Carriers have been using a variety of methods to encourage cooperation from insureds who were uncooperative with premium audit. Generally, carriers surcharged the payrolls to generate an additional premium high enough to influence an insured to provide the actual exposures. NCCI thought it best to standardize how carriers approach uncooperative…

That time of year is upon us – hanging lights and decorations, friends and family gathering at your home, gift giving, and the big jolly guy on your rooftop with eight magic reindeer. It may come as no surprise that this adds up to a very merry season, ripe with…

Have you ever heard the saying it is good to know a doctor, a lawyer, a car mechanic and a plumber? There are so many times in our life that these professions come in handy and knowing someone on the inside can save you money and provide you with valuable…

The weather is changing, trick-or-treaters are at your door and seasonal hazards are a concern for every homeowner. Here are some tips to help you protect your home and visitors during this Halloween season. Trick-or-Treaters – With many children coming to your door, it is important to eliminate hazards that…

These days, the Internet touches almost every aspect of our daily lives. We communicate online, share photos, conduct research, read the news, schedule appointments, pay bills, shop and manage banking and investment accounts. When we become disconnected from our online selves, we feel the impact. When we are the target…

When Is the Last Time You Assessed Your Life Insurance Needs? It may be something you have never considered or haven't considered in a while. Perhaps you just got married, had a baby or started a new business. If you have never considered life insurance or have had a change…

What they didn't teach you before you received your diploma The big day is here. You are being set free into the real world, armed with a vast landscape of knowledge and ready to take on new challenges. Maybe you have already landed that big dream job. Perhaps you have…

#4 May Surprise You and Make Your Teen a Safer Driver So your teenager has reached that pinnacle age they've been anxiously awaiting, and you, for one reason or another, have been dreading. It's time for their driver's license. Many worries may enter your mind, first and foremost, your child's…

New Englanders are no strangers to deer and moose sightings. In some areas the deer out number people. So it’s no surprise that there are times we share the roadways and wildlife collisions are unavoidable. According to the National Highway Traffic Safety Administration, yearly collisions involving just deer alone total…