When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

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When it comes to insurance coverage, there are blind spots customers need to watch out for. After all, who could have anticipated an earthquake in the Northeast? How many people are aware that their driving data can be...

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On Friday, May 10, 2024, millions of people worldwide witnessed colorful aurorae in both hemispheres. These intense aurorae were triggered by one of the strongest geomagnetic storms measured in over 20 years. The...

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Telematics is an emerging underwriting tool in the auto insurance industry, bringing a blend of technology and data analysis to create more personalized insurance policies. If you've ever wondered how you can...

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Consumer-grade drones are invaluable for the insurance industry, particularly for examining roof damage. These flying gadgets make inspecting hard-to-reach places easy, streamlining the underwriting process....

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For many homeowners living in the Northeast, earthquake insurance coverage is probably one of the rarer insurance products that customers are seeking. When you think about weather in the Northeast, you typically...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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As the weather shifts into spring, and you start thinking about your summer to-do lists, make sure you have the insurance coverages that will protect you and your property. Before you tackle any new projects, give our...

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Rodents-from squirrels to mice-can pose a threat to your house or car. By nesting near or in your home and car, rodents can damage your property over time. They can gnaw wires, insulation and anything else they can chew....

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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It seems like prices-including insurance premiums-continue to increase. Your knee-jerk reaction may be: Reduced coverage equals decreased costs. This is never the right solution. Instead, here is how to limit insurance...

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Melting snow and spring rains can cause flooding-even in areas that aren’t prone to flooding. Remember, even if you live in a “1-in-a-100-years” flood zone, this could be the year. You need to know: A standard...

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As humans age, they reset the bar on what it is to be young. We hear phrases like: “40 is the new 30,” or “60 is the new 50.” These phrases suggest that despite advancing age, post-40 humans remain as alive and vibrant...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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We assume all our possessions will be covered if we lose them or if they are damaged, but do you know how your insurance policy will truly respond-or even which one will respond when it is needed? Sometimes you need...

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Renters insurance provides an essential safety net for tenants, offering protection against unforeseen events such as theft, fire, natural disasters, or lawsuits! While obtaining a renters insurance policy is paramount,...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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If you and your spouse are separating or getting a divorce, give our agency a call. We can help you sort through your insurance policies to get them updated to reflect your current status. Legally separating spouses...

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It’s natural to think about occasions when you may need insurance: Rear ended at a red light, sideswiped at an intersection, or backed into in a parking lot. In each of these scenarios, it is also natural to think of...

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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Home gyms and workout equipment have drastically increased in popularity over the past several years. This was especially pronounced during the COVID-19 lockdowns, which saw many commercial gyms close or go virtual. In...

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As companies look to grow, they frequently franchise their successful businesses. Franchises give budding entrepreneurs a way to become business owners without having to build from the ground up. But, while opening a...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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Professionals who design buildings and structures or offer professional advice to contractors have a special need for professional liability insurance. Architects and engineers (A&E) liability insurance covers...

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There are many good reasons to use artificial intelligence (AI) in agriculture, including increased efficiency, higher crop yields and a reduction in pesticide exposure. But are there risks and vulnerabilities inherent...

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Thieves are constantly devising new and sophisticated means of stealing cars. According to the National Insurance Crime Bureau (NICB), law enforcement received 932,329 stolen vehicle reports in 2021. This represents a 6%...

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Comic books can be valuable. In fact, they are one of the more popular collectibles. But unlike other collectibles, they can be extremely delicate and susceptible to damage, especially as they age. Comic book collectors...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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Whether you have a small business or a venture capital start-up, you need to identify what risks your company faces and what insurance coverage you need to protect your business and personal financial interests. While...

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A sole proprietorship is an unincorporated business owned by one person. Anyone can set up a sole proprietorship, making it one of the easiest and fastest ways to form a company. In fact, the Small Business...

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Summer is almost upon us. Are you thinking of purchasing a boat to take advantage of beautiful weather days on the water? After you’ve looked at the brochures and visited the boat shows, don’t forget to give our agency...

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Food delivery services like Uber Eats and Door Dash offer restaurants options for their delivery services. These services will provide the driver for these restaurants. Of course, those who are thinking about delivering...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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While most business owners understand the growing problem of cybersecurity failures, many small and midsize enterprises don’t have the resources to hire expert cyber risk teams. That said, companies must do something to...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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A diverse workplace can be many things, depending on the level of engagement you have with your employees. Use this calendar to choose events that will engage your employees, spark proactive dialogue or seed the...

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Wildlife is a pleasure to experience - but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and...

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Negligent entrustment is a type of liability that occurs when you allow (or entrust) an employee to use an item or a machine that could cause harm and that you know they aren’t qualified to operate. If they cause an...

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People travel with their pets all the time. Some animals are small enough or self-sufficient enough that they can ride in a crate or protective case with little to no attention. Depending on the distance, they may...

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It used to be that if you asked us if your homeowners insurance policy covered your property anywhere in the world, we could reply: “Yes. However, if your property is in another one of your residences, then coverage is...

