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How To Keep Your Brick-and-Mortar Store Safe

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Opening up a brick-and-mortar store can be an exciting new development in your entrepreneurial journey, but there’s still a lot to be done before you can begin reaping the rewards of your hard work. One such focus is investing in the right protection and security systems. Here are a few tips on how to keep your brick-and-mortar store safe, and why you should turn to us at Smoller Insurance Agency, serving Boston, MA, for support in case something does happen.

Tips for Improving the Safety and Security of Your Brick-and-Mortar Store

A few ways to greatly improve the safety and security of your new business location include: 

  • Installing new doors, windows, and barriers. Ensure they’re difficult to break through and secure in a way that prevents thieves from easily getting through. The more durable they are, the more they deter potential bad actors. 
  • Invest in a high-quality security system that records everything going on inside and outside your store. Gone are the days of security systems requiring tapes that need to be changed out periodically. There are high-resolution recording equipment options that will automatically upload footage to the cloud so you have it when you need it. 
  • Hire human security. Having someone constantly watching over people who may be intent on stealing can be a great way to prevent them from doing so. 

Most Importantly, Make Sure You Have Insurance! 

All of the tips above are great to prevent things from happening, but if they do, you’ll want commercial insurance. We’ll help you find the right commercial insurance with ease. Compare quotes with us at Smoller Insurance Agency, serving Boston, MA.

How to Choose Umbrella Insurance Coverage Amounts

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The amount of umbrella insurance coverage you need depends on multiple factors, including the value of your assets and the risks you take each day.

If you are unsure how much insurance to purchase or want clarification on when coverage fits your needs, turn to Smoller Insurance Agency. We help people in Boston, MA, and the surrounding area secure the umbrella insurance they need.

Consider Your Assets

To determine the right amount of coverage for your situation, consider the total value of your assets. Add up assets such as home equity, savings accounts, investments, and other valuables you own. If someone were to seek legal action against you, these assets are at risk.

Determine the Risks You Face

Your liability insurance needs to match the risks you face. If you own rental property, own a business, or host events in your home that could lead to liability, having more insurance is beneficial. Think about the risks you face of a personal lawsuit. Could you face a lawsuit or judgment against you for your hobbies, investments, or business decisions?

Use this information to get a better idea of what your risks are and how much you stand to lose. Work with an insurance agent to determine what amount of coverage could be best suited for your situation. Having enough coverage is important, but there’s no value in having more than you need, either. That’s why a personalized consultation is helpful when making financial decisions.

Set Up a Consultation To Learn More

You can count on Smoller Insurance Agency, serving Boston, MA, to help you choose the right amount of umbrella insurance for your situation. Contact us to learn more about your risks, assets, and how we can help you protect your financial assets.

What Does the State of Massachusetts Require for a Classic Car Insurance Policy?

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In Boston, MA, many classic car owners enjoy participating in special events and cruising around town in their vintage vehicles. Having the right insurance for either situation is essential, and Smoller Insurance Agency is here to help. We’ll ensure your classic car is fully covered with a policy tailored to its specific usage.

State Requirements for Classic Coverage

Even if your vehicle qualifies as a classic car and is properly registered with the Massachusetts Registry of Motor Vehicles, it is still required to have insurance, just like any standard vehicle.

For classic car owners who plan to drive their vehicle regularly, along with a standard license plate, the state mandates four types of insurance coverage: bodily injury, property damage, personal injury protection, and uninsured motorist coverage.

Bodily Injury

If you are involved in an accident and found responsible, this coverage pays for injuries sustained by another person.

Property Damage

This coverage applies when you are responsible for damage to someone else’s property.

Personal Injury Protection

Also known as PIP insurance, this coverage helps pay for medical expenses, lost wages due to inability to work, and replacement services. It applies regardless of who is at fault.

Uninsured Motorist

This coverage protects against bodily injuries caused by an uninsured driver who is responsible for an accident.

Contact Us

Make your driving experience in Boston, MA, safe and secure by contacting Smoller Insurance Agency. Speak with one of our agents to get the latest information about classic car coverage and set up a policy to protect your investment.

Can I Get Recreational Insurance for My Jet Ski?

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When a jet ski can cost as much as a used car or even a new car, it’s worth asking about insurance. While jet ski insurance is not required in Boston unless it’s financed, it’s a good idea to understand the types of coverage available.

Why Get Insurance on My Jet Ski?

The biggest reason to get insured is liability. You’re responsible for any injuries or damages when you’re out on the water, so it pays to have a fallback if something unexpected happens. Whether it’s your teenager taking it out for a joyride or a particularly choppy wake, accidents can and do happen. Additionally, most marinas and harbors require some liability insurance to use their property, though requirements can vary based on location.

Can I Get Recreational Insurance for My Jet Ski?

Yes, though it’s typically referred to as personal watercraft (PWC) coverage. These policies usually cover your liability, meaning the coverage pays out in the event of property or physical damage to another party. They also cover repair or replacement if your jet ski is damaged or destroyed by covered events, such as theft or storms. PWC coverage can even protect you if you’re hit by another party who doesn’t have insurance, so you don’t have to worry about where to turn.

