Category: H&K Blog
Contractors Equipment Insurance: Protecting Tools & Equipment
From toolbelts to service trucks, vans, and flatbeds, your construction company and its contractors carry a lot of tools and equipment. From basic hand tools and equipment to larger one and two-man power and pneumatic tools and equipment, the cost of these individual tools can quickly add up. And while the loss of these tools […]
read more »Filing Time Limits on Workers Comp
Accidents happen, and when they happen at the construction site, there is good and bad news. At-work injuries are covered by worker’s compensation, which assists with losses due to being unable to work from injuries. But those claims are valid only if filed within a certain time span to avoid fines or loss of a […]
read more »New Massachusetts Smoke Detector Requirements
Starting December 1st, 2016 one and two-family homes built before January 1st, 1975 that have not been substantially altered cannot be sold with expired or out-of-date smoke alarms; a statement issued recently by the Massachusetts Department of Fire Services. The Board of Fire Prevention Regulations has revised the State Fire Code to require that homes […]
read more »Ice Dams on Condos: Who’s Responsible?
Here in Massachusetts, heavy snow in winter is common. With it comes the risk of ice dams. While for regular homeowners dealing with removal and damage of ice dams is pretty cut and dry, and the same for those who lease property, those who own or manage a condo find themselves somewhere in-between. While some […]
read more »Preventing Golf Course Vandalism
Vandalism on a golf course is not a fun thing for any owner to deal with. It means a stoppage of play, probably an investigation, and of course, can cost a lot of money to clean up and repair. Just as recently as September of 2016, these shovel-wielding vandals laid waste to a beautiful golf […]
read more »Completed Operations Liability and Construction Defects
The most well-known construction defect of all-time has become quite the tourist attraction. The 200-year long building project now known as the “Leaning Tower of Pisa” draws travelers from all over the world. Unfortunately, construction owners can’t expect to receive the same admiration for their own, modern day completed defects. In fact, discovered faults post […]
read more »Condo Common Areas and Responsibility
What exactly do I own? You will often find new condo owners asking this question. It’s important to be able to explain (and make sure you understand yourself) what is owned by the condo owner and what belongs to everyone (also known as common areas). Defining the common areas is an important distinction for both […]
read more »Why Use an Independent Insurance Agency?
Recently, there has been a growing appreciation of buying directly. Farm to table restaurants are popping up everywhere. It makes sense a certain amount of sense. Just eliminate the middleman and buy directly. You will know the wholesaler and the background of the product. In some cases, this is a great approach. However, when it […]
read more »Business Interruption Insurance for the Golf Course Owner
Storms can happen at any time. They can happen during the middle of the night or during the middle of a 120 player charity tournament as one golf course in Haverhill recently found out. A microburst caused several trees to be uprooted and split in half interrupting the tournament and closing the golf course temporarily. […]
read more »Car Water Damage and Insurance
Recently, we covered how damaging a flood can be. In this article, we are going to look at how specifically it can damage your car. You probably don’t think of water as a leading threat to your car, but it can actually wreak a shocking amount of havoc in your car. Rain can get inside […]
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