Entries by Carol LaCombe

Commercial Auto Insurance

What is DOC? Presented by Christopher F. Hawthorne, CPCU, CIC Often people own a vehicle that is in the name of a business with no vehicle in their personal name to be used both personally and commercially. This ownership structure puts one in a position of not having auto insurance coverage in certain situations. Commercial […]

Separation, Divorce and Personal Insurance Considerations

Presented by Christopher F. Hawthorne, CPCU, CIC   During the period of a separation and divorce, several issues arise in terms of one’s insurance program.  Unfortunately, the untangling and restructuring of an existing insurance program can be very confusing and is often overlooked.  As an insurance program is rebuilt in what can be a hostile […]

Tax Cut & Jobs Act – Estate Planning Issues

The Tax Cut & Jobs Act now provides each taxpayer an $11.2 million estate tax exemption {very unlike the MA $1 million threshold exemption applicable to Massachusetts residents} – doubling the exemption established by the Obama Administration.  Now is a good time for all clients to review their existing plans with their advisor team to ensure […]

Wellness programs are out. Wellbeing strategies are in.

Something isn’t right. As a country, we are getting sicker every day. Productivity is on the decline, and most employees report not being engaged while on the clock. Relentless increases in healthcare costs are crippling organizations, and the future promises more of the same. We are quickly reaching a crossroads where the cost of healthcare […]

Why Pipe Freezing is a Problem

Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the strength of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are: Pipes that are exposed to severe cold, like outdoor […]

Why Risk Transfer?

Presented by Christopher F. Hawthorne, CPCU, CIC Insurance premiums fluctuate annually due to sales and payroll activity but also due to loss history.  The insurance policy provides money to rebuild damaged property, to defend in a liability suit, to pay settlements as well as take care of employees when they are injured on the job.  […]

Ways to Foster Workplace Wellness

Managing an office that promotes a healthy work-life balance is a trial-and-error process. Between constant accessibility as a result of technology and the pressure to meet deadlines, employee and workplace wellness is too often compromised. It may not seem like your responsibility, but you want to encourage your employees to balance their personal and professional […]

New Healthcare Assessment for Massachusetts Employers

We want to make you aware of an important law that will impact Massachusetts-based employers beginning January 1, 2018. Under a law signed recently by Governor Baker, employers with six or more employees will begin paying a new health care assessment to support the Commonwealth’s Medicaid program, MassHealth. Highlights of the new law It increases the existing […]