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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Consumer content
Cell phone safety—driving home the importance
A consumer flier developed to alert consumers about cell phone use. 2 pages
Do I need a separate insurance policy for my boat?
A consumer flyer answering some of the common questions regarding insurance exposures while boating and the applicable safety laws. 1 page
Certificates of insurance
Consumer-oriented flier that answers some of the commonly asked questions about certificates of insurance. 2 pages
Understanding surplus-lines policies in New Hampshire
A question-and-answer piece that outlines what to expect when dealing with surplus-lines policies in New Hampshire. 2 pages
New Hampshire ride hailing: Income Lyft or Uber dangerous?
A comprehensive question-and-answer piece that addresses the common questions about ride-hailing exposures. 1 page
What you need to know about New Jersey’s new motorized bicycle law
A comprehensive Q&A piece that outlines the new requirements for motorized bicycles. 2 pages
Attention contractors: Worker safety and health do affect our insurance premiums
A question-and-answer piece on how OSHA rules affect contractors. 2 pages
Planning for the interruption of business operations due to a catastrophe
A question-and-answer piece discussing business interruption insurance and how it applies during a catastrophe. 2 pages
Flood damage: Is my home covered?
A consumer piece that answers commonly asked questions about flood insurance. 1 page
Enjoy your summer without getting burned
Addresses safety issues that consumers should be aware of during the summer season. 1 page
Answers to questions you may have before going on vacation
A consumer-oriented flyer that answers questions that clients may ask about insurance coverage for items while they are vacationing. 1 page
What do I need to know about credit reports and scores?
A question-and-answer piece that defines what a credit score is and provides answers to commonly asked questions, such as what’s a good credit score, how long credit score information is kept, and more. 2 pages
Holiday gifts and insurance coverage
Answers to commonly asked questions about holiday gifts and their insurance implications. 1 page
Wintertime and fire safety
A consumer piece that deals with woodburning stoves and other holiday season safety issues. 1 page
Winter driving tips
Tips all drivers can use when dealing with winter weather and impaired driving. 1 page
Earthquake coverage not included in homeowners insurance policies
A consumer flyer that addresses earthquake coverage options and applicable waiting periods. 1 page
Crime prevention begins at home
An easy-to-understand consumer flyer that addresses steps that an insured can take to reduce the chance of a theft in their home. 1 page
A household inventory is well worth the time
Consumer flyer on the importance of having a household inventory to support a claim. 1 page
What you need to know before you volunteer
A comprehensive question-and-answer piece that outlines exposures for those that volunteer their time. 2 pages
The dangers of drunken driving
A question-and-answer piece that outlines the warning signs of drunk drivers, information on hosting a party, and how to protect yourself from drunk drivers. 1 page
Storm damage—what’s covered?
A consumer flyer answering commonly asked questions regarding how to protect your property from storm damage and what damages are covered under homeowners policies. 1 page
High-rise residents have unique fire precaution concerns
Answers to questions that a high-rise resident might have to ensure their proper evacuation from a burning building. 1 page
Affordable insurance for renters
A question-and-answer consumer piece that answers the frequently asked questions about renters insurance and the exposures of a tenant. 1 page
How to keep your vehicle safe from car thieves
A comprehensive question-and-answer flyer regarding protecting your vehicle from theft. 1 page
Personal life insurance—the basics
An easy-to-understand consumer piece that outlines the different types of life insurance policies and how premiums are determined. 1 page
Insuring your in-home business
An easy-to-understand, consumer-oriented piece that addresses the coverage exposures when someone decides to open an in-home business. 1 page
How to save money on auto insurance
Tips for consumers on how they can save on their auto insurance rates. 1 page
Homeowners insurance basics
A question-and-answer consumer flyer that addresses questions your homeowner insureds might ask. 1 page
Frozen pipes and other ice and snow damage
An easy-to-understand consumer piece on coverages applicable when pipes freeze or when ice and snow damage occurs. 1 page
What to do if you’re involved in an accident
A consumer flyer detailing what you should do if you have been involved in an accident and what information you should obtain to ensure a smooth claims process. 1 page
Replacement cost coverage: A wise investment
An explanation of replacement cost coverage to allow consumers to make an informed decision when purchasing homeowners coverage. 1 page
Don’t be tricked by Halloween fire hazards
A consumer flyer that offers safety tips for trick-or-treaters. 1 page
Your young drivers—help them play it safe
A consumer flyer focused on the insurance exposures of teen drivers, with answers to parents’ commonly asked questions. 1 page
Additional liability coverage is important
A consumer flyer outlining why clients need a personal umbrella policy and the risks it can cover. 1 page
Not all property is equal when choosing the right insurance
Answers to commonly asked questions regarding how to properly insure stamp collections, fine arts, and jewelry. 1 page
Questions that business owners may have about their property loss claim following a catastrophic event
A consumer-oriented flyer addressing post-catastrophe questions your clients may ask. 2 pages
Questions that homeowners may have about their property loss claim following a catastrophic event
A consumer-oriented flyer designed to answer commonly asked questions after a homeowner suffers a property loss. 2 pages
The facts of prescreened insurance offers
A comprehensive question-and-answer piece that explains what prescreened insurance offers are and how they work. 1 page
Identity theft: Who’s been in your wallet?
A consumer piece easily copied onto your agency letterhead outlining how to protect yourself from identity theft. 2 pages
Earthquake coverage not included in business insurance policies
A small business-oriented flyer that addresses the exposures that businesses face regarding to earthquake exposures that is easily copied onto your agency letterhead. 1 page
Going away to school—an insurance perspective
A flyer that outlines the insurance considerations of parents who have children going to college. 1 page
Cyber security insurance—what is it and why do I need it?
A consumer flyer outlining the exposures that a business faces when it comes to cyber security risks. 2 pages
The basics on ‘fracking’
A helpful consumer flyer explaining hydraulic fracturing and its coverage under a homeowners policy. 1 page
Insurance and the divorcing couple
A consumer flyer addressing insurance issues that can arise when a couple decides to separate or divorce. 2 pages
What you need to know about disaster-related casualties and your personal taxes
A comprehensive consumer flyer explaining some of the tax implications of disaster-related losses. 2 pages
Commercial excess policies are for accidents that become tragedies
A question-and-answer piece that addresses some of the common commercial excess and umbrella questions your commercial-lines clients might have. 1 page
Do I have any control over my auto insurance premiums?
A question-and-answer piece that offers tips to consumers on how to lower their auto insurance premiums. 2 pages
Home sharing and your homeowners policy
A comprehensive question-and-answer piece outlining your exposures when renting your home out to others. 1 page
A homeowners policy amended by the HO 06 48 endorsement requires the insured to reside in the dwelling
Provides some commonly asked questions and answers regarding the ISO HO 06 48 endorsement. 1 page
What you should consider before changing auto insurers
A consumer flyer on things that should be considered before changing auto insurance carriers. 1 page
Why is my insurance being affected by the hard market?
A consumer flyer outlining some of the commonly asked questions about the current hard market. 2 pages
How do I insure my e-bike or electric scooter?
A consumer flyer highlighting the concerns and exposures of e-bikes and e-scooters. 1 page
What is third-party litigation funding—and why it might be raising your insurance rates
A comprehensive consumer piece outlining what insurance consumers should be aware of with regard to lawsuit lending. 1 page
Smart home tech: Protect your home and save
A consumer flyer outlining home technology items that can reduce risk and possibly save on your insurance premiums. 2 pages