Announcements

Julie Giganti-Passacantilli Receives CISR Designation

Posted on Thu, May 10, 2018

The designation of Certified Insurance Service Representative (CISR) has been conferred upon Julie Giganti-Passacantilli, Personal Lines Customer Service Representative, at Elliot Whittier Insurance Services, LLC.

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Elliot Whittier Insurance Recognized for Its Commitment to Community

Posted on Tue, May 08, 2018

-Agency featured as part of Massachusetts Association of Insurance Agents’ Statewide “The Good You Do” Campaign  

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What is a Non-Admitted Insurance Company?

Posted on Wed, Apr 25, 2018

You may have heard your insurance agent tell you that they need to place your insurance with a non-admitted insurance company. 

Other terms for a non-admitted carrier is a surplus lines or an excess lines insurance carrier.  

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Tags: surplus lines, non-admitted insurance

4 Signs You May Need a Personal Umbrella Policy

Posted on Mon, Apr 09, 2018

Sometimes we get this question:  "Do only wealthy people need an umbrella insurance policy?"  

Simply stated, a personal umbrella policy is probably the best bang for the insurance buck.  Here are 4 signs that you may need one:

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What do Property Managers Need to Know About Commercial Property Insurance in Massachusetts

Posted on Wed, Mar 28, 2018

If you are a Massachusetts Property Manager, you probably have a lot of responsibilities.  You may deal directly with the Board, owners, tenants and prospective tenants, rent collection, maintenance issues, complaints and more.

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Tags: Massachusetts Insurance, commercial property, commercial insurance, Master condo insurance, property managers, Apartment building insurance

Harassment in the Workplace in the Age of #MeToo

Posted on Fri, Mar 16, 2018

Recent high-profile claims of sexual harassment in the worlds of media, politics, business, and entertainment, although shocking, should cause us all to pause and consider workplace behavior and exposure to risk.   Massachusetts Business owners and managers may be asking themselves this question: 

Is my business vulnerable to a sexual harassment claim?    

This is a good question to be asking.  Defense lawyers are predicting a record number of sexual harassment lawsuits will be filed against employers in the coming year as women (and men) have become more emboldened to tell their story.   An employer whose worker was subjected to harassment is at risk of being sued, even if the employer did not know about the incident.

The costs of sexual harassment lawsuits can be staggering.  According to USA Today, some of the biggest awards or settlements have been:   

  • Ani Chopourian vs. Catholic Healthcare West (2012) -  approx. $82M

  • Ashley Alford vs. Aaron's Rents (2011) -  approx. $41M

  • Gretchen Carlson vs. Roger Ailes (2016) - approx. $20M

  • Linda Gilbert vs. Daimler Chrysler (1999) - approx $21M

 

Claims from employees or others related to the workplace are not new and can stem from a number of places, namely perceived or real claims of:

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Is that New Jewelry Covered by Insurance?

Posted on Tue, Jan 30, 2018

The winter holidays are over and Valentines Day is near.  Some may have given or received an expensive gift such as jewelry or a watch.  Many will ask the question:  Is my new jewelry covered on my home insurance in Massachusetts ?

Indeed this is a great question.  If you are the named insured on your home, condo, or renters insurance policy, it is likely that you have limited coverage for items such as jewelry, watches, cameras, and such.  However it is important to know what the limitations are on your policy and these limits will vary from policy to policy and from company to company.  

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Why a Nonprofit Needs Directors & Officers Insurance

Posted on Tue, Dec 12, 2017

If you serve on a Board of Directors in Massachusetts or beyond, or work for a Nonprofit or certain For-Profits,  it is important to understand why theo rganization needs Directors & Officers insurance.  

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Tips to Keep Your Company Holiday Party Safe

Posted on Thu, Nov 16, 2017

Planning your company holiday party?  Do you ask yourself this question:  What could I do to help make sure that my company holiday party is safe for all?

As the holiday season draws near, many businesses like to plan a company holiday party to enjoy time with staff.  Since this kind of party is only once a year, it's easy to overlook safety even though you already incorporate it into the other aspects of your operations.

After you have read tips for business parties, you may also want to come back and check out this article on hosting parties in your home and serving alcohol.

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Protecting Your Massachusetts Business from Scams

Posted on Wed, Nov 08, 2017

Operating in the commercial insurance business in Massachusetts, we do come in contact with various kinds of losses, including ones related to Cyber Crime.  

It happened last year, and it happened again recently.  One of our clients was very close to wiring money to a fraudulent vendor.  Luckily it was caught in time to avoid the loss.  Nevertheless this was a form of Cyber crime aimed at stealing money from the business.

We thought it would be a good time to recycle our blog "Think You are Protected against Scams?"   Please take a moment to check it out and read the tips, and make sure you have discussed Cyber Liability Insurance with your insurance agent.

According to the Massachusetts Consumer Affairs Blog, "Cyber crime can have a significant negative impact on your company if proper precautions are not taken to prevent it"   

It is of extreme importance for companies to educate their staff on cyber security measures and for the business owner to implement policies and procedures at the workplace.  

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Tags: business insurance, Wire transfer scams