Announcements

Massachusetts Auto Insurance and Uber Insurance

Posted on Tue, Jul 17, 2018

It seems more and more Massachusetts drivers are taking up working for TNC companies such as Uber and Lyft.  Many ask the following question:  Does my Massachusetts Car insurance cover me while I drive for Uber or Lyft?  

Does my car insurance cover me while I drive for Uber?

The quick answer is "Not always".  A Massachusetts Auto Insurance policy is a Personal policy.  It is not intended to support activities for public or livery conveyance.  The TNC company will tell you that they offer insurance to it's drivers, however, there are gaps between your Massachusetts car insurance policy and the TNC company insurance policy where you will not be protected against losses.   The largest area of concern is that time when you have your App turned on, but you have not yet picked up a passenger.  

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Tags: Massachusetts car insurance

Dr Gene DiStasio Scholarship 2018 Awarded

Posted on Tue, Jul 10, 2018

Local Winthrop student receives Dr. Gene DiStasio Scholarship sponsored by Elliot Whittier Insurance

Stephen Tracy, Winthrop High School Class of 2018, is this year's recipient of the Dr. Gene DiStasio Scholarship which is sponsored by Elliot Whittier Insurance.

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Elliot Whittier Insurance Pleased to Support CASA

Posted on Tue, Jun 26, 2018

CASA (Community Action for Safe Alternatives) is a dynamic 501C(3) non-profit coalition serving “at-risk” youth that live in Winthrop, MA as well as their friends and families.

CASA's Mission Statement is as follows: 

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Businesses Address Cyber Breach with Massachusetts Cyber Liability Insurance

Posted on Tue, Jun 26, 2018


Massachusetts business owners reading the article by the Boston Globe will learn that 1 in 3 companies now have insurance coverage in place that will help protect against loss or theft of sensitive customer information. 

Published reports by CNN Money and others also indicate that an HVAC company much smaller than Target may be at the root of the Target breach.   If your company suffered this type of loss, would you lose reputation?  Would customers leave?  Check out this infographic, from State Auto Insurance,  that can help you decide if your business may be at risk.

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Tips for Homeowners - How to Keep your Home Safe When Away on Vacation

Posted on Wed, Jun 20, 2018

As summer arrives, millions of Americans will be planning on taking a summer vacation.  As a homeowner, you are smart to ask yourself this question:  What are the best ways to keep my home safe when away on vacation?

When you are out of town, you will want to take certain steps to protect your home and your belongings from burglars, since they may tend to target empty homes.   According to Trusted Choice® and The Press Democrat, burglars targeted homes in a certain county "simply because there was an abundance of vacant homes" and that homes were "ransacked for valuables such as expensive electronics televisions, and jewelry."  With that thought in mind here are some easy tips that may help bring you some peace of mind while you are away.

Place your Mail and other Deliveries On Hold

Few things scream "There is no one home" more than an overflowing mailbox, packages on the front steps, or newspapers in the driveway.   Temporarily cease all deliveries or ask neighbors to collect them daily for you.  In addition, many identity thefts start off by stealing financial documents from the mail.  

Don't Announce that you will be Away

Although it may be tempting to post on social media your plans or photos, you should think twice about doing so.  While you probably do not have to worry about your friends and family, you don't know if any of their contacts may have criminal intent.   Remind your children to refrain as well.  You can consider posting as usual when you return.  

Consider an Alarm System 

A home security system is probably the best way to protect your home while you are away.  There are a number of types of systems on the market, including ones that you can monitor and activate or deactivate from a smart device.  In addition, you can often get a discount on your  home insurance when you have certain kinds of alarm systems.  If you already have an alarm system - consider calling the company to let them know you are away.

Make your Home Look Lived in While You are Away

If your home looks lived in, it may be less likely to be the target of a burglar. 

  • Use a timer for the lights or the TV so that they turn on and off during the day
  • Keep outdoor services such as lawn maintenance and sprinklers running
  • Have a neighbor come by to check on your home, water plants, etc.  The presence of activity can be a deterrent to a criminal.  

Some additional security steps

  • Make sure that all windows and doors are locked
  • Lock your garage door manually
  • Move expensive jewelry and other valuables out of site.  A home safe or bank safety deposit box may be best for valuables.  

Speaking of home safety, if you have any questions on home insurance, please feel free to contact us below 24/7.

Check my Home Insurance Policy

 

With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance has been awarded The Five Star Award of Distinction from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice® agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier online at www.ElliotWhittier.com, email info@elliotwhittier.com, or call 800-696-3947

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Tags: home insurance

What Condo Associations Need to Know about Airbnb & other Short Term Rentals

Posted on Wed, Jun 13, 2018

The idea of using Airbnb, home-sharing, or short term renting of one's condo or single family home has become popular recently.  Just how good of an idea is this for the Condo Owner?

 

Websites such as Airbnb.com, HomeAway.com and others connect the home or condo owner with travelers looking for alternatives to hotel stays.  The idea of staying in a comfortable home as opposed to a hotel room may be alluring for the traveler.  This can be true especially in areas near beaches or in a major city like Boston.  Hotel stays can be extremely expensive, causing a demand for these options.    For the condo owner, the notion of being able to pocket some income on the side may be tempting. 

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Tags: Master condo insurance, Apartment building insurance, condo unit owner

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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