The leaves are changing colors, the air is becoming crisp, and the sky is getting darker earlier. You know what that means … snow is on the way. While this thought may make many New Englanders cringe, if you make money by snow plowing, you may actually be looking forward to it. But are you actually ready?

Do you hire any vehicles to perform work for your company? Do your employees ever use their personal cars to conduct company business? If so, you may have gaps in your insurance coverage.

Running a business involves a lot of moving parts. One of those parts (which is actually quite literally moving) is your commercial vehicle(s).

Sometimes simply having insurance for your business isn’t enough. Being insured is of course the most effective way to ensure you are protected from various risks, but in certain situations, specifically when partnering with other businesses or hiring subcontractors, you need additional assurance that you’re protected.

Two years ago I was on my way to work and stopped at a red light. The truck in front of me went to far out and started to back up. I honked on my horn, but they didn’t stop. He backed up right into me. The truck had no damage but my front end had taken quite the beating. Thankfully nobody was injured and my car was driveable.

Picture this: You have a week off from work. You’re getting out of Massachusetts and going on a road trip. You’re cruising down the highway. The wind is blowing through your hair, your favorite playlist is playing, the kids are miraculously behaving in the back seat.