Individual as Lienholder
Individual as Lienholder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I have a quick question for you. I have a client that is purchasing a vehicle cash for their friend. I am currently working on the quote for this friend now for new business.…
WCRIBMA Special Bulletin: Policy Year 2016 Final VDAC Reapportionment
WCRIBMA Special Bulletin: Policy Year 2016 Final VDAC Reapportionment
Auto Policy for Permit Holder
Auto Policy for Permit Holder QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good afternoon, I just had an interesting scenario here in the agency. Someone came in currently working with an African refugee who has purchased a used vehicle. The Refugee has been permitted…
Flood! Are You and Your Clients Prepared for Spring?
Flood! Are You and Your Clients Prepared for Spring? There are changes for NFIP taking effect on April 1, 2019. Keeping up with all the flood changes can be daunting and confusing. It doesn’t have to be a workout! Take the ‘work’ out of flood and let Number One Insurance Agency do it for you…
Philbin Insurance Raises Over $2,000 in Beanpot Challenge
Philbin Insurance Raises Over $2,000 in Beanpot Challenge In an effort to raise money for the Travis Roy Foundation, Philbin Insurance Group sent one of their own to hit the ice.
Use of Other Autos – M-0051-S
Use of Other Autos – M-0051-S QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 Good Morning, I’m hoping to get some information on MA Endorsement M-0051-S-Use of Other Autos-Vehicles Furnished or Available For Regular Use Curious who should be buying this endorsement? Also, would it…
MAIA Privacy Notice
MAIA Privacy Notice MAIA and the Number One Insurance Agency take your privacy seriously. We are pleased to share our Privacy Notice with our members and customers for your review.
Vehicle with a 6 Inch Lift Kit
Vehicle with a 6 Inch Lift Kit QUESTION This question was answered based upon current rules, regulations & statutes in effect on March 7, 2019 I think I know most of the Registry questions but this is a new one. One of my clients went to get an inspection on his 2018 Ford F150 truck. …
Priority Bills for the 2019-2020 Legislative Session
Priority Bills for the 2019-2020 Legislative Session It has been a busy and productive start to the 2019-2020 Legislative Session. MAIA’s priority bills (listed below) were filed by our legislative allies, we worked to sign on cosponsors in support of our legislation, and all our bills have now been officially assigned to committee.
WCRIBMA Issues MA Employee Leasing Endorsement
WCRIBMA Issues MA Employee Leasing Endorsement The Massachusetts Workers’ Compensation Rating and Inspection Bureau (WCRIBMA) has issued Circular Letter No. 2346, dated March 15, 2019, and titled Massachusetts Employee Leasing Endorsement (WC 20 03 04 C). This endorsement has been updated to include a new field within the schedule section of the endorsement to list the…
MA Laws Regarding Cancellation
MA Laws Regarding Cancellation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 05, 2019 Can you send me the link to the Mass law regarding non-pay cancellations? We always enforce it here but clients are constantly saying “I’ve never heard of this”. I feel like I’ve Googled…
Garaging
Garaging QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can you have someone get back to me on this question. I have a Mom who is purchasing a car in her name and is going to have her daughter use it exclusively, who lives in…
Big “I” Agent Encourages Congress to Modernize and Reauthorize the NFIP
Big “I” Agent Encourages Congress to Modernize and Reauthorize the NFIP
BAP
BAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 07, 2019 Can the daughter of the owner of a Massachusetts commercial Lines Auto policy use his vehicle that is insured under the corporation while he is on vacation for the month?
Number One’s RLI Personal Umbrella Program
Number One’s RLI Personal Umbrella Program In case you didn’t hear, we are glad to share that the RLI Personal Umbrella is a solution to enhance your insureds involved with Short-Term Rentals. We see that many agents have reached out to their clients to make them aware of the new liability requirements and we are…
Chair of Big “I” Flood Task Force Testifies Before US House on March 13th
Chair of Big “I” Flood Task Force Testifies Before US House on March 13th Big “I” Flood Task Force Chair Chris Heidrick will be the only insurance witness testifying at a hearing titled, “Preparing for the Storm: Reauthorization of the National Flood Insurance Program” before the U.S. House of Representatives Financial Services Committee. The hearing…
Owner Retained Title
Owner Retained Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 25, 2019 Need your help. Insured’s vehicle was declared a total loss. She retained the car and fixed it. She did not apply for salvage/reconstructed title. What she applied for was an “owner retained title”. So I…
Carvana Internet Car Buying Service
Carvana Internet Car Buying Service QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 I was wondering if you had any information on Carvana Internet Car Buying Service. I have an insured purchasing a vehicle from them and I’m not quite sure of the procedure. I…
Workers’ Compensation
Workers’ Compensation QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 26, 2019 We have a Massachusetts client that delivers lumber and building materials to customers in the State of RI. The client has a MA Workers Compensation Policy. The employees all reside in MA and work from…
Military and MAP
Military and MAP QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 12, 2019 I have a question that our office is scratching their heads about today! Safety told me that if a person goes away into the Military that they are still a household member and need…
Elliot Whittier Insurance Group Renews Five Star Agency Designation
Elliot Whittier Insurance Group Renews Five Star Agency Designation The Massachusetts Association of Insurance Agents (MAIA), is proud to announce that Elliot Whittier Insurance of Danvers and Winthrop has renewed their Five Star Agency Designation. They have been a Five Star Agency since 2015 and continue to demonstrate excellence in the five imperatives associated with…
Berkshire Hathaway’s New THREE Policy: An Inferior Product?
