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# Agency Checklists

Massachusetts Insurance News & Job Opportunities

## Sitemaps

- [XML Sitemap](https://agencychecklists.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Appeals Court Redefines "Contractual Relationship" Under Public Bond Statute](https://agencychecklists.com/2026/06/15/mass-appeals-court-section-29-third-party-beneficiary-82322/) - Mass. Appeals Court rules third-party beneficiary rights create a “contractual relationship,” avoiding Section 29’s 65-day bond notice requirement.
- [Insurance Confuses Many Mass. Residents New Survey Says](https://agencychecklists.com/2026/06/01/insurance-confuses-many-mass-residents-new-survey-says-82169/) - A MAIA survey found many Massachusetts residents misunderstand flood insurance, policy coverage and homeowners market changes.
- [Update: After Seven Years, the Division of Insurance Dropped Its Case to Revoke John Rapo’s License](https://agencychecklists.com/2026/06/01/division-insurance-drops-john-rapo-case-82188/) - The Massachusetts Division of Insurance withdrew its long-running enforcement case against former insurance producer John Rapo without penalties.
- [3rd Look 2026: Market Share Report for MA Auto Insurance Marketplace](https://agencychecklists.com/2026/05/11/massachusetts-auto-market-share-feb-2026-car-81812/) - CAR data shows Massachusetts auto insurance market share trends through Feb. 2026, with top 10 carriers controlling 86.45% of the market.
- [3rd Look 2026: Market Share Report for MA Commercial Auto Insurers](https://agencychecklists.com/2026/05/11/massachusetts-commercial-auto-market-feb-2026-car-81904/) - CAR data shows Massachusetts commercial auto premiums and market share through Feb. 2026, with top 10 carriers controlling 75.4% of the market.
- [Court Rules: 'Regardless of Whether' In Exclusion Creates Ambiguity](https://agencychecklists.com/2026/05/04/vineyard-aircraft-hangars-cgl-coverage-claim-81748/) - A Massachusetts Federal court finds insurer must defend Vineyard hangar operator after $1.45M propeller damage coverage claim.
- [Nominations Now Open for The Insurance Library's 2026 Insurance Professional of the Year Award](https://agencychecklists.com/2026/05/05/insurance-professional-of-the-year-ipya-2026-81746/) - The Insurance Library has announced that nominations for the 2026 Insurance Professional of the Year Award are now open through May 22, 2026.
- [When Limited Market Access Meets Surplus Lines: An E&O Problem](https://agencychecklists.com/2026/04/27/surplus-lines-eo-massachusetts-producers-81568/) - Massachusetts producers face E&O risk when surplus lines placements lack documented diligent effort. A breakdown of BR-7, §168, and defensible file practices.
- [Insurance Agency Mergers & Acquisitions in Massachusetts | Q1-2026](https://agencychecklists.com/2026/04/28/new-england-agency-ma-q1-2026-81583/) - New England agency M&A activity totaled five deals in Q1 2026, with Massachusetts accounting for three transactions and regional activity declining.
- [Court: No Defense Coverage Owed In Title Insurance Dispute](https://agencychecklists.com/2026/04/13/massachusetts-title-insurance-coverage-lester-case-81428/) - Massachusetts Appeals Court rules title insurance coverage depends on policy terms, not ownership, in Lester v. Old Republic Title Insurance Co.
- [Court Slams Brakes on Total Loss ACV Challenge](https://agencychecklists.com/2026/04/06/massachusetts-acv-total-loss-ruling-81089/) - Massachusetts ACV total loss ruling affirms insurer valuation methods, rejecting class claims and upholding CCC reports in Parsons v. Commerce.
