Traveling Nomad
*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question We currently write an HO4 for an insured with MPIUA (due to claims). His legal residence is in Leominster, where he has some personal property. He also has some personal property in a storage unit in Leominster.…
Off Premises Power Loss and Resulting Power Surge
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question We have an insured that had a loss back in March from the last snow storm. A tree fell on a pole and caused a power surge to his house. The pole was off premise. Carrier is…
In-Law Apartment vs. Two-Family
*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question Hope all is well – we are having a lively discussion in our office and can’t agree, so I said I will ask MAIA, “What is the difference between a one-family with an in-law apartment and a…
Earth Movement Exclusion & Blasting Operations
*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question We had an interesting call last week from a prospect. The individual lives near a quarry where blasting takes place on a regular basis. If the blasting causes any damage to his home or pool, would it…
HO-3 Coverage
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Here’s a story and just trying to see if there is any chance of HO-3 coverage. Policyholders’ 9 yr old is visiting his 15 yr old cousin in Brockton (postage stamp lots). The older kid (that lives…
MA Fair Plan
*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question I hope you are well! We quoted some MPIUA homes last week, and today, two were rejected because they said we didn’t use the new RCT info from 2/24. Coverage A went up over $300K on one!…
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…
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…
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…
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…
PIP Procedures
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question I have had two clients in the past few months: They went with a third party on rear-end collisions. Both were determined to not be 0 % at fault – the third-party company accepted full liability Each…
Passenger Injury While In a TNC Vehicle
*This question was answered based on current rules, regulations & statutes in effect as of November 2023. Question We have an insured whose son doesn’t’ drive, so they use LYFT. Her question is, if they don’t have proper coverage and her son is injured, what do they need to do? The insured (parents of the…
Glass Coverage
*This question was answered based on current rules, regulations & statutes in effect as of October 2023. Question Do you know if MA Auto Carriers are required to offer full glass coverage under comprehensive coverage, or can they just offer glass coverage with a deductible? Answer Laura Poulin: According to MA’s cracked windshield law, insurers…
Rental Coverage
*This question was answered based on current rules, regulations & statutes in effect as of August 2023. Question Today, I had an underwriter tell me that the Mass Auto Policy (liability, collision, comp) does not extend to a rental vehicle. However, my understanding is that the coverage you carry on your Auto Policy will extend…
Special Mobility Equipment
*This question was answered based on current rules, regulations & statutes in effect as of July 2023. Question I saw today’s question and answer. In regard to employees who use their vehicle as part of their job – my thinking was that their vehicle didn’t need to be a class 30. It is not THEIR…