Assisted Living Coverage
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a client. He & his wife are both Named Insured (NI). He is now in a nursing home. Policy on HO 00 05 05 11. I believe the HO 04 59 05 11 Assisted Living…
Coverage for MAIP Policy on Imported Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a question regarding a personal auto policy. One of my clients plans to import a 1995 Nissan ATLAS from Japan for personal use, with no business involvement. The vehicle weighs 6000 pounds and has the…
Private Passenger Residual Market Modifications to Manual Rules, Amendments to Rule 27.
Effective May 1, 2024, the Private Passenger Residual Market Modifications to Manual Rules have been approved. SUVs are included in section B with pick-ups and vans now have the limitation on delivery that is only “incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment” and they also increased the GVWR from…
Does a Massachusetts Auto Policy Protect You When Your Injuries Are Caused By Someone Else’s Carelessness?
March 25, 2024 Written By: Laura J. Poulin, AILP, AINS, AAM, CPIW, CRIS, MLIS, Director of Curriculum and Technical Affairs, MAIA No one ever thinks they will be involved in a car accident. Hopefully, your Insured’s plan for it with adequate liability limits. But they can’t control another driver’s behavior or whether they have insurance…
WC for Uninsured Subs
*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question Do you have anything I can show the Insured regarding the Workers Comp Audit we discussed on Friday? He hired a sub to do about $20K in work last year; the sub is also a carpenter and…
2024 March Homeowners’ Multi-Peril P&C Insurer List
This 2024 March Homeowners’ Multi-Peril P&C Insurer List is provided as a benefit of your membership with the Massachusetts Association of Insurance Agents (MAIA). MAIA Introduces Member-Only Massachusetts Homeowners’ Multi-Peril Insurer List The reason MAIA is providing you with this list is it lets you have speedy access to information on the Homeowners’ Multi-Peril Insurance…
2024 Annual Privacy Notice
Thank you for trusting MAIA and Number One Insurance Agency to protect you and your business! We are committed to protecting the confidentiality of your personal and company information, your staff, and your agency’s clients. Following the Gramm-Leach-Bliley Act, also known as the Financial Services Modernization Act, we ask that you review our annual communication…
GL Certificates
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Looking to see if you can assist. Question about issuing GL certificates. I have an insured who is a roofer/carpenter. His GL policy excludes snow removal…he has requested that we send a certificate to a vendor for…
Flood Coverage for Storage Unit
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Would Flood contents coverage extend to a storage unit? Also, been out of the Flood game for a while…can you cancel prorate or is it fully earned? Answer Laura Poulin: To answer your questions, I assume you…
Endorsement for Company Furnished Vehicles
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Isn’t there an endorsement we can add on a personal auto policy for a client that uses his company furnished car for personal use too? We have a client who works for a company and furnished a…
2024 February Private Passenger Auto P&C Insurer List
You are being provided this 2024 February Private Passenger Auto P&C Insurer List as a benefit of your membership with the Massachusetts Association of Insurance Agents (MAIA). MAIA Introduces Member-Only Massachusetts Private Passenger Auto Insurer List In 2024 the Massachusetts Association of Insurance Agents (MAIA) is expanding your member-only access to state-specific P&C industry data. …
Property Non-Renewal Notice Due to Inspection
*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Can you please help with the questions below? Some of the account managers here are struggling with all the non-renewals we’re receiving from our standard companies for mainly property but also auto. For property, we would typically…
Another Ridiculous COI Request…Involving the HO Policy, No Less!
February 12, 2024 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Consultant, Technical Affairs, MAIA I received an email from an agent regarding a client’s leased land and COI request. The insured owns a camp on leased land owned by the State of NH. The insured has liability extended to…
Named Non-Owner
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Hi there…are these 100% earned, short rate, or carrier specific? Thank you! Answer Irene Morrill: The CAR manual and the AIB manual discuss “short rate cancellation” of auto policies unless the insured requests cancellation within 30 days…
Snow Removal Issues
January 29, 2024 Written By: Laura J. Poulin, Director of Curriculum and Technical Affairs, MAIA Plowing Snow as a side gig and some things to think about when Insureds consider this business venture… MASS. PERSONAL AUTO POLICY A snowplow or other detachable equipment does not automatically disqualify a risk from a Personal Auto Policy, but…
High Value Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question We have an insured taking delivery of a New Used car today – a 2022 Porsche with a Purchase price of 146,000. He bought the car from a dealer in Florida, and it is being delivered to…
Deferred Driver
*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Please help me with this question today. I have a new insured who wants to bring 3 of his 4 autos from Carrier A. He wants to leave still 1 auto with Carrier A with his two…
2024 January All P&C Insurer List
You are being provided this 2024 January Private Passenger Auto P&C Insurer List as a benefit of your membership with the Massachusetts Association of Insurance Agents (MAIA). Expanded Data for MAIA Members in 2024: **NEW** MASSACHUSETTS ALL INSURER LISTING In 2024 the Massachusetts Association of Insurance Agents (MAIA) is expanding your member-only access to state-specific…