- [Fiduciary Fallout: Market Basket Sues Chubb, Seeking Full $15 Million Payout Following $17.5M ERISA Settlement](https://agencychecklists.com/2023/04/25/fiduciary-fallout-market-basket-sues-chubb-seeking-full-15-million-payout-following-17-5m-erisa-settlement-65713/) - Case Highlights Growing Prevalence of Fiduciary Liability Suits Under ERISA
- [InSurOp-Ed: On This Day 30 Years Ago: What I've Learned](https://agencychecklists.com/2023/06/12/insurop-ed-on-this-day-30-years-ago-what-ive-learned-66474/) - The CEO of SIAA and SAN offers seven simple take-aways after spearheading of one of the Northeast's largest agency alliances for three decades.
- [Court Asked To Certify Classes Totaling Over 80,000 IDV Claims Against Commerce and Safety](https://agencychecklists.com/2023/06/13/court-asked-to-certify-classes-totaling-over-80000-idv-claims-against-commerce-and-safety-66501/) - The latest in a protracted legal battle pertaining to the recovery of inherent diminished value (IDV) damages under Part Four of the standard Massachusetts 2008 automobile policy form.
- [Insurance Library Association Of Boston Is Now Accepting Nominations For The 2023 Insurance Professional Of The Year Award](https://agencychecklists.com/2023/06/23/insurance-library-association-of-boston-is-now-accepting-nominations-for-the-2023-insurance-professional-of-the-year-award-66601/) - Individuals Have Until June 30th To Submit Their Nomination
- [The Saga Ends: No Class Certification for IDV Claimants Against Commerce & Safety](https://agencychecklists.com/2023/06/27/the-saga-ends-no-class-certification-for-idv-claimants-against-commerce-safety-66643/) - Plaintiffs move in Superior Court to certify classes with over 80,000 IDV claimants.
- [Loaner Car Liability: New MA Supreme Court Decision Has Insurance Implications](https://agencychecklists.com/2023/07/17/loaner-car-liability-new-ma-supreme-court-decision-has-insurance-implications-66917/) - SJC Weighs In On Courtesy Vehicle Liability
- [GEICO Faces Legal Battle as Captive Agent’s Lawsuit Advances](https://agencychecklists.com/2023/08/08/geico-faces-legal-battle-as-captive-agents-lawsuit-advances-67324/) - A Captive Agent’s Suit Against GEICO Can Proceed on Claims of Breach of Contract, Renewal Commissions Owed, Unjust Enrichment, and Employee Misclassification
- [New Hampshire Insurance Department’s Consumer Services Unit Recovers Record $6M for Granite State Consumers During Fiscal Year 2023](https://agencychecklists.com/2023/07/27/new-hampshire-insurance-departments-consumer-services-unit-recovers-record-6m-for-granite-state-consumers-during-fiscal-year-2023-67124/) - Consumer Services Unit Educates and Assists Consumers and Investigates Grievances
- [With Gov. Sununu's Signature, HB249 Now Makes NH "Most Pet-Friendly" State In The Union](https://agencychecklists.com/2023/08/01/with-gov-sununus-signature-hb249-now-makes-nh-most-pet-friendly-state-in-the-union-67206/) - Pet Insurance Sellers Must Be Licensed in NH By NHID
- [Court Affirms Landlord's Recovery of $1 Million of Its Common Area Fatality Settlement From Its Tenants’ CGL Policies](https://agencychecklists.com/2023/07/10/law-alert-66828/) - The denial of indemnity under the Trust’s leases and the $1.25 million settlement.
- [2022 Annual Report: Insurance Information Institute's Accomplishments](https://agencychecklists.com/2023/02/06/2022-annual-report-insurance-information-institutes-accomplishments-64134/) - The report identifies the organization’s accomplishments during its second full year as an affiliate of The Institutes.