A jet ski can be an exciting purchase, but it also introduces new risks. If you have questions about your liability or how to protect your investment, contact Smoller Insurance Agency today for more information or a quote. We help the people of Boston, MA keep track of their most prized possessions so they can enjoy themselves when they’re out and about.

Getting a Roommate? Here’s What You Need to Know About Your Renter’s Insurance Policy

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Sharing a living space can help you save money, but it also changes your risk profile. If you’re planning to get a roommate, it’s important to understand how this decision affects your renter’s insurance coverage. Here’s what you need to know before they move in.

Renter’s Insurance Typically Covers One Person

Most renters’ insurance policies are designed for one named policyholder. This means your belongings, personal liability, and temporary housing expenses are covered—but your roommate’s are not. If your roommate wants protection, they’ll need to purchase their own separate policy.

Adding a Roommate to Your Policy Isn’t Always Ideal

Some insurers allow you to add a roommate to your policy, but it’s not always recommended. Sharing a policy means sharing claims history, which could impact your future premiums. If your roommate files a claim, it may affect your insurance record—even if you weren’t involved in the incident.

Liability Coverage May Be Complicated

Having a roommate introduces new liability risks. For instance, if their guest is injured in your home, your insurer might not cover the incident unless the roommate is also listed on the policy. To ensure you’re protected, check with your insurance provider about how liability coverage works in shared living situations.

Keep Separate Inventories of Belongings

When living with a roommate, it’s wise to maintain a separate inventory of your personal belongings. In the event of a loss, clear documentation ensures that only your items are claimed under your policy.

Renting in Boston? Contact Smoller Insurance Agency

If you’re curious about renters’ insurance or other insurance products, Smoller Insurance Agency is here to help. Reach out to our team or visit our Boston, MA, office today to schedule a consultation and learn more.

Where Rubber Meets Risk: Smarter Motorcycle Coverage for Boston Riders

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Riding a motorcycle in Boston, MA, comes with its share of risks. Even if you’re a cautious driver, you still need to be mindful of other drivers and road conditions. Understanding your coverage options can help you make smarter decisions. At Smoller Insurance Agency, we’re here to provide guidance and help you find the right motorcycle insurance policy.

Consider Your Paths

Where you ride your motorcycle in Boston and beyond should be a key consideration when choosing your coverage. High-traffic areas increase the likelihood of accidents, and certain roads may become hazardous when wet. If you frequently ride in such conditions, it’s wise to boost your coverage.

Having sufficient coverage ensures you can file a claim with confidence. You should be able to pay your deductible, receive assistance from your insurance company for repairs, and move forward without financial stress. If your current policy doesn’t provide enough coverage for potential risks, it’s time to reevaluate and upgrade your insurance.

Not Every Policy is the Same

Motorcycle insurance policies vary significantly based on factors such as the rider, the type of bike, and even the presence of passengers. Identifying the risks most relevant to you is crucial for tailoring your coverage effectively.

Here are a few factors to consider:

  • The replacement value of your bike: Ensure your policy covers the full value of your motorcycle.
  • Passenger frequency: If you often ride with a second person, you may need additional coverage.
  • Local accident rates: Consider the number of motorcycle accidents in your area when assessing your coverage needs.

By addressing these factors, you can create a custom policy that works best for your situation.

Seek Help with Your Motorcycle Insurance

Choosing the right motorcycle insurance doesn’t have to be a solo effort. Working with an experienced agent can make the process easier and more effective. At Smoller Insurance Agency, we’ve helped riders throughout Boston, MA, secure policies tailored to their needs.

Contact us today to customize your policy and receive quotes from top providers.

Will Insurance Pay Claim if a DUI is Involved?

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Experiencing an accident while under the influence is a predicament no driver wants to encounter. In Massachusetts, where driving laws are stringent and insurance regulations are strictly enforced, the aftermath of a DUI can have enduring financial implications. A frequently asked question is whether insurance will still cover costs if a DUI is involved. Allow Smoller Insurance Agency, serving Boston, MA, and surrounding areas, to clarify.

Understanding Liability Coverage Post-DUI

If you cause an accident while driving under the influence in Massachusetts, your insurance company is generally still required to pay for damages and injuries inflicted on others. Liability coverage, which is mandatory in the state, is designed to protect third parties from financial loss. This means the insurer typically covers medical bills, property damage, or legal claims filed by others involved in the accident.

However, your troubles won’t end there. The insurer may opt to cancel your policy or refuse to renew it once the DUI is on your record. You’ll likely be classified as a high-risk driver, which can result in significantly higher premiums or limited options when seeking new coverage.

Potential Denial of Collision and Comprehensive Claims

When it comes to damage to your own vehicle, the situation differs. If you carry collision or comprehensive coverage, the insurer might still investigate the circumstances of the crash. Since driving under the influence is a criminal offense, some policies have exclusions that allow them to deny claims for illegal acts. This means you could be left with the costs of repair or replacement.

