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Below are some frequently asked questions, click a question to see the answer! If your question is not listed here, please contact us.
Only a few insurance companies currently accept credit card payments. Some accept credit card payments online, but there are some who will only take credit card information over the phone. You can find a full list of payment options by going to the payment section of our website.
While your Agent has no control over the premiums set by the companies, we can work with you to identify if any of these options make sense for you: 1) Higher deductibles mean lower premiums. While that means you would be responsible for more of the cost of a loss, it would decrease your premium and allow you to save money for those unforeseen circumstances. 2) Make sure you are taking advantage of all the discounts available on your policy by talking with your Account Manager about what may be available to you. 3) If you are a business paying over $5,000 for Workers Compensation insurance, you should make sure your Experience Modification Factor is correct. We can analyze that for you to determine if there has been an error in the calculation done by the Workers Compensation Bureau. 4) You should manage your risk to prevent losses whenever possible.
If my policy is cancelled, when does it become effective?
A policy cancellation is effective at 12:01 am the morning of the date of cancellation. The insurance company must receive payment no later than the day before the effective date of cancelation in order to avoid a lapse in coverage.
Am I covered when I rent a car?
This is a question for which there is not a straight forward answer because there are many variables to consider. Some of the points to consider are: Does your personal auto policy follow you? Should you buy the collision damage waiver? Does your credit card provide coverage? For a comprehensive discussion, we suggest you contact your Account Manager who will assist you in ensuring that you have the proper coverage while enjoying your trip.
How many employees must I have to mandate health insurance?
Employers in Massachusetts with 10 or more Full Time Equivalent (FTE) employees are required to meet certain participation and contribution requirements, as reported in a Fair Share Contributions (FSC) Report filed online with the DUA. If the minimum criteria are not met, the employer must pay a surcharge based on the total number of FTE employees. Federal health care reform will require employers with 50 or more FTE employees to pay a much higher surcharge if they do not offer minimally acceptable insurance to their employees starting in 2014. At this time, the state of Massachusetts has not determined whether a business will be subject to both state and federal requirements and surcharges.