- [Down 34%, Funding For Insurtechs Sees Steep Decline in Q2-2023](https://agencychecklists.com/2023/08/07/down-34-funding-for-insurtechs-sees-steep-decline-in-q2-2023-67244/) - Startups Saw The Largest Drop in Funding Since 2017
- [How Michael Ryan, CPA Has Streamlined The Process To Help Agents Successfully Sell Or Buy An Insurance Agency In Massachusetts](https://agencychecklists.com/2020/05/19/how-michael-ryan-cpa-has-streamlined-the-process-to-help-agents-successfully-sell-or-buy-an-insurance-agency-in-massachusetts-43799/) - A former CPA for insurance agencies, Mr. Ryan is now a business broker specializing in insurance agency mergers and acquisitions in Massachusetts & New England.
- [Agent Growth Hit Its Stride in 2022 Says Latest Channel Harvest Survey](https://agencychecklists.com/2023/06/26/agent-growth-hit-its-stride-in-2022-says-latest-channel-harvest-survey-66628/) - Small Business Quoting Platforms like Tarmika Gaining Traction
- [Possible 2024 Questions May Address Rents, MCAS, Driver Rights](https://agencychecklists.com/2023/08/04/possible-2024-questions-may-address-rents-mcas-driver-rights-67226/) - DiZoglio Involved In Legislative Audit Proposal
- [Under the Microscope: Feds Red-Flag Huge Holes in Insurer Climate Defenses](https://agencychecklists.com/2023/07/24/under-the-microscope-feds-red-flag-huge-holes-in-insurer-climate-defenses-67075/) - FIO Report Includes Recommendations to Strengthen Climate Risk Management
- [Bi-Monthly CAR Update: The MA Private Passenger Auto Insurance Marketplace](https://agencychecklists.com/2023/02/06/bi-monthly-car-update-the-ma-private-passenger-auto-insurance-marketplace-64121/) - Our first bi-monthly Private Passenger Auto insurance market update of the year is based on data as of November 2022.
- [Mass. Jobless Rate Dips Below 3 Percent](https://agencychecklists.com/2023/06/19/mass-jobless-rate-dips-below-3-percent-66569/) - The national jobless rate for May was 3.7 percent.
- [In Memoriam: Robert Kenneth O'Brien, 1934-2023](https://agencychecklists.com/2023/06/12/in-memoriam-robert-kenneth-obrien-1934-2023-66483/) - Robert (Bob) K. O'Brien passed away on June 2, 2023, in Jupiter, Florida at the age of 88. He was predeceased by his wife of 57 years Barbara Hickey O'Brien, son Kevin R. O'Brien, and parents Arlene M. Lanois O'Brien Knight and Robert Ivor O'Brien. He is survived by his son Brendan R. O'Brien, daughter
- [Immigrants Urged To Beware Of Licensing Scams](https://agencychecklists.com/2023/06/26/immigrants-urged-to-beware-of-licensing-scams-66611/) - Work and Family Mobility Act Goes Into Effect on July 1st
- [Wm F. Borhek & B. R. Alexander Agencies Join World Insurance Associates](https://agencychecklists.com/2023/06/26/wm-f-borhek-b-r-alexander-agencies-join-world-insurance-associates-66615/) - Both agencies were acquired in Q2-2023.
- [Kaplansky Insurance Continues To Expand Market Presence in Massachusetts with 42nd Agency Acquisition](https://agencychecklists.com/2023/07/17/kaplansky-insurance-continues-to-expands-market-presence-in-massachusetts-with-42nd-agency-acquisition-66892/) - Latest Acquisition Is Kaplansky Insurance's Third Since The Start of 2023
- [Joun Approved As Newest Federal Judge in Mass.](https://agencychecklists.com/2023/07/14/joun-approved-as-newest-federal-judge-in-mass-66860/) - First Asian-American Man on Federal Bench in Massachusetts
- [Not Slowed by High-Interest Rates: World Ins. Acquires its Fifth Mass. Agency in 2023](https://agencychecklists.com/2023/07/10/not-slowed-by-high-interest-rates-world-ins-acquires-its-fifth-mass-agency-in-2023-66776/) - Fifth agency acquisition since January 1, 2023.