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The Federal Trade Commission processed 2.8 million fraud reports- totaling more than $5.8 billion in losses in 2021. Identity theft occurs when an unauthorized person uses your personal identifying information (e.g.,...

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2018 Pew Research Center study cited that nearly 1-in-3 U.S. adults live with at least one adult roommate. Now that inflation and everyday costs are spiking, you may be in the market for a roommate to defray some of...

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For many drivers first purchasing auto insurance, the state minimums may seem appealing when trying to budget for car payments, insurance premiums and gas prices. Yet, even for drivers without assets to protect, it’s...

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People travel with their pets all the time. Some animals are small enough or self-sufficient enough that they can ride in a crate or protective case with little to no attention. Depending on the distance, they may...

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- Negligent entrustment is a type of liability that occurs when you allow (or entrust) an employee to use an item or a machine that could cause harm and that you know they aren’t qualified to operate. If they cause an...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Investing a lot of money in a luxury car requires careful consideration. Will the vehicle retain its value over time? Are other owners satisfied with it? How are the roads in your area? Will you be garaging the vehicle...

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A lot of condo owners assume that their association takes care of insurance, in addition to maintenance. But that's not entirely true, especially when it comes to your belongings and other items within your unit. What...

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First things first - make sure you're safe. Here are a few things to do after that (you may want to print out a copy of this checklist and store it in your glove compartment, just in case): Check on yourself and your...

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Use this checklist to get ahead of cold weather challenges and prepare your home for the seasonal changes ahead. Plant bulbs for springtime flowers.Cover and/or store outdoor furniture.Winterize summer lawn equipment...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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Bad guys dumpster dive for information they can use or sell. Even if you’ve got excellent cyber hygiene, you won’t be protected from physical data theft unless you take steps to secure your trash. Paper, computer drives,...

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You’ve spent weeks preparing for Halloween. Pumpkins are carved. Bowls of candy sit near the front door. Costumes are donned. But, is your homeowners insurance ready? Do you know the answers to the what-ifs? What if a...

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Vacant land has become an increasingly appealing investment, particularly in the age of social distancing and skyrocketing home and rent costs. If you’re looking to join the growing ranks of landowners, you should...

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You know the value of your homeowners insurance policy. It’s comforting to know that if your home is damaged, you can submit a claim and you will receive money to restore it to its original condition. Standard...

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Home electrical fires claim lives every year. Most are caused by incorrectly installed wiring or overloaded circuits or extension cords. In other words, most electrical fires are preventable. Fire deaths are highest in...

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According to the National Highway Traffic Safety Administration, car crashes caused by drowsy drivers happen because: 1. A driver falls asleep, and he or she runs off the road or into another car or object; 2. A drowsy...

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Are you offering your home on a home-sharing service? Most home-sharing and host services make renting out your house easy. They even offer $1 million in insurance coverage as part of their service. Like most people,...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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Connecticut has had its fair share of flooding from the Great New England Hurricane of 1938, to the floods of 1982-during which up to 16 inches of rain fell between June 4-7. The heaviest rains hit south central...

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Losing power for any length of time is inconvenient, but it can also be dangerous. You need a plan to get through the outage. Bottled water, nonperishable foods that don’t require cooking, extra propane or charcoal are...

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Did your fall to-do list get longer during a summer of vacations and events? Time to tackle it. Did you have any significant changes to your lifestyle this summer? Did you move or buy a new home? Or make an extensive...

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Homeowners Beware: Infestation and Animal Damage Exclusions - Wildlife is a pleasure to experience - but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with...

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What Is an Occurrence-Based Policy vs. a Claims-Made Policy? - A liability insurance policy helps pay for expenses related to a loss suffered by another person or business that occurred on your property or because of...

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Having Water in an Emergency - In the event of an emergency, having an ample supply of clean water is the top priority, according to the Federal Emergency Management Agency. A normally active person needs to drink at...

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Hazards in Your Home Storage Areas - Many American families have an accumulation of stuff in their homes: gasoline cans, spare oil, half-containers of antifreeze, fertilizer, yard pesticides and other materials all...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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www.therussellagency.com Does Your Home Need Flood Insurance? - Flooding is the most common and costly natural disaster in the U.S., so you aren’t alone facing this challenge. Many homeowners live in flood prone areas....

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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During hurricane season-which runs from June 1-Nov. 30-flood insurance is essential. Even low-to-moderate flood-risk zones are susceptible to flooding. 10 facts about hurricanes and flood insurance: 1. Hurricanes don’t...

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When motorists have exceptional driving skills (i.e., they drive safely), they may be able to get their auto insurance rates assessed based on how they drive. This kind of auto insurance is called usage-based insurance-...

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Did you install a pool in your backyard and decide to host a summer barbecue? Before inviting people over, doublecheck that you have the right insurance coverage. In-ground and above-ground pools Pools-whether in-ground...

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When times get hard, we don’t let you down. We know how drastically the COVID-19 pandemic affected your day-to-day routine. Those affects still may be reverberating. Before, during and after-we keep our promise to be...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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With employees leaving jobs in record numbers over the past year, there has also been an increase in workers returning to their former employers. Because former employees are a known commodity and may have added new...

