Financial market ups and downs are challenging, to say the least, for many investors. Saving for retirement makes you a long-term investor, but it is important that you shape your investment strategy by revisiting a few fundamental investment concepts every 6 to 18 months, regardless of market conditions. Revisit Your Risk Tolerance What level of […]
Presented by: Christopher F. Hawthorne, CPCU, CIC As we settle into winter, it is an appropriate time to revisit the issue of liability from slip and falls (S&F). As mentioned in prior Cleary Quarterly articles, the Massachusetts laws have changed making it easier to establish liability to those involved. As such, we are seeing an […]
On Dec. 20, 2019, President Trump signed into law a spending bill that prevents a government shutdown and repeals the following three taxes and fees under the Affordable Care Act (ACA): The Cadillac tax on high-cost group health coverage, beginning in 2020; The medical devices excise tax, beginning in 2020; and The health insurance […]
Presented by: Jonathan Hall When was the last time you checked your smoke alarm? How about your fire extinguisher? Where will you and your family meet when you need to evacuate? If you don’t know the answer to these questions, you are not alone. September is National Preparedness month and it’s important for all of […]
Be Prepared for the January 1, 2021 Law Starting in 2021, the state of Massachusetts will offer paid family and medical leave benefits to employees. Payroll deductions for employees begin October 1, 2019. This program allows employees to receive a portion of their pay while on leave to recover from an illness or injury, bond […]
Presented by Christopher F. Hawthorne, CPCU, CIC It is frustrating to see a client’s auto carrier pay a claim to a third party based on false information. An example being a client who had a car, with four people in it, pull in front of him and slam on their brakes. He stopped his vehicle […]
Many parents encourage their kids to play sports in middle school and high school because they truly believe it’s good for their children’s physical and mental well-being. Athletic participation also provides an opportunity to instill discipline and develop social skills that could have a positive impact on their children’s futures. But lofty hopes and dreams […]
Cleary Insurance was a featured speaker at the Boston Arts and Business Council’s Seminar for the National Arts Strategies Program. The NAS gathered in Boston to learn about business related topics for artists and art non-profits. Cleary’s Chris Hawthorne led a session on structuring insurance programs for Public Artists and non-profits.
Presented by: Christopher F. Hawthorne, CPCU, CIC Technology has delivered an exposure for those who hold, use or depend on information be it paper or electronic. Just as inventory once was the life line for a business, data and information now takes their place alongside the tangible assets of a business. This can be data […]
The Affordable Care Act imposes fees on issuers of specified health insurance policies and plan sponsors of applicable self-insured health plans to help fund the Patient-Centered Outcomes Research Institute (PCORI). PCORI is responsible for conducting research to evaluate and compare the health outcomes and clinical effectiveness, risks, and benefits of medical treatments, services, procedures, and […]