Our Blog

clock September 24, 2020 comments No Comments flowchart Our BlogOur Community tag

Coffee lovers take heart! Rhode Island has plenty of top notch coffee venues that are sure to satisfy your java cravings. These great local spots are worth exploring. Bristol The Beehive Cafe The Beehive Café features carefully crafted coffee and scrumptious food. They offer indoor and outdoor seating as well as delivery and takeout so… Read more »

clock September 22, 2020 comments No Comments flowchart Automobile InsuranceOur Blog tag Saving Money

Pay-as-you-go, or telematics-based, auto insurance allows drivers to link their premiums to their driving patterns. Initially, this usage-based insurance based premiums on miles driven. Today, telematics software is very sophisticated and rewards safe driving behaviors. Miles driven have far less of an influence. How Does It Work? The idea is simple. The driver buys a… Read more »

clock September 17, 2020 comments No Comments flowchart Business InsuranceOur Blog tag

General liability insurance is considered essential for most Rhode Island businesses. However, much confusion surrounds what it does and does not cover. Let’s look at the basics of a general liability insurance policy and why it is important for your business. What General Liability Insurance Does Cover Most policies cover third-party bodily injury and property… Read more »

clock September 15, 2020 comments No Comments flowchart Business InsuranceOur BlogWorkers Compensation tag

In Rhode Island, workers’ compensation insurance uses three factors to calculate premiums: rate assigned to each payroll classification in your business, total amount of payroll for each classification, and your experience modification factor. The third is the only one within your control to change. Handling your experience modification factor poorly will cost you plenty. However,… Read more »

clock September 10, 2020 comments No Comments flowchart Flood InsuranceHomeowners InsuranceOur Blog tag

Flood insurance may seem like an unnecessary coverage, but nothing could be further from the truth. Let’s debunk the myths and discover why this valuable coverage is an essential tool that protects you from significant financial loss. Myth #1 – Home, Renter, & Business Policies Cover Flooding False – standard policies typically exclude flooding. However,… Read more »

clock September 8, 2020 comments No Comments flowchart Homeowners InsuranceOur Blog tag Liability

In Rhode Island, Condo insurance isn’t as straightforward as homeowners insurance for many reasons. First and foremost, a condo is within a building with multiple units and requires insurance for your personal space, plus collective insurance on the entire building. In most cases, the owner pays an association fee that covers their portion of the… Read more »

clock comments No Comments flowchart Automobile InsuranceOur Blog tag Safety

A Rhode Island drivers permit can be issued to young Rhode Island residents who complete a 33 hour driver education course. However, drivers education teaches basic skills and a new driver’s first couple of years out on the road are their most dangerous. Luckily, there are also many things you can do to help your… Read more »

clock comments No Comments flowchart Homeowners InsuranceOur Blog tag

Most people assume that their homeowners insurance automatically provides full coverage for their shed and garage. However, all insurance policies differ as do the clauses and terms within them. Let’s take a look at what’s typically covered and when you might need additional coverage. Outbuilding Coverage Your shed, detached garage, deck, fences, and other unattached… Read more »