May 08
Massachusetts Worker's Compensation Rate Change
As was announced last month, The Commissioner of Insurance has approved a revision of Worker's Compensation rates, effective September 1st, 2008, applicable to policies that are new or renewed on or after that date. The specific changes and the actual rates for individual classifications have just been released.
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February 08
Contract Problems? Required Additional Insured Forms May Create One
Problems with additional insured requirements have been surfacing more and more of late. Some Owners and General Contractors (Bovis & Suffolk for example) have been insisting that you provide Additional Insured status for them on versions of Additional Insured forms that the carriers will not provide or for which they will charge a significant additional premium.
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July 07
Massachusetts Worker's Compensation Rate Change
As we announced to you last month, the Commissioner of Insurance has approved a revision of Workers' Compensation Rates, effective September 1, 2007, applicable to policies that are new or renew on or after that date. With this mailing we have enclosed a listing of the actual rates for the most common construction classifications.
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May 07
Renting a Vehicle? Are you covered? Is it Automobile or Contractors’ Equipment?
Whenever you rent or lease a vehicle it is important that you tell us. Often you are asked to provide a Certificate of Insurance to the rental/leasing company evidencing coverage, but sometimes you are not. Either way it is important that you know what coverages your rental/lease agreements require and communicate that to us.
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March 07
Certificates of Insurance New Requirements for Sole Proprietors and Partnerships
The Massachusetts Workers’ Compensation Bureau and The Division of Insurance have recently announced new Mandatory Procedures for Issuing Certificates of Insurance for Sole Proprietors and Partnerships (Procedures). We will soon begin implementing those procedures in the Certificates we issue. (This new procedure has not yet been mandated for LLCs.)
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March 07
Pollution Liability Coverage and Mold Protection
We have advised you in the past how important it is that you consider adding the above coverages to your asset protection program (insurance). Unfortunately, as the legal environment surrounding Pollution and Mold claims continues to worsen, it is our absolute belief that all companies, especially contractors, need to protect themselves against these exposures.
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January 07
Contractor's Equipment Excluded from General Liability Policy When Subject to Motor Vehicle Insurance Laws
Insurance carriers are beginning to use a new General Liability (GL) policy form that eliminates coverage for “mobile equipment”, such as construction equipment, that is subject to motor vehicle registration requirements and to the state's compulsory insurance or financial responsibility laws.
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December 06
Terrorism Coverage under TRIEA Uncertain Past 12/31/07
Last January we sent you a notice that President Bush had signed the Terrorism Risk Insurance Extension Act (TRIEA), which provided a two-year extension of the Terrorism Risk Insurance Act (TRIA) through December 31, 2007.
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September 06
Workers' Compensation...SECOND DEGREE FELONY FOR FAILURE TO COMPLY
Attached is a copy of the letter we sent you in May regarding "Other States" Coverage. It mentions the importance of telling us whenever you have work in another State not currently listed on your policy so that we can properly add that State.
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May 06
Workers' Compensation...You May Not Have Coverage In "Other States"
You should be aware that your Workers' Compensation and Employers' Liability policy may only pay benefits required of the states listed in item 3.A. of your policy's Information Page.
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March 06
Carbon Monoxide Alarms Required in Residential Buildings
Important notice for Residential Property Owners, especially rental property... Nicole's law will increase your liability exposure if you do not install Carbon Monoxide alarms by 3/31/06
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February 06
Melanie's Law CAUTION - It's Not Just About Drunk Drivers
Melanie's Law, the Act increasing penalties for drunk drivers in the Commonwealth of Massachusetts, went into effect on October 28, 2005.
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February 06
Residential Projects - Be Cautious- Clarify Coverage
When working on Residential Projects, it's a good idea to clarify that the General Liability coverage of those working for you has no prohibition for Residential Work.
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January 06
Terrorism Act Extended - Commercial Auto Now Excluded
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January 06
Terrorism Act Extended
As you may all know, President Bush has signed the Terrorism Risk Insurance Extension Act, which will provide a two-year extension of the Terrorism Risk Insurance Act (TRIA) through December 31, 2007
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December 05
Pollution Liability Coverage and Mold Protection
We have advised you in the past how important it is that you consider adding the above coverages to your asset protection program (insurance)
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September 05
New Workers' Compensation Rates For Massachusetts
3% Average Rate Level Decrease Effective 9/1/05
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View a table of the most common construction classifications and the current Massachusetts Workers' Compensation rates effective 9/1/05.
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April 05
How to File a Declaration of Homestead
A Declaration of Homestead is an easy, inexpensive way to protect your home in the case you are sued
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March 05
Insurance Requirements & Optional Coverages
Recent transactions have highlighted the issue of matching your insurance coverages to project specification requirements.
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March 05
Massachusetts Independent Contractor Law Amended
We thought you should be aware of a recent change to the Massachusetts Independent Contractor Law.
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November 04
Public Construcion Reform
Updates regarding the new Filed Sub-Bid Laws and prequalification process.
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November 04
Frequently Asked Questions regarding the Public Construcion Reform Law
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September 04
Flood Insurance
With the Atlantic Hurricane Season upon us and the devastation being caused in Florida we are compelled to remind you of the need for Flood Insurance. The probability of one or more major hurricanes hitting the North East should not be underestimated...
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February 2004
Massachusetts Worker’s Compensation Coverage Now Available for Members of Limited Liability Companies
The State of Massachusetts has recently clarified its position regarding the availability of Workers' Compensation Coverage for Members of Limited Liability Companies.
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October 2003
Drive Other Car Coverage
Read these important details on the Business Auto Policy Liability coverage, including adding "Drive Other Car Coverage".
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September 2003
New Workers’ Compensation Rates For Massachusetts
As many of you have heard, the Division of Insurance announced a 4% average decrease in Workers' Compensation rates to be effective September 1, 2003 for all policies that are newly issued or renewed on or after that date.
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View a table of the most common construction classifications and the current Massachusetts Workers' Compensation rates effective 9/1/03.
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