Posted tagged ‘New England’

Going To The Chapel, And We’re…Stopping To Buy Special Event Insurance First!

August 27, 2010

Nice weather and vacation time usually means that weddings are around the corner. Something about the season in bloom makes for a perfect opportunity to share your love with close friends and family. It’s a day to remember and a big step forward in a relationship, but also a big expense. These days, the more elaborate the wedding the more expensive. During this year, residents and visitors found that Tennessee’s flooding put the brakes on many ceremonies and celebrations. Due to extreme weather conditions, popular venues were closed because they were submerged from flooding. Just this past April in Rhode Island, we experienced that stores and businesses had to close their doors and turn away customers because their environment was consumed in water! In New England you can never plan the weather, it is constantly changing around us. One minute it could be raining and the next minute it is hot and humid. Located in Holyoke, we are familiar with the ever changing ways of the weather, which is why we also recommend coverage for “The Big Day”. Ensure your special day goes off without a hitch and look into our special event insurance for your wedding


Make Those Last Few Summer Days Fun!

August 26, 2010

A great way to beat the heat of summer is to take advantage of the thriving outdoor activities that you have in your own backyard and all around the New England area. Summer activities are all around, all you have to do is to load up the car and take a beach adventure, or gas up your ATV for a ride around some of the best beaten paths that Chicopee, Holyoke, Westfield, Southwick and West Springfield have to offer. There are so many different ways of enjoying the summer, but before the fun gets taken out of hand, considering the event of an accident before heading out is beneficial to you and your family members. Did you know that as soon as you leave your property your home insurance is no longer going to protect you if you got into an accident with your ATV? How often do you actually stay on your property, probably never. That is why it is so important to purchase an Off Road Vehicle policy. This policy gives you the option of purchasing physical damage coverage for the bike, plus liability coverage to protect you in the event someone is injured. The time to worry about insurance coverage is before the accident happens, and we are dedicated to giving you the satisfaction of covering all of the corners before you take your first trip off road. We understand that these vehicles are fun, so let us give you a free quote so that you don’t have to worry about insurance if the fun gets taken out of hand. Do you own an ATV or dirtbike but are unsure of where to travel? Check out the Berkshire Trails Council website that offers tips and locations on where you can maximize your off road experience!

Rules of The Road!

July 29, 2010

Did you know that motorists and bicyclists have the same rules for the road? Many people are unaware that these two must “share the road” but also share the same rules. When it comes to living in New England think of all of the overpopulated cities that have bicyclists and motorists fighting for who has more authority over major roads and lanes of traffic. From Northampton, to Springfield and even all the way out in Boston, we have a large amount of people who are now using bicycles as their means of transportation. For example, the debate over bikers not remaining in their lanes or the question of whether or not they are on the sidewalk are two prime examples of why some accidents seem to occur. The bike lane is meant to keep motorists out for the safety of the bicyclist, as obviously an auto mobile poses as a greater threat with its significantly larger size. The lane does not however mean that bicyclists must remain inside. Also, the reason why bikers are not on the sidewalks is that in some cities it is actually illegal for bicyclists to be on the sidewalk. Think of the risks involved when a bicyclist is driving down the sidewalk. There are people they must weave through to get around, the threat of doors constantly opening from vendors and even cars, the change of foundation beneath them as the sidewalk dips down for handicap access and list continues on. One piece of advice for bicyclists however is, that if they are going to ride with traffic, they should adhere to the same rules such as  using turn signals, and stopping at stop signs and red lights to remain with the flow of traffic. The advantages of stopping when cars do, is that bicyclists have a better feel for their environment and this gives them opportunity to catch their breath. Want to know more “Rules of The Road”? Check out the official Same Roads, Same Rules campaign and be kind to your fellow road mates!

Is It Fall Yet?

July 25, 2010

As summer reaches its peak it is becoming more evident that us New Englander’s cannot rely on the ever changing weather. From scattered thunderstorms to black outs lasting for hours, we are expected to prepare for bad weather even if the forecast calls for clear skies. Have you tried preparing for dinners in advance and then find that it is too hot to even be in the kitchen, never mind cook? Or planned on a nice relaxing night at home watching a movie and then the power goes out for hours on end? We understand that weather can be unexpected so here are just a few ways to enjoy the weather, and rough out the black outs as summer begins to tone down and fall makes its way back into our lives.

When dealing with a black out:

-Contact your local electric company when the power goes out to notify them of the power outage in your neighborhood. If you receive an estimated wait time you can better prepare your night.

-Bring in solar lights that you might have in your garden or lighting up pathways outside your home. These lights will have enough energy to last you through the night or until your power gets turned back on.

-Limit opening the fridge or freezer to keep the cool air in. Eat things like ice cream and yogurt if you wish, or else those items may have to be thrown out otherwise.

If you want to enjoy a delicious dinner without heating the kitchen:

Stir fry or stove top meals are easy and fun to cook. Using fresh seasonal veggies can help your local farmer and can be bought for almost half the price of grocery store veggies. Fresh out of stir fry ideas? Here is one that will bring in all of the colors that summer veggies can offer.

-Crock pot roasts are perfect for getting your comfort food fix without heating up the whole kitchen. You can prepare them in the morning and let them cook through out the day, and the best part is there is only one pot that will need to be cleaned! Love the concept of crock pots but need a starting point? Try out this recipe and revel in the tastes of hard work without all of the heat.

-Take advantage of your grill. Using a grill, whether it is a counter top or an outside grill, brings in a smoky flavor to your meal without having to use any spices. It is also a healthy way of locking in flavors of veggies and meats. Try this recipe to lock in some of those great flavors into your summer veggies using aluminum foil, which can be thrown away after you’ve eaten dinner.

We all know that the summer can be unbearable in New England, but we also know that nice weather is not going to last much longer. It’s important to get fruits and veggies while they are in season as during winter they are more expensive and do not taste as good when their growing peak is in nicer weather. Above all try and stay cool and take advantage of nights that are not as hot.

Come Sail Away!

July 2, 2010

Getting off land and into the water is one of the best ways of cooling down this summer. Whether you are diving into the water, or taking control of your boats’ steering wheel, it is important to make sure that you are prepared if an accident were to occur.  Often times people forget to pack important things when boarding a boat, and find that they are unprepared when an accident strikes. Below are a few ways to incorporate safety into the mix so that your trip off land is a successful one.

– Travel only in areas open to your type of boat

– Always operate your boat at a safe speed

– Carry a Coast Guard approved life vest (PFD) for each person on board

– Make every effort to always go boating with a partner

– Make certain your trailer is in proper working condition and everything works properly. For instance, your lights on the trailer before leaving for your destination.

– Don’t mix boating with alcohol or drugs

Lastly, make sure that your current boat is registered and that you have the proper insurance coverage before leaving the dock. Any of our agents would be happy to help you choose the best coverage for the best price. We know how great it is to escape on the open waters, we just want to help make the sailing a little more smooth.