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Category Archive for ‘Commercial Lines’

Cyber Security Tips for Your Medical or Health Care Practice

When it comes to medical and health care providers, cyber security is not something to be ignored. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) requires personally identifiable information (PII) and other data to be kept both private and secure. Therefore, HIPAA cyber security compliance requirements must be met in order to protect confidential and private patient records. Here at HIG, our priority is to help health care providers and medical offices understand cyber security risks and how to overcome them.

Six Vital Insurance Coverages That Will Help Protect Your Medical or Health Care Practice

As a medical professional, you no doubt already carry medical malpractice insurance. In most states this insurance is not only essential for physicians and other health care service providers, but also a legal requirement. However, while your malpractice insurance will provide you with coverage for liability arising from disputed services that result in a patient’s injury or death, this is certainly not the only insurance product that you need to protect yourself, your business and your employees. Learn more about the various coverages you may need and how HIG can help you find the best insurance options for medical offices and health care practices.

How to Execute an Effective Risk Management Process in Just Five Basic Steps

Whether you’re a manufacturer of textiles and fabrics, niche high-end products, medical sutures, lighting fixtures, eco-friendly apparel, or any other Massachusetts and Rhode Island domestically-made products, there are always a number of constant, growing, and emerging risks that your company faces, from product quality and contamination issues to breaches of technology.

2018 Insurance Resolutions

Every year when the clock strikes midnight and the new year begins, people vow to make changes. New year’s resolutions range from getting healthy, to spending more time with family, to saving money — all great goals to set! But you might be forgetting to include some other important intentions. Here at HIG, we want to make sure you start off 2018 right by being properly insured, which is why we’re offering a few insurance resolutions to accomplish this year. Review & Adjust Your Policies A lot can happen in a year, making now a great time to review your

Accident Forgiveness in Massachusetts

Do you sometimes wish you had a rewind button? We’ve all had those mornings where we’re rushing to get to work and finishing our breakfast in the car. Sometimes you get there just fine, and sometimes you end up with coffee stains down your shirt. But what if suddenly the worst were to happen — in the flash of a second you’ve gotten into an accident.

Flood Insurance in Massachusetts – A Q&A with Insurance Broker Paul Burke

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.

Tips To Make Your Workplace Safer and Healthier

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.

Business Insurance: Answers To Frequently Asked Questions Many Business Owners Have

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

Here’s Why You Need Business Income Insurance

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

Business Tips – The Four Different Kinds Of Business Liability Insurance You Need To Know About

When it comes to protecting your business, having the right liability insurance can be make or break. Consider this: a customer trips and falls on a set of stairs in your building and breaks their leg — would you be able to cover their medical costs? Or what if you are the victim of a data breach, resulting in the release of all of your clients’ credit card information? Would you have the resources to resolve the problem? In many cases, experience and hard work are not enough to keep a business thriving. If you own a business, here are