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Cryptocurrency is digital money that can be used and traded over the internet, usually without government control, central oversight, bank involvement or the need for conversion to another monetary unit. Bitcoin is the...

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Business income insurance, also known as business interruption insurance, is a type of coverage that replaces lost business revenue due to a covered loss or “peril.” The cause of the loss must be covered by the insured’...

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Unemployment compensation fundamentals - For private employers, unemployment benefits are provided under the state’s unemployment compensation system. Unemployment insurance (UI) is jointly financed through federal and...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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Dogs come in all shapes and sizes-the American Kennel Club has recognized a staggering 195 dog breeds. Despite that, all dogs-whether a chihuahua or a bull mastiff-come from the same species, and you may forget that...

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When it rains, it pours. And, you may need additional coverage that standard policies don’t offer. Commonly, these additional coverages are called umbrella policies. Many people don’t realize that they may need it-so...

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As a renter, there are responsibilities that you should consider that will help you protect your home. From theft and burglary to frozen pipes and snow (and all the things in between), here are some tips that you can...

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Choosing to work with an independent agent is the key that will ensure your insurance fits your unique needs. Working with us is no exception- we’re here for you, every step of the way. We aspire to offer optimal...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Cyber Insurance doesn't cover just businesses-individuals also could benefit from cyber coverage, outside of identity theft protection. We all are connected to the internet through our phones, tablets and computers...

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It might feel like cybersecurity risk is only for the big companies; after all, they’re the ones making headlines. But according to the Cybersecurity and Infrastructure Security Agency (CISA), there’s a ransomware...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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Annuities are investment products designed to offer the owner a steady income stream in the future. Some people buy an annuity when they receive a lump-sum payment from a legal settlement, an inheritance or an employer....

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Creating a detailed business inventory is nobody’s favorite task, but it’s an important one. In the wake of a theft, fire or natural disaster, it may be too late to reconstruct a full accounting of your assets - which...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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No one wants to pay more for car insurance, but the lowest price won’t always get you the coverage and protection you need. There are many things standard auto policies won’t cover, and after an accident isn’t the time...

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It’s important that you take some safety measures to protect your house while you are away on vacation. Before you leave: Phone a friend. Ask friends to stop by your property periodically while you’re away. They should...

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It’s best to avoid driving in winter weather conditions if we can. But, sometimes, we don’t have a choice. Follow these tips to maximize your safety when driving this winter: 1. Leave early. Allow yourself extra time to...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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Winter. That word-at least in the Northeast-immediately brings to mind the image of staring out a window, drinking hot chocolate, watching the snow over a winter wonderland. But, back in reality, who is responsible for...

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Creating a detailed business inventory is nobody's favorite task, but it's an important one. In the wake of a theft, fire or natural disaster, it may be too late to reconstruct a full accounting of your assets - which...

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Do you find the nuances of auto insurance a bit confusing? That’s okay, you’re not alone. Choosing the right coverage and limits can be daunting. You may simply opt for the minimum coverage required in your state and...

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This winter, we want you to know that, whether you are traveling for the holidays, or you’re at home shoveling your sidewalk, your independent agent is here for you. Whether you need to make a claim, or you just want to...

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Annuities are investment products designed to offer the owner a steady income stream in the future. Some people buy an annuity when they receive a lump-sum payment from a legal settlement, an inheritance or an employer....

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Employee benefit staples like health insurance and qualified retirement plan contributions have long been a vital part of attracting and retaining employees. In addition to the valuable coverage they provide, these...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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At some point, everyone probably has hired, or considered hiring, an outside vendor for entertainment- whether it is a band, DJ or princess for a child’s birthday party. The internet has made finding such contractors...

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Amusement parks are some of the happiest places on Earth. They also are an insurance nightmare. At their core, amusement parks are just like any other businesses: They employ people and provide services-amusement-to...

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We want you to know that your independent insurance agent is here for you, just like always. We know that things are still challenging-and those challenges might still be coming. But, it’s important that you know you’re...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Insurance may seem boring to some- but we need it to protect our homes, cars, boats, property-and even our life and health. When we purchase insurance, we assume we’re protecting our livelihood from typical encounters-a...

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Did you know that your clothes dryer potentially could be a fire hazard to your home? It’s important to make sure that you aren’t accidentally putting your livelihood-including you, your family and your pets-at risk....

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In person and remotely, independent agents provide unique and personal experiences for insureds every day. It’s important to us that you know how important you are. We want to protect you and show you how your insurance...

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Marriage is a union of two individuals. It serves as an expression of love and devotion. However, marriage also is a legal contract that binds the individuals together under the law. Whether talking about love or the...

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There are certain things that you may purchase once and never think about again-pet rocks, parachute pants, Troll dolls and bedazzled anything. However, your insurance policies shouldn’t be something that you buy and...

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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The National Flood Insurance Program makes flood insurance available to homeowners. Mortgage lenders require many homeowners to purchase the flood coverage. Even if you are not required to purchase flood coverage, it...

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Annuities are investment products designed to offer the owner a steady income stream in the future. Some people buy an annuity when they receive a lump-sum payment from a legal settlement, an inheritance or an employer....

