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WC for Uninsured Subs

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question Do you have anything I can show the Insured regarding the Workers Comp Audit we discussed on Friday? He hired a sub to do about $20K in work last year; the sub is also a carpenter and…

2024 March Homeowners’ Multi-Peril P&C Insurer List

This 2024 March Homeowners’ Multi-Peril P&C Insurer List is provided as a benefit of your membership with the Massachusetts Association of Insurance Agents (MAIA). MAIA Introduces Member-Only Massachusetts Homeowners’ Multi-Peril Insurer List The reason MAIA is providing you with this list is it lets you have speedy access to information on the Homeowners’ Multi-Peril Insurance…

2024 Annual Privacy Notice

Thank you for trusting MAIA and Number One Insurance Agency to protect you and your business! We are committed to protecting the confidentiality of your personal and company information, your staff, and your agency’s clients. Following the Gramm-Leach-Bliley Act, also known as the Financial Services Modernization Act, we ask that you review our annual communication…

GL Certificates

*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Looking to see if you can assist. Question about issuing GL certificates. I have an insured who is a roofer/carpenter. His GL policy excludes snow removal…he has requested that we send a certificate to a vendor for…

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…

Road Test Location Closures

February 27, 2024 Effective March 1, 2024, at the close of business, the following Class D Road Test locations will no longer be available for scheduling: Avon (Central Mass Safety Council Road Test Site) Framingham (Central Mass Safety Council Road Test Site) Holyoke (Department of Conservation and Recreation Fitzpatrick Arena Skating Rink) West Boylston (Central…

Search by Name added to Police Crash Report Request Transaction

February 26, 2024 A standard or certified copy of a motor vehicle police crash report can be requested by an Individual involved in the crash or a Permitted User under the Federal Driver Privacy Protection Act (DPPA). The online transaction to request a copy of a police crash report has been amended to include fields…

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…

Vermont Title Changes – Revised

February 20, 2024 On January 1, 2024, Vermont changed its title law to title all vehicles and trailers regardless of age. This was described in the training update titled “Rhode Island and Vermont Title Changes,” dated January 10. However, due to a statute change, Vermont only has rescinded their change and has reverted to the previous title…

2024 February P&C Insurer List

You are being provided this 2024 February Private Passenger Auto P&C Insurer List as a benefit of your membership with the Massachusetts Association of Insurance Agents (MAIA). MAIA Introduces Member-Only Massachusetts Private Passenger Auto Insurer List In 2024 the Massachusetts Association of Insurance Agents (MAIA) is expanding your member-only access to state-specific P&C industry data. …

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…

Updated Company Auto Filings – February 2024

February 12, 2024 MAIA periodically visits the Division of Insurance to collect the latest information about each company’s private passenger automobile insurance rules, rates, and forms filings. Recent changes and updates are presented here. Questions? Contact Kathy Cormier at 508-634-7353 or via email at [email protected].

Another Ridiculous COI Request…Involving the HO Policy, No Less!

February 12, 2024 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Consultant, Technical Affairs, MAIA I received an email from an agent regarding a client’s leased land and COI request. The insured owns a camp on leased land owned by the State of NH. The insured has liability extended to…

Revised Motor Vehicle Crash Operator Report

February 5, 2024 The Commonwealth of Massachusetts Motor Vehicle Crash Operator Report (form number CRASH102) has been revised. The areas in Section A where customers enter details of the route/roadway/address where a crash occurred have been renumbered to A6 and A7 to make this section, and the instructions on the first page, clearer. The revised version…

Named Non-Owner

*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question Hi there…are these 100% earned, short rate, or carrier specific? Thank you! Answer Irene Morrill: The CAR manual and the AIB manual discuss “short rate cancellation” of auto policies unless the insured requests cancellation within 30 days…

Registry Procedures Manual Update!

January 29, 2024 This online “flipbook” manual is a MUST for every agent who writes MA automobile insurance and deals with the Massachusetts Registry of Motor Vehicles! The Registry Procedures Manual (RPM) allows subscribers to utilize keyword searches to find what they need and is automatically updated regularly throughout the year. Check out what’s new HERE.…

AAA Road Test Locations

January 29, 2024 AAA Northeast, which expanded its partnership with the Registry of Motor Vehicles to offer road testing at certain AAA branches in the summer of 2023, will end road test services at AAA Worcester and AAA Rockland as of February 1, 2024. Read the full update here.  Questions? Contact Kathy Cormier at 508-634-7353…

Snow Removal Issues

January 29, 2024 Written By: Laura J. Poulin, Director of Curriculum and Technical Affairs, MAIA Plowing Snow as a side gig and some things to think about when Insureds consider this business venture… MASS. PERSONAL AUTO POLICY A snowplow or other detachable equipment does not automatically disqualify a risk from a Personal Auto Policy, but…