Central Insurance Companies

For College Students, Some Exclusions May Apply

With college kids back to school, parents often call to remove their children from their auto policy to try to save a few dollars. While this may be possible in some states, it is not the case for all.

In Massachusetts, for example, all household members or customary operators of a vehicle must be listed on the auto policy. If a person’s legal address is your home, then they are considered a household member.

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Ouch! Now What?

You’re at work moving storage boxes when suddenly, you feel a sharp pain in your back.  At first, you take a few deep breathes thinking you have just pulled a muscle and if you give yourself a moment, you’ll be alright.  However, after a few minutes, the pain continues and you realize it may be something more serious.  Now what should you do?  Fear sets in. If you go to the doctor, how will you pay for treatment?  If you miss time from work, how will you pay your own bills? 

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Trusting Your Favorite Websites

Just because malicious websites exist doesn’t mean you should limit the capabilities of the trusted sites that you frequently visit. There are already enough cases in life where the majority is deprived due to the actions of a select few. Don’t let the use of your favorite websites become another. Here are some steps you can take to free your favorite, valid sites from their undeserved persecution.

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Education Doesn’t End at Graduation

The school busses are on the road and kids are back in school.  This is a great time for everyone to give thought to their personal “education” and development.  In our ever-changing world, learning doesn’t end when we graduate from high school or college.   In order to be successful and stay current, people need to have a “continuous improvement” mindset.  Think of it as an investment in yourself that makes you more valuable to your present employer and will help prepare you for a future opportunity.

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Understanding and Preparing for a Premium Audit

You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations.  You’ve paid all of your premiums on time so what could they possibly want?

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Raising the Bar: Best Practices for Bar Risk Management

It happens more than you’d like to think.  A person drinking in a bar leaves and causes an accident, injuring or killing another person.  The victim’s family then files a lawsuit against the bar.  Owning a bar can be fun and financially rewarding, but it also exposes you to liability risks that could prove costly should you be sued.  Here’s what you can do to manage those risks and protect yourself and your establishment.

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Don’t Wait on Weird Workers’ Comp Claims

When it comes to workers’ compensation, it’s important to report every claim right away, even if the claim seems downright absurd.  Those are the claims that will likely take more time to settle. Why? Some claims, like a finger caught in a machine, are obviously related to the activities of work. It’s the more questionable claims that may require an in-depth investigation first. 

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