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Any time is great for grilling-but is your food safe to eat? Be sure to follow these tips this summer to ensure that you, your family and friends stay safe. Shopping for food When you buy groceries at the store, wait...

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If you plan to rent out your home, you should check that you have certainty of coverage to protect yourself and the property. Homeowners policies are not intended to cover business or commercial use of your home, which...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Melting snow and spring rains mean that there can be a lot of water accumulating, which can cause flooding-even in areas that haven’t been prone to flood in the past. Remember, even if you live in a “1-in-a-500-years”...

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When times get hard, we won’t let you down. We realize that the COVID-19 pandemic has changed your day-to-day life drastically. We want you to know that not everything has changed. We are-and always will be-right here...

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Spring is a great reminder to review your insurance policies and consider adjusting them to your current needs. When you adjust your policies, you can trim costs and ensure that you are covered in the event of a claim....

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It’s important to invest in a home security system to protect yourself, your family, your pets and your valuables from an intruder. But, myriad homeowners do not own a home security system, and for various reasons. Here...

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Your children probably will need to get an auto policy in their name if a vehicle is titled in their name. You always want the owner as the named insured so that insurable interest is certain when a claim is made for...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Hawaii and Minnesota are just two of the states moving toward poison-free landscaping - from training on how to steam-kill weeds to legislation preventing the use of insecticides. Lawn-care professionals and landscapers...

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Accidents, claims, tickets and violations can all cause your insurance rates to rise. Whether an accident causes a rate increase really depends on the nature of the accident, the coverage you have, the insurer and the...

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As the United States population ages and retirement becomes a non-option for more and more of those in the workforce, age discrimination has become a real liability concern for every business. Twenty-three percent of...

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Without workers’ compensation coverage, the price of an employee injured on the job can be devastating to your business. Also, if your business is supposed to have coverage and doesn’t, the penalties can be severe....

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According to the United States Geological Survey (USGS), 42 states have some degree of earthquake risk - with 43 percent of those states having high or very high frequency of earthquakes. If your business is located in...

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Isn’t it funny how, as our homes get bigger and our families get smaller, our need for extra storage space grows? According to 2019 U.S. census data, the average number of people in an American household fell steadily...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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When the weather gets warmer, laying mulch in your yard is often a priority. But as you get ready to conquer this task, a neighbour tells you she spread mulch on her property and struggled with a terrible carpenter ant...

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Ransomware is a kind of malicious software that blocks or restricts your access to your computer systems and data until you pay a fee to the attacker. If you refuse to pay or can’t find a way to fix the problem, your...

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Did you know that if you’re driving and engaging in a conversation on your mobile device, you are over four times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving, what...

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Balancing the demands of your home life and your work life – not to mention your personal needs – is an ongoing challenge for the majority of Americans. The good news is, it’s possible if you take very intentional...

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If you’re one of the millions of foreign nationals who visit the United States every year, you may want to be able to drive while you’re here. International students, foreign visitors and non-U.S. residents are all...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Did you know that if you’re driving and engaging in a conversation on your mobile device, you are over four times more likely to be involved in an accident? Let’s take a look at what constitutes distracted driving, what...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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We realize that the COVID-19 pandemic has changed your business drastically. We want you to know that not everything has changed. We are and always will be right here for you to guide you when things get hard. Let’s...

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Once upon a time, the air bag was the pinnacle of car safety. Today, new cars feature advanced driver-assistance systems, which allow the car to apply the brakes before a collision, to steer around obstacles or to alert...

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Electrical fires are one of the most common causes of structure fires. It’s important to be prepared. Follow these tips to prevent an electrical fire in your home, and to diffuse the fire if one breaks out: Make sure...

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If you have a roommate, you may be a student, a young professional, or just plain trying to save money. Some people have close friendships with their roommates, while others keep their relationships simple: just...

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We all hope that the next storm to hit the Nutmeg State will not damage our property, but its best to prepare by reviewing your homeowners insurance policy before you need to file a claim. Coverages you may assume are...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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If you’re thinking about hosting a holiday party this year, be sure to add safety and common sense to your list. According to the Insurance Information Institute, social host liability-the legal term for the criminal...

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Gov. Ned Lamont announced last week that he has signed an executive order, which increases the amount that businesses can be fined for violations of the state’s COVID-19 sector rules and capacity limits, to $10,000 per...

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As the holidays approach, information about getting insurance for holiday gifts is available from your professional, independent insurance agent at The Russell Agency. Homeowners and renters insurance can be designed to...

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You might feel apprehensive about returning to work at the office. Understandably, you’re concerned about your health, and the health & safety of your fellow employees. What if you all go back to work only to face...

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Is working from home working for you? Here are some tips to make sure you’re meeting your goals, performing effectively and staying sane in the COVID world. At first, working from home seemed great. You can stay in your...

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Too many Americans rely on emergency rooms as thieir primary source of medical care. According to the Journal of the American Medical Association, visits to the ER rose by 2.3 million a year between 2006 and 2016. This...