Berkshire Hathaway’s New THREE Policy: An Inferior Product? In this IA Magazine article, author Chris Boggs of the Big “I” Virtual University calls Berkshire Hathaway’s recently announced THREE policy “a dangerous attempt to simplify multiple insurance contracts for small business owners.”
State of Emergency and Auto
State of Emergency and Auto QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 Ready for this one? I have an insured who is obviously retired and has nothing better to do with his time! He called today asking that, since the President has declared a…
MA FAIR Plan Updates Producers’ Web Options
MA FAIR Plan Updates Producers’ Web Options Recent updates to the Massachusetts Property Insurance Underwriting Association (MPIUA), a.k.a. the MA FAIR Plan Producers Portal have given agency producers some convenient new online functions, including the ability to:
GrubHub
GrubHub QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 We have a client who wants to drive for GrubHub. He is an individual with a private passenger vehicle, commercial plates. Commercial Lines says it is not a commercial risk as it is an individual with…
Trailer
Trailer QUESTION This question was answered based upon current rules, regulations & statutes in effect on February 15, 2019 I have a customer who purchased a 2018 Jayco trailer. She told me that she uses her mom’s SUV to pull the Jayco since she has a Dodge Charger. Do you know if there was a…
IA Magazine Wants to Interview Rock-Star Young Agents
IA Magazine Wants to Interview Rock-Star Young Agents The annual “Next Gen” issue of IA Magazine is coming out in July, and the IA editors are looking for young agents with great stories to tell. If you are (or know) a Millennial or Gen Z agent who’s rocking it, send their name and contact info…
PUP
PUP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 Good morning! When an insured uses a commercial vehicle for personal use and has a personal umbrella, how to we make sure they have coverage without gaps? Do we need to include both the M0051S Use…
Declining to Write With MAIP
Declining to Write With MAIP QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 17, 2019 I was told by someone that works for another agency that they do not write insurance with MAIP. If none of their carriers will offer coverage, they turn the person away. Can…
CAR News – Recent Bulletins – February 2019
CAR News – Recent Bulletins – February 2019 Commonwealth Automobile Reinsurers (CAR) recently released the following Bulletins:
Updated Company Auto Insurance Filings – February 2019
Updated Company Auto Insurance Filings – February 2019
Garaging Change
Garaging Change QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 I understand if you change your address the garaging gets changed for a personal plate. I know the commercial accounts they fax into the IRS the address change also. But does it also change for…
Number One’s WC Coverage for Your Auto Service Customers
Number One’s WC Coverage for Your Auto Service Customers Number One’s Workers’ Comp (WC) Program is one of our most popular “niche” markets and we assist many members with a variety of business types. We are excited to share that our WC markets can provide coverage for auto service customers, including certain repair services, tire retailers,…
Rental as a Substitute Vehicle
Rental as a Substitute Vehicle QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 24, 2019 We all know the “gaps” in how our policy will follow us while we are renting a car while on vacation. Does your own policy follow you any “differently” if you are…
Tech Talk: Yes …We Do Have a Few Laws in This State
Tech Talk: Yes …We Do Have a Few Laws in This State By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW — VP of Technical Affairs, MAIA I still get these questions, so I guess it’s time to “resurrect” and discuss some older-but-still-current information on today’s topic: Can a bank DEMAND that my client carry “guaranteed replacement…
Bobcat
Bobcat QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 18, 2019 Can a Bobcat be registered?
Out-of-State Title
Out-of-State Title QUESTION This question was answered based upon current rules, regulations & statutes in effect on January 22, 2019 I have a title from Florida that shows the owners as the husband OR the wife The husband is deceased Do I still have to fill out the back of the title with the wife…