by amandatwomey | Dec 31, 2025 | Education
Towing and recovery businesses face unique risks that go far beyond standard auto or general liability insurance. Every call can involve responsibility for customer vehicles — whether they’re being towed, lifted, driven, or stored. Three coverages that often cause...
by amandatwomey | Dec 31, 2025 | Education
Many business owners assume that once a job is finished or a product is sold, their responsibility ends. In reality, liability exposure can continue long after work is completed or a product leaves your hands. Products and Completed Operations coverage is a component...
by amandatwomey | Dec 31, 2025 | Education
If you’ve ever looked at a commercial insurance policy or certificate of insurance, you’ve probably seen limits listed like: $1,000,000 Per Occurrence / $2,000,000 General Aggregate While these numbers appear on almost every commercial general liability policy, many...
by amandatwomey | Dec 31, 2025 | Education
When business owners think about insurance, they often focus on protecting their building, equipment, and liability exposures. What’s frequently missed is what happens after a loss — when the doors are closed, revenue stops, and expenses continue. Business income...
by amandatwomey | Dec 31, 2025 | Education
Many business owners insure their buildings and contents, but overlook one critical risk: the failure of the equipment that keeps operations running. Equipment breakdown coverage (sometimes called boiler and machinery insurance) is designed to help businesses address...
by amandatwomey | Dec 31, 2025 | Education
Many business owners focus on protecting their property, vehicles, and liability exposures — but losses don’t always come from accidents or outside threats. Sometimes, they come from within. Commercial crime coverage is designed to help businesses address certain...
by amandatwomey | Dec 31, 2025 | Education
When a rental property is damaged by a covered loss, repairs can take longer than many landlords expect. During that time, rental income may stop — even though expenses such as mortgages, taxes, and insurance continue. Many landlords are surprised to learn that loss...
by amandatwomey | Dec 31, 2025 | Education
Loss of Use Coverage for Commercial Properties: Understanding Time Limits, Extensions, and Actual Loss Sustained When a commercial property or apartment building is damaged by a covered loss, repairs can take time. During that period, rental income or business income...
by amandatwomey | Dec 30, 2025 | Education
When a rental property is damaged by a covered loss, repairs can take time. During that period, landlords may lose rental income — even though mortgage payments, taxes, and expenses continue. Loss of rental income coverage (sometimes called loss of rent) is designed...
by amandatwomey | Dec 30, 2025 | Education
Electric bikes—commonly called e-bikes—have surged in popularity, especially after the holidays. Many Massachusetts homeowners received an e-bike for Christmas and assume it’s covered under their homeowners insurance or auto insurance. In reality, e-bikes often create...
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