- [Biden Admin Awards $147 Mil for Mass. Internet Access](https://agencychecklists.com/2023/06/27/biden-admin-awards-147-mil-for-mass-internet-access-66675/) - Funding To Be Deployed Through A 5-Year Plan
- [Mass. Opioid Deaths Climbed To New High In 2022](https://agencychecklists.com/2023/06/27/mass-opioid-deaths-climbed-to-new-high-in-2022-66671/) - Healey Orders Report On Supervised Drug Consumption Sites
- [New Insurance Industry Projections Forecast Continued Underwriting Challenges](https://agencychecklists.com/2023/08/07/new-insurance-industry-projections-forecast-continued-underwriting-challenges-67238/) - Personal Auto Continues to Drag Down Industry Results
- [Q2-2023 Spotlight: MAPFRE Posts Double-Digit Growth Despite Auto Insurance Woes](https://agencychecklists.com/2023/08/07/q2-2023-spotlight-mapfre-posts-double-digit-growth-despite-auto-insurance-woes-67290/) - MAPFRE's Momentum Picked Up In 1H-2023 Even Against Economic Headwinds Globally
- [Prospect of Soft Landing Helping to Lift Employer Confidence](https://agencychecklists.com/2023/08/07/prospect-of-soft-landing-helping-to-lift-employer-confidence-67284/) - AIM Survey: Employers Feel Better Than They Have Since February
- [Q2-2023 Spotlight:  Strong Q2 Results For The Hartford Despite Challenging Auto Market](https://agencychecklists.com/2023/08/07/q2-2023-spotlight-strong-q2-results-for-the-hartford-despite-challenging-auto-market-67245/) - Including 10 Key Data Points From The Financial Results Webcast
- [Q2-2023 Spotlight: Chubb Q2 Profits Soar 54% on Strong Growth Across Segments](https://agencychecklists.com/2023/08/07/q2-2023-spotlight-chubb-q2-profits-soar-54-on-strong-growth-across-segments-67270/) - High-Net Worth Personal Lines Continue to Shine
- [Q2-2023 Spotlight: Safety Insurance Reports Q2 Results Amid Auto Inflation Headwinds](https://agencychecklists.com/2023/08/07/q2-2023-spotlight-safety-insurance-reports-q2-results-amid-auto-inflation-headwinds-67260/) - Insurer Looks to Battle Rising Auto Claims with Underwriting Discipline
- [Vermont Mutual President & CEO, Dan Bridge, Named Insurance Professional of the Year](https://agencychecklists.com/2023/08/03/vermont-mutual-president-ceo-dan-bridge-named-insurance-professional-of-the-year-67221/) - Award Ceremony & Luncheon Will Take Place October 13th
- [AM Best Affirms GE's Electric Insurance Company's Excellent Ratings Amid Pending Sale](https://agencychecklists.com/2023/08/01/am-best-affirms-ges-electric-insurance-companys-excellent-ratings-amid-pending-sale-67151/) - Electric Insurance is Based in Beverly
- [Is Eastern Insurance Up For Sale?](https://agencychecklists.com/2023/08/01/is-eastern-insurance-up-for-sale-67144/) - An online report says Eastern Bank is looking to sell its eponymous insurance agency.
