When most people think about insurance, they associate it with buying a car or home. Renter’s insurance is often overshadowed in this way. Even though renter’s insurance is not always required, it’s still important when considering the net worth of your personal items. At Cleary, we recommend renter’s insurance so that you’re protected against the […]
Entrepreneurs are often mislabeled as “risk takers,” while in reality the most successful ones make calculated and mindful decisions. This sense of purpose and deliberation comprise a few of the qualities that differentiate successful entrepreneurs from the average risk taker. A risk takers’ biggest mistake is depending too much on chance. Too often, they lay […]
Whether the damage is small or large, tangible or not, any business owner in the process of filing a commercial insurance claim faces a good deal of stress. More time and effort is needed to maintain the business while repairs are negotiated with the insurance policy provider. We encourage small businesses to take a look at […]
Most corporations opt for some form of liability insurance, and small businesses are no exception. But if you’re new to the world of risk management, the first question to ask yourself is: what exactly is liability insurance? General liability insurance – often referred to as commercial insurance – is best described as coverage for damages […]
It’s not easy to run a small business. Business owners face a diverse range of risks-some business-related, but also personal jeopardies such as debt and income loss if things go really wrong. This is understandably stressful as it can leave an air of uncertainty over the future. Technology can also be confusing and might leave […]
Let’s face it; insurance agents aren’t normally in the business to tell you what types of a commercial insurance policy you don’t need. In fact, many of our clients tell us that they often felt uncomfortable talking with former agents for fear they’d over sell them on coverage. At Cleary Insurance, we’re all about risk […]
Cleary Insurance Believes in Embracing Risk by Elizabeth Blosfield When William J. Cleary III and his father, William J. Cleary Jr., decided to take a risk 25 years ago, Cleary Insurance, a Boston, Mass., based insurance agency, was born with just four other employees. Its team of employees has grown nearly six times its original […]
In the early hours of July 28, Republican efforts to repeal and replace the Affordable Care Act (ACA) ended when the Senate fell short of the 51 votes required to pass the Health Care Freedom Act (HCFA). Called the “skinny repeal bill,” it would have eliminated the individual mandate penalty and temporarily repealed the employer […]
Presented by Michael Regan The Massachusetts Construction Classification Premium Adjustment Program (MCCPAP) applies to employers who are eligible for workers compensation experience rating and have exposure in any of the enumerated construction classifications. The MCCPAP may reduce an employer’s workers compensation premium. The calculated credit is applied to all of the employer’s workers compensation classifications. The basic […]
Renters Insurance So you’ve kicked off your kid’s college career with a new laptop and some other expensive high-tech gadgets. Now it’s time to follow up to ensure his or her property is safe in the event of theft, fire or other mishap. In general, protecting a student’s personal property boils down to a simple rule: If […]