A DUI in Massachusetts carries severe penalties, and your insurance may not protect you as you expect. If you’re uncertain about how your policy would respond in a worst-case scenario, consult with an agent familiar with Massachusetts regulations, such as Smoller Insurance Agency, serving Boston, MA, and surrounding areas. Gaining clarity now could help you avoid significant financial stress in the future.

Does Flood Insurance Cover Flooding From A Hurricane?

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Hurricanes bring a whirlwind of destruction, spawning tornadoes with powerful winds that rip apart homes and uproot trees. Heavy rainfall results in flooding and dangerous storm surges, leaving a trail of waterlogged devastation. Many homeowners are confused about filing insurance claims and dealing with flooding from hurricanes.

Understanding Standard Insurance

Flooding from hurricanes often falls under the category of flooding, meaning it is typically exempt from many insurance policies. Many standard policies do not cover damage from extreme natural disasters. Instead, homeowners can purchase additional coverage for natural disasters. Many insurance companies offer add-on protection for floods, hurricanes, and more. Speak with an agent at Smoller Insurance Agency to learn about add-on coverage available in Boston, MA.

Flooding From Hurricanes

Most people aren’t sure whether flooding from hurricanes is covered under hurricane insurance or flood insurance. Water damage from excessive rain or storm surges typically falls under the category of "flood insurance". Homeowners with only hurricane insurance may end up footing the bill if they face water damage from rainfall.

Different Coverage for Different Damages

Dealing with homeowners’ insurance after a hurricane can be challenging. Flood insurance typically covers water damage, such as flooding. However, damage to doors, windows, and wind damage is generally covered under the hurricane aspect of an insurance policy. Policies may require tornado insurance to cover damages from winds if there is a tornado.

We understand that this can be confusing. Experienced agents at Smoller Insurance Agency will discuss your concerns, help you choose coverage, and ensure you know what type of coverage covers specific types of damage. Contact us to learn more today. We’re currently serving the Boston, MA area.

How to Insure Your New Condo in Boston MA

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Owning a condominium in the historic city of Boston comes with many perks and benefits. However, new condo owners must take precautions to protect the interior of their units and their personal belongings by investing in a well-structured condo insurance policy that meets their unique needs.

Learn how to get condo insurance for your new Boston condo from the experts at Smoller Insurance Agency.

Insuring Your New Condo in Boston, MA

For new condominium owners in Boston, follow the steps below to start a new condo insurance policy to protect your valuables and personal belongings in your new home.

Step One – Review Your Master Insurance Policy Coverage

Insuring your Boston condo requires understanding the limits of your Master Insurance Policy, which is typically held by your condo association. This policy protects condo owners and residents from structural-related perils, provides common area protection, and offers liability coverage for shared spaces.

Step Two – Choose Liability or Comprehensive Condo Insurance Coverage

Individual insurance takes your protection a step further and provides liability or comprehensive insurance coverage for perils, including theft, vandalism, and natural disasters.

Your policy’s contents will vary based on your individual preferences and selections. Talk to a trusted local insurance agent to learn what benefits and coverage you qualify for based on your preferences, insurance needs, and budget.

Step Three – Get a Condo Insurance Quote and Start Your Policy

Starting an insurance policy with personal property, building property, liability, or comprehensive protection is as easy as contacting a licensed and knowledgeable insurance agent near you and requesting a condo insurance quote.

Experienced agents at Smoller Insurance Agency in Boston, MA, can help you choose the best coverages to protect your financial interests. Contact our offices today!

Understanding Usage-Based Insurance

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Usage-based insurance (UBI) is an increasingly popular form of auto insurance that uses behavioral measurements of your driving habits and vehicle use to determine your premium. In effect, UBI calculates your insurance premiums based on your driving miles and riskiness. If you want to learn more about UBI programs, contact the August Vincent Insurance Agency team serving the Crystal Lake, IL, area.

How UBI Works

Traditionally, insurers determine auto insurance premiums based on a driver’s accident history, gender, age, marital status, and other characteristics. While this system was the best available, it wasn’t perfect as it based premiums on your characteristics rather than your driving behavior. However, today, in-vehicle telematics, smartphones, and other technologies allow insurers to track how often you speed, hard brake, use your phone, drive miles, and where you drive to determine your insurance premiums. Some UBI policies are based only on your miles driven, while others use your mileage and driving riskiness.

Policyholders choose to participate in UBI; the insurer does not force you into the program. Financially, UBI benefits those who drive safely for limited miles (less than 11,500 per year) and don’t mind the insurer tracking their driving and location. Such drivers typically save 5 to 10% for signing up and 10 to 15% after a trial period that confirms they are safe drivers.

UBI has drawbacks for those who drive aggressively, drive a lot, or have privacy and data integrity concerns. Insurance companies use different technologies for their UBI programs, so switching insurers may also require switching technologies.

Working With The August Vincent Insurance Agency

Our August Vincent Insurance Agency team serves the Crystal Lake, IL, area and will answer your UBI or other insurance questions. Stop by or call (847) 512-7301 today to develop an insurance plan that meets your needs.