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As we move from spring towards summer, it’s time for graduation and engagement parties and weddings. These celebrations should be fun and worry-free, but they also increase liability risk. This is especially true if you serve alcohol, particularly in the presence of minors. Understand Social Hosting Law Rhode Island law does not permit underage alcohol… Read more »

Homeowners insurance costs aren’t normally the initial driver when someone decides to install surveillance cameras on their property. They’re more interested in protecting their home, belongings, and loved ones. Nonetheless, adding security features to your home can have an added benefit. Some insurers offer up to 20% off your annual premiums if you beef up… Read more »

Insurance is an expected business expense, but landscapers face unique risks. They work on and around the property of others. Plus, many of their activities increase risk of bodily injury. As a result, landscapers may need more than one type of insurance to protect them well. Some are absolute necessities, while others may only be… Read more »

If you lease your vehicle, you may need to have service performed at a dealership. Otherwise, federal law allows you to choose any mechanic, without affecting your warranty coverage. Typically, independent repair shops are less expensive than dealerships. Independent shops may also complete factory service training that can prove valuable. Whether you prefer to use… Read more »

Generally, homeowners insurance extends to your landscaping, if a loss is caused by a covered peril. Examples of perils typically include fire, theft, vandalism, lightning, and more. However, insurance policies can vary greatly. As a result, it is important to understand what your specific policy covers and what it excludes. Otherwise, you could face an… Read more »

Spring has sprung and it’s the ideal time to visit some of Rhode Island’s most beautiful gardens. Some are especially great at this time of the year since they feature great swathes of spring blooms. Don’t miss your chance to see at least a few. Bristol Blithewold Mansion, Gardens & Arboretum Blithewold offers an updated… Read more »

Flooding may not be something that you worry about, because you believe you home lies outside of flood zones. However, times are changing and there are many more factors to consider. Ninety-Percent of Natural Disasters Involve Flooding The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA) states that 90% of… Read more »

Repairing or replacing auto glass is more expensive than you might think. Plus, it’s often something you can’t ignore due to state vehicle safety inspection requirements. For example, Rhode Island drivers can’t ignore cracks that allow the glass to move or that damage the safety seal inside the glass layers. They must also attend to… Read more »

No fault insurance, or personal injury protection (PIP), is an insurance coverage available in certain states. It can pay medical expenses, hospital bills, and amounts not covered by your health insurance for you and your passengers if injured in an accident. No-fault refers to the fact that the policy provides coverage, regardless of who caused… Read more »

Goodness knows we are ready for the great outdoors. The weather is getting warmer and it is the perfect time to enjoy Rhode Island with the family. Check out some of the spring activities that are perfectly-suited for the whole family. See Fields & Fields of Tulips Tulips are a sure sign that spring is… Read more »