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With a TrustedPals plan, you’ll get up to 100% back on vet bills, the full attention of our Pet Advisors (humans as dedicated as your own), and you can even pick your own vet. So you get on with having fun – without...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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What is a “credit score”? Your “credit score” (i.e., the number you can obtain from any one of the three major credit bureaus-Equifax, Experian, and TransUnion) is a number that tells financial institutions like banks...

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Going on a cross-country trip is fun and exciting, especially if you’re doing it in an RV. You’ll see different areas of the country and have complete control of your schedule. Before you pile into your RV, though, pack...

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As the holidays approach, information about getting insurance for holiday gifts is available from your professional, independent insurance agent. Homeowners and renters insurance can be designed to include sufficient...

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Fire is a common disaster that can befall any homeowner or apartment dweller. Those who live in a high-rise building, whether in an apartment, co-op or condominium, have unique concerns requiring special precautions....

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Amid the ongoing COVID-19 pandemic, businesses have fallen prey to scammers who are exploiting public fears by claiming to have legitimate information about the coronavirus. Here are a few ways scammers are taking...

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The day will come when your kids will need to buy their own car insurance, renters or homeowners insurance, health insurance, or even business insurance. You can help prepare them by teaching them the importance of...

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When times get hard, we won’t let you down. We realize that the COVID-19 pandemic has changed your day-to-day life drastically. We want you to know that not everything has changed. We are and always will be right here...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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Your damaged car looks repairable, but instead, the insurance company has informed you that it will pay you the value of the car before the accident and keep your car as salvage. Maybe that’s what you wanted, or maybe...

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The Insurance Institute for Highway Safety reports teens have the highest crash rate of any group in the U.S. Also, young licensed drivers, ages 16 to 24, account for the highest fatality rates. Alarmed by the high...

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The Federal Trade Commission estimates millions of Americans have their identities stolen every year. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name,...

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What is a certificate of insurance? A certificate of insurance is any document that summarizes the terms, conditions and duration of an insurance contract, but it is not the contract itself. The certificate shows what...

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On Sept. 16, 1997, the Volunteer Protection Act of 1997 became effective. Concerned that volunteers have been deterred from offering their services to nonprofit organizations because of liability concerns, Congress went...

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What do I do at the scene of the accident? If you’re involved in a motor vehicle accident, the first thing you should do is contact the police. If anyone is injured, give details to the police, then give the victims...

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What’s the purpose of life insurance? Life insurance usually is purchased by individuals to guarantee a specific sum of money to a designated beneficiary upon the death of the insured, or to the insured if he or she...

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According to various studies on American divorce rates, more than 40 percent of marriages end in divorce or annulments. If you and your spouse are going through a similar circumstance, we would like to share with you...

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Halloween may be the spookiest night of the year, but it’s important that you follow some important tips to protect yourself from any homeowners insurance gaps that might leave you screaming. 1. The most common...

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Public Act No. 14-74 was signed by Gov. Dannel Malloy on June 3, 2014, and went into effect on Oct. 1, 2014. The law prohibits certain requests that have become prevalent in recent years that created inaccurate or...

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Connecticut state law requires most employees in the state to complete sexual harassment prevention training. Employees must take a mandatory training course by Thursday, Oct. 1, 2020, in order to comply with the new...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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The Connecticut Legislature extended Gov. Lamont’s emergency powers until Tuesday, Feb. 9, 2021, which will help the governor protect the state during the COVID-19 pandemic. According to Lamont, “The extension will...

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Gov. Ned Lamont reminded Connecticut residents that the state minimum wage increased from $11 per hour to $12, effective yesterday. The raise is a result of a law signed on May 28, 2019. Public Act 19-4 requires the...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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Even during challenging times, we are here for you.We know things are hard right now. And, while COVID-19 may be affecting all aspects of everyday life, we hope you realize that some things haven’t changed-our agency is...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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When the weather gets hot, sunny and humid, it’s always refreshing to take a dip in the pool. Swimming can be a fun, relaxing way to spend your summer days with family and friends-but it’s important that everyone is...

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Travel is a popular summer pastime-it’s a time when we see many recreational vehicles and motorhomes on the road. If you are one of the some 10 million people who own an RV or motorhome in the U.S.-or if you are...

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During hurricane season, coastal residents should make it a priority to be prepared for anything. Hurricanes are serious storms that can devastate acres of land- taking wildlife and homes along with it. Many who live...

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On June 30 , a few hours before the Paycheck Protection Program (PPP) expired, the U.S. Senate passed by unanimous consent a bill to extend the deadline for businesses to apply for coronavirus PPP aid until August 8th....

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When operating a boat, you need to make sure you take necessary steps to keep yourself, your passengers and others safe. Connecticut implements laws and regulations that aid boat operators to take these steps. First,...

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2020 is predicted to be an active hurricane season. Don’t be caught unprepared! These steps will help you minimize hurricane damage and get back on your feet if you are struck. Just as hurricanes come in many shapes and...

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Would flood insurance cover seepage of water into my basement? It would in certain circumstances. An NFIP policy covers the “unusual and rapid accumulation or runoff of surface waters....” So, if there is no surface...

