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Before you think about running that red light…


stopredlightHas this happened to you? You’re driving through an intersection; you have a green light. All of a sudden you see a car racing at you from the cross street into the intersection. In a split second, you have to assess all the traffic around you and how (if possible) to avoid being T-boned. Read the rest of this entry »

MA Flood Insurance Bill Signed Into Law



Flood insurance has been front and center in the news throughout the last year or more as a result of new flood maps released by the Federal Emergency Management Agency that expand flood plains and reflect higher predicted water elevations, forcing thousands of property owners to start buying flood coverage. Read the rest of this entry »

How to Avoid the “Man-in-the-email” Fraud



The FBI has cautioned businesses about a new fraud scheme nicknamed the “Man in the email”.” The criminals intercept legitimate emails between purchasing and supply companies and then spoof subsequent emails – impersonating each company to the other – and instructing the purchasing company to send payments to a new bank account due to an audit being conducted in their standard bank. Read the rest of this entry »

FAQs on Boat Insurance


photos-boats-marinaWe find that even experienced boaters may not be knowledgeable about boating insurance. Here are a few of the most frequently asked questions we encounter every year: Read the rest of this entry »

Fireworks Safety Tips



What’s the first thing that comes to mind when you think about the 4th of July? We’ll bet barbeques, family get-togethers, and fireworks are somewhere on the list.


What you probably don’t think about is that according to the Consumer Product Safety Commission there were an estimated 9,600 fireworks-related injuries during the Fourth of July season in 2011. (another 7,400 in 2013)


The Cushman Insurance Group is based in Massachusetts, and in our state, the sale and use of fireworks (other than by professionals) is illegal. But we also know that residents travel out of state during the holiday to celebrate, or they buy fireworks out of state and use them here illegally (not something we condone.) Given that reality, we offer these fireworks safety tips: Read the rest of this entry »

How to Avoid and Survive Rip Currents


rip-sign4-27-smRip currents are horizontal currents. They don’t pull people under the water; they pull people away from shore.

Rip currents account for 80% of all beach rescues and over 100 deaths every year in the United States. Those drownings may be due to any combination of fear, panic, exhaustion, or lack of swimming skills.

There are a basic things you should know to (a) avoid finding yourself in a rip current and (b) surviving if it should happen to you: Read the rest of this entry »

How to Prevent Slips and Falls in Your Home


slip-and-tripIt’s NATIONAL HOME SAFETY MONTH. And as were were thinking about that, we were actually surprised to learn that FALLS are the second leading cause of accidental death. (Only automobile accidents exceed its rate of accidental death.)

  • Each year an estimated 424 000 individuals die from falls globally.
  • Adults older than 65 suffer the greatest number of fatal falls. Young children are the next most affected group.
  • Each year 37.3 million falls that are severe enough to require medical attention.

Read the rest of this entry »

Cybersecurity Tips for Small Business


cyber liability insuranceBroadband and information technology are powerful tools for small businesses. However, cybersecurity threats are real, especially given the dominance of mobile devices and the use of less secure Wi-Fi connections. (Most business people have 3 mobile devices, 80% prefer using Wi-Fi, but 36% lack confidence in Wi-Fi security!)


Take active steps to keep your company cyber-safe. Here are ten key cybersecurity tips to protect your small business, courtesy of the FCC:


1.Train employees in security principles.

Establish basic security practices and policies for employees, such as requiring strong passwords, and establish appropriate Internet use guidelines that detail penalties for violating company cybersecurity policies. Establish rules of behavior describing how to handle and protect customer information and other vital data.

Read the rest of this entry »

Your Tires: Critical to Your Safety!


Road trips – for many they are one of the best parts of summer. Before you hit the road, stop into your local service station and have your tires checked. It’s important for your safety, the life of your tires, and your gas mileage. And since the first week is June is National Tire Safety Week, we thought it would be a great time to share some important tire safety guidelines: Read the rest of this entry »

Bicycling Safety Tips


bicycleSafetyBoston was on some of the “worst-cities for bicyclists” lists for years. But in a dramatic turnaround, Boston has made’s top twenty (#16 on the Best Cities list in 2012). The city’s bike-share program, the installation of bike lanes and racks, and various educational programs have contributed to the turn-around.


Safe cycling is a shared responsibility – of the bike riders and the other vehicle drivers who share the road. If you’re a cyclist, here’s a quick review of your rights…and your responsibilities…on our shared roadways: Read the rest of this entry »