Category: H&K Blog

Winterize Your Home

Winterizing Your Home

Thursday, September 24, 2020

With winter coming around the corner, September is a great time to winterize your home while the weather remains warmer. Though this does not always seem related to insurance, many of the tasks completed while preparing your house for colder weather can also reduce risk of future claims. Though tasks may vary depending on your […]

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Are You Prepared for Life’s Uncertainties?

Thursday, August 27, 2020

Collectively, life has thrown a lot of uncertainty at lately and everyone can benefit from a personal inventory: Do you worry about your account being breached?  Are you ready to take care of a parent? Do you know the risks of entering a new relationship after being married? Are you prepared for an unforeseen medical […]

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Local Spotlight: We All Can Use Some Coaching

Tuesday, July 14, 2020

H&K Insurance is spotlighting local companies that are working to help people through these times. In this post, we’re spotlighting an on-line life coach service positioned to help professionals in all stages of their career. Hi, I’m Eric Allen. I am a behavior specialist and life coach. I have been helping people online and in-person […]

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D&O Liability Insurance

The Challenges Of Securing Directors & Officers Coverage

Tuesday, June 23, 2020

First what is D&O coverage? Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, and their spouses, in the event they are personally sued by employees, vendors, competitors, investors, customers, or other parties, for actual or alleged wrongful acts in managing a company. Covid-19 has made it extremely challenging for insurance companies. At […]

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Preparing to Reopen Your Business

Monday, May 11, 2020

The entire world continues to navigate unknown territory in how to deal with the COVID-19 outbreak and the economic fallout from it. Every business owner is evaluating how to reopen or ramp their company activities back up. There are many human resources, safety, operations and financial questions to consider. To assist businesses in starting their […]

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Insurance Questions Amid COVID

COVID 19 Consumer Insurance Tips

Monday, April 20, 2020

These days you can’t go online without seeing dozens of opinions, speculation and, at times, misinformation about how COVID 19 will affect our lives. Every industry has seen some kind of change; some have seen an uptick in sales, while many more have seen varying levels of income loss. Insurance is no different, though admittedly, […]

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Corona Virus and business insurance

Pandemics and Insurance

Friday, March 13, 2020

Containing the Coronavirus There are growing concerns about the COVID-19 coronavirus impacting businesses with travel bans, school closings and function cancellations. One question many companies are asking is if there is insurance coverage for business income or business interruption in the case of a local government-mandated shutdown to contain a community spread of the coronavirus? […]

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The Challenges of Condo Self-Management

Monday, February 17, 2020

The debate as to whether to hire a professional management company, given the financial burden, or to continue to be self-managed is a difficult one. When dealing with insurance, associations have four major issues they need to consider: communication, claims, renewal coordination, and budgeting. Communication key, the association needs a point of contact who has […]

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Earthquake Insurance

Monday, December 30, 2019

Last month’s earthquake near Gloucester and Marblehead has once again raised the issue of how vulnerable New England is to a repeat occurrence. Here are a couple of facts for you to consider: • Believe it or not, the Northeast US is earthquake country – while it does not have the high frequency of earthquakes […]

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Key Elements of a Data Security Policy

In recent years, small businesses have suffered around 31% of cyber attacks. It’s clear that an effective data security policy is essential to avoiding these attacks, and in order for a policy to be effective there are key elements that must be included in the framework. In a world where 52% of breaches are caused […]

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