superbowl game will have to offer. Just a heads up, surround sound doesn’t hurt.
We all love our homes. When you think about it, the saying really is true: home is where the heart is. We put a lot of time and effort (sometimes more than we’d like) into maintaining and improving our homes. Knowing how much of a hassle moving can be and the prices of homes these days, when people need more space they frequently add on to their current homes. Sure there is some hassle that comes with remodeling or adding on to your home, but if you get to stay in the home you love and get more space… why not? If you are thinking about adding on to your home or have already started to, remember to
talk to your insurance agent!
We hate to add on to the list of things you already have to do. We know you have to hire a contractor, design your new space and get all the permits you’ll need, but it’s important to make sure your new space will be insured under your MA homeowner’s insurance policy. Depending on what the new space in your home will include or how large it is, you may find yourself under insured and trust us, you don’t want that! When adding to the structure your home, it is best to add coverage on your home insurance policy as well. Call your agent and make sure they are up to date on the new addition. This way they can ask any questions they need to know about the space and make sure the new area in your home is properly covered under your Massachusetts Home Insurance Policy.-->
If you’re a small business owner, chances are you either have a Facebook business page or you’re being told you should have one. It’s a great place to start your social media, offering you one of the largest audiences out of all the venues and some great options for engaging with potential clients. If you are looking into starting a Facebook page for your business and don’t know where to start this Facebook
Page Check List may be helpful. This Check List from Hubspot can help you make sure you get all of the important details covered, but it’s probably best to start with the basics at top. If you already have a Facebook page for your small business, there’s no better time than the present to review this check list and see how your page measures up!
- Is your URL the first thing listed in your “About” section?
- Are you providing links to your social media channels in your “About” section?
- Is your cover photo well designed and meet Facebook Guidelines?
- Does your cover photo have a description with info, links and maybe even a call to action?
- Does your profile photo clearly reflect your brand?
- Are your three most important apps featured on your Timeline? Does it include a call to action?
- Is your “Talking About This” number at least 2%?
- Are you offering content on your page your fans can’t get anywhere else?
- Does your page identify with your users and fans?
- Are you engaging with your fans, liking their comments and commenting back?
- Are you taking advantage of opportunities your industry presents through content-sharing strategy?
- Ask the following questions:
What type of content am I sharing?
Am I sharing relevant, valuable info?
Does my content speak directly to my audience?
Am I using photos and videos with each status?
Where does your Facebook page rank on the check list? Give us feedback on some things that aren’t included you have found important. While we’re on the subject, why not like our Facebook page found here as well?
It’s time to bundle up! While we do suggest that you load up on the layers and take out your heaviest coat, we’re talking about bundling your insurance. We are always looking for ways to save money, especially when it comes to our insurance and bundling up is the perfect way to do it. Talk to your agent today and start to Combine & Save your policies. By having the same insurance carrier for your home insurance, auto insurance, life insurance, etc. you can save yourself time and money.
Bundling your home & auto insurance is just one way to save! Don’t own a home? You may be able to save by bundling your renters and auto insurance policy or even your motorcycle insurance. You never know what you can
combine to save, until you ask your agent. Our agents can help answer your questions about bundling and while they’re at it they can review your policy to see what other discounts are available to you. When it comes to insurance, it’s important to have enough coverage. Bundling your policies is a great way to save money while keeping or even increasing the amount of coverage you have. What could be better than that?
I think it’s safe to say winter has arrived and it is now coming in full force. Anyone else make the trek out to their driveway this morning to start their car? Aside from blasting the heat so that we don’t get frostbite on the way to work, there are some other things you should do for your car in the winter. The same way many of us get sick or worn out with the chilly temperatures of the winter, it can also take a toll on your car. There are certain things you should keep in your car to be prepared and other things you should treat your car to in preparation of what it may encounter in the winter.
Here are some ways to winterize your car:
- Keep an emergency kit in your car with things like some extra engine oil, washer fluid, and coolant. It’s also a good idea to have a flashlight and some flares.
- Make sure your 4-Wheel drive works. It’s great to have 4-wheel drive, but it’s better if it’s working
- Check your car’s belts and hoses. Cold temperatures can weaken your belts and hoses so even if it isn’t time for a tune-up it might be a good idea to have a mechanic look under your hood this
- Replace windshield wipers and wiper fluid. Would anything be worse than driving, a storm starts and then you realize your wipers don’t work?
- Double check your defrosting and heating units.
- Keep your fuel tank full. The damage you inflict on your car on a near-empty tank in the winter is even worse than other times of the year. The cost of repairs for the damage also isn’t cheap!
- Have the right amount of antifreeze.
- Check the oil and oil viscosity.
- Check your battery.
- Check the tire pressure and consider snow tires. Your tires undergo a lot of wear and tear and if too worn out could put you in a bad place with the snow and ice on the roads.
Follow these tips for winterizing and you should be in pretty good shape on the road. Unfortunately, you can never predict the elements, especially in New England. This is why it’s important; no matter how prepared you are for winter, to have great New Jersey Auto Insurance. Anyone who drives will tell you that you cannot control the way others drive on the road in the winter. You also cannot control the weather that occurs, whether it is snow, ice, and even black ice. The best thing you can do is to make sure you have the coverage you need with your New Jersey car insurance policy. Call your agent today and find out about your coverage this winter!