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Is my home insured for damage that may result from flooding caused by a hurricane or other storm? Not necessarily. Generally, coverage provided by a standard homeowners policy does not include damage caused by flooding...

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Professional car thieves can break into a car and drive away in less than two minutes. This occurs every 40.9 seconds somewhere in the U.S. Auto theft costs Americans nearly $6 billion annually; and approximately 237.4...

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June 1 – Nov. 30 is hurricane season. And although the Northeast may not be quite the hurricane mecca that the Gulf coast is, hurricanes and windstorms are still a real threat to homeowners along the eastern seaboard. A...

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5 Things Homeowners Need to Know to Prepare for 2020’s Flood Season Flood season is upon us. According to the National Oceanic and Atmospheric Administration, this flood season promises to be a wet one, with 23 states...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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On June 3, the U.S. Senate passed H.R. 7010, the Paycheck Protection Program Flexibility Act, by unanimous consent. The bill extends the window for businesses to be able to spend the funds loaned under the program. The...

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Hurricanes are graded by the Saffir-Simpson Hurricane Scale as follows:Tropical storm-winds 39-73 mphCategory 1 hurricane-winds 74-95 mph (64-82 kt) No real damage to buildings. Damage to un-anchored mobile homes. Some...

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The Connecticut Legislature passed Public Act 12-62, which was signed into law in June 2012. According to the act, insurers are allowed to impose a hurricane deductible in the policy in lieu of an overall policy...

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Generally, how does my homeowners policy respond to storm damage to my property? Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft,...

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What is a household inventory and why do I need one? A household inventory could prove invaluable if you lost some or all of your household belongings in a fire, burglary or natural disaster. A household inventory is a...

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Who does the order apply to? The executive order applies to all insurers licensed or regulated by the Connecticut Insurance Department. What must insurers do? All insurers must give policyholders unable to pay their...

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Your property insurance covers many events that can cause damage to your property. Unfortunately, not every event is covered. Earthquakes, floods and power blackouts are examples of events typically excluded without...

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There is a common mistake employers across the U.S. are making that could cost them a lot of money: Misclassifying their employees as independent contractors. It’s easy to do, but the cost of doing so could be drastic....

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If you have collision coverage, your auto insurance policy will cover damage caused by hitting a pothole. Potholes can impair alignment, ruin shocks and struts, puncture tires, bend wheel rims and damage other parts...

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I always lock my doors when I leave my house. What else can I do to prevent a break-in? Make your home appear occupied. Timers are inexpensive and can be effective at fooling thieves. Use them to turn lamps and radios...

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Spring may be the time of year for cleaning out closets and drawers and organizing attics and cellars, but it also is a great time to clean up your insurance coverages. It is important to look at your insurance coverage...

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What is a household inventory and why do I need one? A household inventory could prove invaluable if you lost some or all of your household belongings in a fire, burglary or natural disaster. A household inventory is a...

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A new World Resources Institute report found that 147 million people will be hit by floods from rivers and coasts annually by 2030, compared with 72 million people just 10 years ago. Damages to urban property will soar...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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According to H. Jackson Brown Jr., “the best preparation for tomorrow is doing your best today.” At our agency, we strive to do our best to help you prepare for your tomorrow-especially if your tomorrow includes a...

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In 2017, nearly 11,000 people in the United States died in motor vehicle crashes involving an alcohol-impaired driver. The annual cost of alcohol-related crashes totals more than $44 billion. What can I do to help...

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June 1 – Nov. 30 is hurricane season. And although the Northeast may not be quite the hurricane mecca that the Gulf coast is, hurricanes and windstorms are still a real threat to homeowners along the eastern seaboard. A...

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It applies to all commercial-lines policies. C.G.S. Section 38a-326 provides that insurers shall provide, upon request of the principal named insured, a summary of policy claim information for a period of up to four...

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In order to write a policy with the appropriate Coverage A limit, you must know what the association and unit owners are responsible for insuring. Most Connecticut associations are following the statutory default, which...

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Today, by voice vote, the U.S. Senate passed legislation to provide over $300 billion more for the Paycheck Protection Program (PPP), which was created by the CARES Act. Last week, PIA National worked with a broad cross-...

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An atmospheric scientist at Colorado State University, Dr. Phil Klotzbach, has issued an early forecast of 16 named storms, eight hurricanes and four major hurricanes for the year 2020. He predicts an above average...

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The Centers for Disease Control and Prevention (CDC) is responding to an outbreak of respiratory disease caused by a novel (new) coronavirus that was first detected in China and which has now been detected in many...

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The objective of the Community Rating System (CRS) is to recognize communities that are doing more than meeting the minimum NFIP requirements to help their citizens prevent or reduce flood losses. The CRS also provides...

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Connecticut Insurance Department Commissioner Andrew N. Mais called on insurers to lower auto premiums and adjust commercial hired and non-owned auto insurance in response to the disruption that the COVID-19 pandemic...

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If your car was hit and damaged by a bicyclist to which policy-household auto or homeowners-should you look to recover for the damage caused by the bicyclist’s negligence? The bicyclist’s homeowners policy. The personal...

