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, email, 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, 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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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: commercial property, property managers, Master condo insurance, Apartment building insurance, commercial insurance, Massachusetts 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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