News and Bulletins

6 Questions on Dependent Care Spending Accounts

School’s out! Summer is here, and it’s the time of year when working parents have questions about using their Dependent Care Spending Accounts (DCSAs). Are summer camp expenses eligible? What about day versus overnight camps? Employers and benefit advisors want to be ready with answers about this valuable benefit program.

Fourth Of July Safety

10 Ways to Keep You and Your Family Safe This Independence Day 

In New England, summer truly begins when the Fourth of July arrives. It’s a holiday full of fireworks and food, barbecues and boating, family and friends. It can also be full of danger — and we’re not only talking about the fireworks. 

Insurance Marketing Agencies is proud to accept the Worcester Business Journal’s Family Business Award.

IMA was nominated for the award and attended the ceremony last week to accept the award. The ceremony was held at the Cyprian Keyes Golf Club in Boylston on May 24th. The annual award is given to a local family owned business. IMA was nominated alongside other local insurance companies that are family owned and have employed multiple generations.

Yard Work Safety

Let's Keep Our Lawns - and Ourselves - Safe in New England.

 

For many of our neighbors in New England, summer means more than sunshine and vacations. It also means working in the yard - often with tools that can be dangerous if not used properly.

Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC). Don't let your landscaping efforts land you in the hospital! Follow these handy safety tips.

The Real Cost of Home Sharing

Rent-by-owner home sharing is an exciting new concept that has created a fast and convenient way to save money on lodging, while allowing homeowners to capitalize on their investment. At a glance, it seems like an enticing win-win exchange, but lately homeowners have been discovering that the convenience may come at a cost. While, in most cases, the homeowner’s experiences end up being uneventful, there have been several problematic situations over the past few years.  These have inspired insurance companies to remind their customers of the inherent risks and responsibilities involved with a 'shared economy' room rental service. It is for this, and many other reasons that we suggest you speak with your insurance agent before using your home as a lodging facility.

Insurance Tips for Young Adults

You keep your car filled up with gas so you don’t get stranded on the side of the road. And, your phone charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios?

Employee Photos on Social Media

Question: We would like to post photos of our employees on our social media sites. Are we required to obtain our current or former employee’s permission to use photos of them?

 

Answer: It depends. The issue at hand is an employee’s right to privacy. Generally, employees have a right to privacy in regard to their own image, voice, identity, etc., even if photos are taken at the workplace during working hours. 

Don’t Get Left Out in the Cold – Winter Isn’t Over Yet!

There is nothing quite like snow in New England. The landscape is powdered with flurries of snow and for a moment you can embrace the winter wonderland around you. Even though the snow provides a picturesque scenery, we come to grow tired of it fast because of all the chores that come with it!  If you live in New England, you know how unpredictable our weather patterns are. This means you must be ready at any given time, because you never know when a storm might hit.

Is your home as efficient as it could be?

Drafty windows. Leaky faucets. Dirty air filters.

 

All are common issues and they’re not only annoying — they also cost you money in decreased energy efficiency and higher utility bills.

Teamwork Makes the Dream Work. How Realtors Can Work with Insurance Brokers to Win Customers.

When people are looking for a home, they do not think about the insurance they need for the home until the last minute. While this may seem reasonable, what if you look passed a home that you could have gotten a better customized insurance policy and thus a better monthly payment? This deal will not only help the real estate agent, it helps the buyer as well.

Have you taken your company’s pulse lately?

An employee engagement survey can be a great tool to check the temperature of your culture. When done right, the survey can help you understand the needs of your employees, which in turn benefits productivity, job satisfaction, and supports employee retention. It is also an excellent tool to help you calibrate the quality of your leadership as well as your employee relations and talent management programs.

Car Accidents in Winter

It’s winter driving season in New England.  And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself - especially when it’s cold and snowy.

Insurance Marketing Agencies Launches Second Annual Clothing Drive To Support Straight Ahead Ministries

Worcester, MA (Nov. 25, 2016) - Insurance Marketing Agencies (IMA) is organizing a company clothing drive for the second year in a row to benefit Straight Ahead Ministries, an international organization headquartered in Worcester, dedicated to reducing recidivism among juvenile offenders

Giving During the Holidays Without Getting Taken

Every year during the holidays, people in New England look for ways to give gifts, not just to family and friends but to those less fortunate. It’s the spirit of the season.

Unfortunately, some of the charities out there don’t help people as fully as they claim – or possibly not at all.

Don't Let your Teen Driver Take You to Court

It is a bittersweet moment when the teen in your house gets their driver's license. They are excited for the extra freedom they will have, yet you are a nervous wreck every time you hear the car start. Fortunately, there is insurance to cover the costs if they ever get into an accident. Unfortunately, this situation is not as simple as just adding them to your policy. There are variables you should explore, and situations for you to consider, to ensure that you and your teen are fully protected.