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The Employee Retirement Income Security Act of 1974 establishes specific duties and standards for discretionary and nondiscretionary activities in the management of employee benefits plans. Liabilities incurred by...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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Gov. Ned Lamont’s Economics Chief David Lehman announced the immediate roll-out of the Connecticut Recovery Bridge Loan Program, which will allow Connecticut small businesses hit the COVID-19 crisis to borrow up to $75,...

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April 2, 2020 Executive order requires 60-day grace period for policyholders unable to pay premiums due to COVID-19 pandemic - As part of Executive Order No. 7S, no insurer may lapse, terminate or otherwise cancel a...

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Gov. Ned Lamont announced that there will be a 60-day grace period for property/casualty, and health insurance policyholders unable to pay their premiums due to the impact of COVID-19. During the grace period, insurance...

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Small businesses and sole proprietorships can apply for Small Business Administration loans under the Paycheck Protection Program beginning Friday, April 3, 2020, through existing Small Business Administration lenders....

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The Standard Flood Insurance Policy (SFIP) provides that the term of the policy commences on its inception date and ends on its expiration date. To avoid a lapse or reduction in coverage, a National Flood Insurance...

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When it comes to protecting the things that matter most to you-your home, your jewelry, your life-it’s important that you consider what types of insurance will cover you best, and you need to know ahead of time the...

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The answer is flooding. If your home sustained damage due to a flood, would you have coverage? You might be thinking-of course I would have coverage. I have a homeowners policy. You aren’t alone in thinking that, but...

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Renting out your house to others can be lucrative. Millions of people take advantage of various house/apartment sharing services (e.g., Airbnb, HomeAway, FlipKey or MIMDU) each year. These companies match hosts who...

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Are you interested in learning what a term life insurance policy might cost for yourself or a loved one? If so, stop by The Russell Agency home page and click on our new term life quoting tool. You will have your answer...

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The State of Connecticut Department of Insurance has an information page on the coronavirus and insurance. You can access the page by clicking here.If you have any questions, please call our office.

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Jewelry is a popular gift for engagements, anniversaries, birthdays, Christmas and Valentine’s Day. It’s one of the most meaningful gifts-and the most valuable-that someone might receive. It’s imperative that these...

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People may put a significant amount of effort into adequately insuring their personal vehicles, but they frequently make quick assumptions about coverage for rented or hired vehicles. However, it is important to confirm...

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For business interruption insurance coverage to be triggered, the insured property must suffer physical damage by a covered cause of loss. Unfortunately, a virus is not a covered cause of loss. When a cause of loss is...

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There has been an increase in concern about the spreading coronavirus COVID-19. Businesses should consider implementing safeguards to reduce exposure to illness. Steps should include but are not limited to: - Encourage...

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The National Flood Insurance Program offers three Standard Flood Insurance Policy forms. These forms provide policyholders with a description of their coverage and other important coverage information. Dwelling Policy...

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Transportation Network Companies, like Uber and Lyft, have really taken off over the last few years. People are providing transportation to others with their autos using a cell phone application to connect. While this...

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A home is a very valuable asset and proper maintenance is a key factor in the retention and growth of a home's value. This factor is one reason why it is important for homeowners to hire highly qualified contractors...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Generally, how does my homeowners policy respond to storm damage to my property? Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft,...

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Under Connecticut law, employers with three or more employees must provide two hours of sexual harassment prevention training and education every 10 years. Any new hires must complete this training within six months of...

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Bipartisan legislation, the Repeated Flooded Communities Preparation Act,was introduced in the House of Representatives last week in an attempt to address repetitive loss properties covered by the National Flood...

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In 2017, nearly 11,000 people in the United States died in motor vehicle crashes involving an alcohol-impaired driver. The annual cost of alcohol-related crashes totals more than $44 billion. What can I do to help...

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Some of our customers have been prompted by TV commercials or mass-mail advertisements to consider switching their automobile insurance. Before saying “yes” to one of these proposals, we hope you will consider the...

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Fire extinguishers are classified by the type of fire that they will extinguish. There are five different fire extinguishers classifications. If the proper fire extinguisher class is not used there is a risk that the...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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You are a target for identity theft. And once your identity has been stolen, it's hard to get it back in order. From prevention to restoration, our Identity Theft Protection Program has you covered. Provided free of...

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When protecting your credit there are many things to consider. You could become a victim of theft in many places including the grocery store, mall, or a parking lot. New chips have come out claiming to better protect...

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A Reservation of Rights Letter is notification from your insurance company that coverage for a claim may not apply. The notification allows the insurance company to continue to investigate a claim in order to determine...

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Gov. Ned Lamont recently announced that he has signed two executive orders that will address health-care costs, primary care spending, and quality of care for individuals, businesses and state government. The orders...

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The U.S. Department of Agriculture (USDA) announced on Dec. 23 that hemp farmers in 21 states will be eligible for a new crop insurance pilot program starting in 2020. The program provides actual production history...

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Preparing for a vacation requires a long checklist: Pack your bags (check!); stop the mail (check!); bring your pets to the kennel (check!); ask a neighbor to keep an eye on your house (check!) and turn off your water!...

