Living along the coast means beautiful views of the ocean and the wonderful smell of salt in the air. However, the closer you live to the water, the higher your risk of flooding becomes. In the wake of recent natural disasters like Hurricanes Harvey, Irma, Jose and Maria, HIG wants homeowners to understand the importance of having flood insurance in Massachusetts and Rhode Island, especially considering that 80% of homeowners affected by Hurricane Harvey, unfortunately, did not have flood insurance. We sat down with insurance agent and HIG partner, Paul Burke, to answer homeowners’ most common questions about flood insurance.
As a small business owner and employer, you have a responsibility to your employees to ensure their health and safety in the workplace. Whether your employment involves operating heavy machinery or typing away at a computer all day, there are always risks. Here at HIG, we want to protect your business and it’s employees, which is why we’re offering tips to maintain a safe and healthy work environment.
When the sun is in the sky and the weather is heating up in Fall River and the South Coast, most people think of fun days at the beach splashing in the water or relaxing with a good book. While summer generally is a time for fun and relaxation, rising temperatures can also be dangerous if you don’t take the proper precautions. Kids and pets are among the most vulnerable during these summer months, so HIG wants to remind you to follow these summer heat safety tips that will keep your family safe. Kids Summer Heat Safety Children’s body temperatures
Now that the weather is finally warming up, there’s no denying that the South Coast of Massachusetts and Rhode Island is a great place to live — especially when you consider the beautiful beaches and scenery, fresh seafood, and sense of community found along the coast. Coastal homeowners also enjoy a boost as their home values increase, with many waterfront homes doubling in value over the last 20 years, according to a recent Zillow study. As home values increase, however, so do the costs of insuring these beautiful properties. Luckily, your HIG insurance agent is here to help. While we can’t
Here at HIG, we’ve been helping local businesses in Fall River, Somerset, and along the South Coast of Massachusetts and Rhode Island with their business insurance needs for more than 100 years. Over the course of that time, we’ve seen how the business world has changed, and have worked to make sure our insurance offerings evolve with it. We sat down with HIG partner Chris Hadley to go over some of the biggest risks and questions that business owners today have. Read along to learn more about what your business needs to be fully protected. Q. What are some business
You’ve probably seen it in the news, but car insurance rates are on the rise, with all signs pointing to technology as the main culprit. In today’s highly connected world, cars are becoming more advanced with new safety features and technology. While these changes were intended to make cars safer, they also make it more expensive to repair a car when it is involved in an accident. Hence, the increase in car insurance rates in Massachusetts, even for drivers who have not been involved in a recent crash. Here at HIG, we are breaking down why car insurance rates are
All it takes is four seconds to change the radio station, sip your coffee, check your makeup in the rearview mirror, read a text — or get into an accident. Did you know that taking your eyes off the road for four seconds while going 55 mph is the equivalent of driving the length of a football field blindfolded? Hard to believe, we know, but what’s even more unsettling is the number of people who drive like this everyday. According to the U.S. Department of Transportation, there are 660,000 distracted drivers on the road at any given time, which many experts
From portable heaters to fireplaces and wood stove safety, there are a lot of things to be aware of during a New England winter. But one of the biggest winter dangers is invisible to the naked eye: carbon monoxide poisoning. According to the CDC, more than 20,000 individuals visit the emergency room for carbon monoxide poisoning every year and over 4,000 are hospitalized. The dangers are real, just like in this tragic case in Acushnet. So what can you do to prevent this silent killer from harming your family? Read on for some common sources of carbon monoxide poisoning along
Can you believe that it’s already 2017? We know you’re probably worried about your New Year’s Resolutions like being healthier or spending more time with family, but at HIG we think the New Year is also a good time to think about your car insurance. For many people, the first of the year is the time to renew your car insurance policy. If this is the case for you, make a goal to be more proactive about your insurance this year. Follow our helpful tips to make sure you have the coverage you need to stay safe on the road
Imagine this: a tree is knocked over during a winter storm and falls onto a set of power lines in front of your business. This incident sparks a fire that damages your building, along with your two commercial vehicles parked out front. You’re forced to close for a few months in order to rebuild your office. Could your business survive without the income? Well, here’s why you need business income insurance. For a lot of businesses, this exact scenario can be make or break. If your business suffers a major claim and is unable to generate revenue, what would you