Insurance is a Financial Factor for your Business

As business owners, we know that there are different aspects of running our companies that are part and parcel of owning a business.  From payroll, taxes and HR to customer service and product quality, these matters are the bulwark of any business.  However, you should strongly consider adding insurance to that list and placing it near the top.  Without insurance, all of these other elements are left unprotected and at risk.

Check for Storm Damage

When a big storm hits in New England, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying damage and protecting your home from further issues.

The FLSA Overtime Changes and Their Impact on Employee Benefits

Most employers should be reviewing payroll budgets and job descriptions to ensure that changes to salaries and job classifications are all in order by the December 1 deadline based on the new overtime exempt salary threshold and other final rule changes to the Fair Labor Standards Act (FLSA). Another area that will be impacted by these changes and needs review now is employee benefits.

October 12, 2016

Welcome Beth Pearson!

Worcester, MA – Insurance Marketing Agencies is proud to announce its newest employee, Beth Pearson. 

Fall Home Safety

Arriving along with the season of autumn is a host of safety hazards we didn’t have to think about over the summer, creating the need for a little extra vigilance.  As the temperatures drop and you settle in for the approaching cold spell, consider the following pointers for ensuring you and your family stay not just warm, but also safe!

Denim Day 2016

Worcester, MA (September 13, 2016) -  Insurance Marketing Agencies (IMA) will be participating in The American Cancer Society Denim Day on October 7th.  

Denim Day is a fundraiser created with one goal in mind: To finish the fight against breast cancer.  Participants who donate $5 or more to this cause are permitted to wear jeans to work in exchange. 

The Pros and Cons of Co-Signing Student Loans

It seemed like only yesterday our kids were starting kindergarten and now they are preparing to go off to college.  The costs of college today can be exorbitant and most students need to take out loans to cover the costs of tuition, fees and room and board.  

A Few Good Things to Know about Restaurant Insurance

As with any business, restaurant owners need to protect themselves with a comprehensive insurance policy. Restaurant policies are similar to other business policies in that they cover the restaurant’s property in case of basic perils like fire and theft but can also extend to disastrous perils, like floods and earthquakes.

The policy may also provide liability for losses that might happen on the premises such as a patron being injured or sickened.

Does the FLSA Final Rule Apply to All Overtime Exemptions?

Most of the attention with the recently-released Fair Labor Standards Act (FLSA) final rule for “white collar” overtime exemption focused on the change in the salary threshold for positions related to administrative, professional and executive exemptions.

But what about the other FLSA job categories, such as salespeople or computer professionals, to name a few? Does the new salary threshold apply to those groups as well?

Summers mean backyard grilling – safely!

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.
 

5 Keys to Data Protection Every Employer Should Know

The average corporate user has about 20 sets of login credentials—the usernames and passwords that we use to gain access to things like email, document repositories, social media accounts, instant messaging tools and other corporate systems. Plus, we have a number of login credentials for personal accounts of various types, as well.

When the party stops, make sure your business doesn’t.

Owning and operating a nightclub requires a lot of time and energy and to guard your investment and effort, business owners should make sure their insurance is adequate enough to protect them.

 

When it comes to protecting your business there are many pieces that must fit together in order to insure that you are fully covered.

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College Graduation Insurance Tips

College graduation is an exciting time for students and their parents alike.  And, while it’s easy to be immersed in graduation parties and focused on first-job jitters, it’s a time of major transitions and big decisions, and it’s essential to prepare graduates for what comes next.

If Your Business Shuts Down, You Will Be Covered

Comprehensive business coverage is just as important as any other type of insurance. Commercial property is just as susceptible to loss, damage, and theft as residential properties...

Spring has arrived and motorcyle riders have hit the road

As springtime approaches, you probably notice something in addition to the warmer weather and blooming flowers: more motorcycles on the roads of Massachusetts..

January 01, 2016

The Most Important Insurance Tips For a New Business Owner

Opening up a new business requires a lot of planning and strategizing.  Achieving the American dream and taking on the responsibility of being a business owner is an exciting, yet challenging journey.  Insurance is your business partner, saving you and your business in the event of unplanned accidents. Part of your business planning should include discussing what types of insurance you will need with your agent. Here are some of the important general insurance policies that you should look into upon becoming a business owner.

November 12, 2015

Worcester Insurance Agency Part of Joint Donation to Straight Ahead Ministries

Worcester, MA (Nov. 12, 2015) - Insurance Marketing Agencies (IMA) has teamed up with Arbella Insurance to donate $10,000 to Straight Ahead Ministries, an international organization headquartered in Worcester, dedicated to reducing recidivism among juvenile offenders. 

October 21, 2015

IMA has recently promoted two of our employees

Worcester business, Insurance Marketing Agencies (IMA), has recently promoted two of their employees.

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Insurance for the Small and Medium-sized Business Owner

 

The I's on Insurance: The Claim Game: Homeowners

 

The I's on Insurance: Life Insurance

 

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