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Everyone has heard a friend recount a nightmarish story about an 800-number insurance company they thought they’d save money with for 15 minutes of their time ... Only to find out that they were never told what their...

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Getting organized and ready for spring feels great. We’ve got some suggestions for you to think about when you’re spring cleaning: 1.) Tune up your auto policy.Everyone makes sure auto insurance "fits" when they first...

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Staying informed and up-to-date on your insurance company’s insurance policies isn’t just smart, it also can save you money and give you peace of mind. If you haven’t reviewed your coverage in a while, you might be...

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When it comes to staying safe-in your car, when you are traveling, in your home-it’s important to consider one of the most important tools that will make you feel safe and secure: insurance. Sure, you can stay safe by...

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The Federal Trade Commission processed 1.4 million fraud reports-totaling $1.48 billion in losses-in 2018. Identity theft occurs when an unauthorized person uses your personal identifying information, such as your name,...

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During a fire, it’s important to follow your emergency action plan and ensure that you and your family are safe. After a fire, it’s equally important that you take care of your home-but maybe not in the way you might...

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Effective Oct. 1, 2019, legalized electric scooters, electric bicycles and electric tricycles became legal in Connecticut. The law allows these vehicles-as long as they do not exceed 20 miles per hour and are not...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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Wouldn’t it be nice to buy a homeowners policy that would guarantee replacement of your home in the event of a loss without any conditions? That concept may be appealing, but it’s not realistic. In order to charge the...

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An article in the Washington Post took a look at U.S. Census data and noted the number of licensed drivers over the age of 65 increased 29 percent from 2003 to 2013. In fact, the article said, older drivers have...

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You know it is forbidden, but sometimes it’s so hard to resist. You hear that chime from your pocket or the cup holder and you want to look. You know you shouldn’t but what if it’s something important, like breaking...

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My house is filled with expensive gifts waiting to be opened. If my home is burglarized, damaged or destroyed, are all these gifts covered under my homeowners policy? It depends on the particular gift. Many homeowners...

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Now is the time to prepare to ensure we have a safe winter. Here are a few things to keep in mind to help minimize loss during the colder months: • Your fireplace hasn’t been used in a year. Before you start your first...

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WASHINGTON – The U.S. Senate has followed the House in passing a federal government funding package (H.R. 1865) that includes three of the top policy priorities of the National Association of Professional Insurance...

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Is your car covered if someone else is driving? The comprehensive and collision sections of your auto-insurance policy are attached to your car, so most insurance policies with comprehensive coverage will cover your...

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The National Association of Insurance Commissioners (NAIC) says private flood insurers reported direct written premium of $644 million in 2018, up 9 percent from 2017 direct written premiums and up 71 percent since 2016....

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Few thoughts kindle feelings of nostalgia quite as readily as memories of sledding: the wind in your face as you tear down a hill-joy and mild panic playing Pong inside your head-followed by the long trudge back to the...

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The wind and snow of winter storms can lead to all kinds of problems for homeowners with tree limbs falling, power outages leading to frozen pipes and ice leading to slips and falls. After the storm clears, however,...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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In the wake of recent floods that have devastated homes and communities across the nation, many Americans remain without flood insurance coverage. Even if you think your property is not at risk, take a moment to...

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As we settle into the winter months, what can be cozier than enjoying some time in front of a gently burning fire? According to the U.S. Fire Administration, more than one-third of Americans use fireplaces, wood stoves...

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You’ve heard this before: If it looks too good to be true, it’s likely not true. This maxim is particularly applicable when it involves auto insurance. Sometimes, an insurer will give an applicant an amazing premium...

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Millions of people use house/ apartment share services like Airbnb, every year. These services match hosts who are looking to rent their dwelling or room for a short period of time with guests. The majority of the...

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Lawsuits happen every day. Some are frivolous, while others warrant merit. If you were sued, would you have enough money to cover your attorney’s fees and possible settlements? Most homeowners and automobile policies...

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While backing up, you run into the garage door you just installed. Should you submit the claim to your auto or homeowners insurance carrier? Because you own the garage, damage to the door will not be covered by your...

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In order to write a policy with the appropriate Coverage A limit, you must know what the association and unit owners are responsible for insuring. Most Connecticut associations are following the statutory default, which...

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Have you ever gone through a major change in your life and immediately thought about how it could affect your insurance policies? If you answered no, then you're just like most other people. That's what we're here to...

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Here are some things to keep in mind before and after the big move. First, you should be concerned about the things you are moving. You want to protect your stuff-whether you rent or own-so you should have an insurance...

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Did you know that road rage incidents are considered intentional acts and are excluded in the personal auto policy? This is because damage to a vehicle from road rage isn’t actually caused by an accident; rather, it’s...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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We think you are going to like some of the new coverages that are making way into personal auto insurance policies in Connecticut. At last, the insurance industry is placing some value on your cats and dogs when they...

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Certainly, some people are nervous driving around trucks on the road. But if you know how to drive safely around trucks, it might ease your nerves a bit. No. 1: Never pass on the right, and pass quickly. When passing a...

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