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.

Selecting classes, buying books, and choosing a meal plan are just some of the steps students take to get ready for college. Parents, on the other hand, are worrying about how to pay for school, the safety of their child while away, and maybe even beginning to experience a little bit of empty nest syndrome. With all that hustle and bustle, making sure your child has adequate insurance coverage when going away to college can be easily forgotten.