- [Beverly Merger: Sterling Ins. Buys The Morgan-McPherson Agency](https://agencychecklists.com/2023/07/31/beverly-merger-sterling-ins-buys-the-morgan-mcpherson-agency-67155/) - Sterling Insurance’s 94-year Presence Bolsters Beverly’s Insurance Landscape
- [Travelers' Q2 Report: $1.5 Billion in Catastrophe Losses Drive Combined Ratio of 106.5%"](https://agencychecklists.com/2023/07/24/travelers-q2-report-1-5-billion-in-catastrophe-losses-drive-combined-ratio-of-106-5-67079/) - Net written premium up 14% to $10.318 billion
- [Q2-2023 Spotlight: Severe Weather Blows Hanover's Q2 Combined Ratio Above 111%](https://agencychecklists.com/2023/07/24/severe-weather-blows-hanovers-q2-combined-ratio-above-111-67072/) - Worst Q2 For The Industry Since 2011
- [AAA: Massachusetts Gas Prices Up Ten Cents](https://agencychecklists.com/2023/08/04/aaa-massachusetts-gas-prices-up-ten-cents-67229/) - National Average Surged 16 Cents
- [July Tax Collections Rise 11 Percent Over July 2022](https://agencychecklists.com/2023/08/04/july-tax-collections-rise-11-percent-over-july-2022-67224/) - Collections Up for Almost Every Tax Category
- [Lawmakers Tap One-Time State Funds To Fuel Spending Boost](https://agencychecklists.com/2023/08/01/lawmakers-tap-one-time-state-funds-to-fuel-spending-boost-67198/) - State Budget is Second-latest in 22 Years
- [Legislature Reviving Program To Prevent Evictions](https://agencychecklists.com/2023/08/01/legislature-reviving-program-to-prevent-evictions-67201/) - Housing Industry Official Warns Chapter 257 Was Abused By Tenants
- [Mass. Cannabis Commission “In Crisis,” Chair Says](https://agencychecklists.com/2023/08/01/mass-cannabis-commission-in-crisis-chair-says-67204/) - O'Brien Announces Executive Director's Departure Plans
- [Midyear Home Sales In Mass. Down Nearly 25 Percent](https://agencychecklists.com/2023/07/28/midyear-home-sales-in-mass-down-nearly-25-percent-67140/) - At $765k, Greater Boston Median Price In June Exceeded Statewide Median Of $612k
- [Rent Regulation Views Vary Depending On How Questions Are Asked](https://agencychecklists.com/2023/07/28/rent-regulation-views-vary-depending-on-how-questions-are-asked-67134/) - Minimum Wage, Warren, MCAS Also Examined In New Poll Results
- [Former Arlington Manager Chapdelaine Picked as MMA Leader](https://agencychecklists.com/2023/07/28/former-arlington-manager-chapdelaine-picked-as-mma-leader-67132/) - Massachusetts Municipal Association Represents All 351 Municipalities
- [Hub International Launches Multi-Industry Franchise Insurance Solutions for Franchisors and Franchisees](https://agencychecklists.com/2023/07/28/hub-international-launches-multi-industry-franchise-insurance-solutions-for-franchisors-and-franchisees-67128/) - Transforming the Insurance Buying Process with Digital Real-Time Quoting, Cost Savings, and System-Wide Compliance to Ensure Better Strategy and Coverage
- [Liberty Mutual Insurance Announces Key Organizational Changes and Executive Leadership Appointments](https://agencychecklists.com/2023/07/27/liberty-mutual-insurance-announces-key-organizational-changes-and-executive-leadership-appointments-67118/) - Changes Drive Focus on Strategic Markets, Improved Profitability and Faster Innovation
- [Jennifer Zandy Named 2023 Vermont Outstanding Customer Support Representative of the Year](https://agencychecklists.com/2023/07/27/jennifer-zandy-named-2023-vermont-outstanding-customer-support-representative-of-the-year-67112/) - Ms. Zandy To Now Compete At National Level
- [Deals For P&C Agencies See Deeper Dip in Q2-2023](https://agencychecklists.com/2023/07/24/deals-for-pc-agencies-see-deeper-dip-in-q2-2023-67018/) - Deals for property & casualty and benefits brokers in United States and Canada dip 24% in first half of 2023.
- [Mass. Jobless Rate Sinks To Record Low 2.6 Percent](https://agencychecklists.com/2023/07/24/mass-jobless-rate-sinks-to-record-low-2-6-percent-67030/) - Employers Struggling To Fill Open Positions
- [Insurance Agency Mergers & Acquisitions in Massachusetts | Q2-2023](https://agencychecklists.com/2023/07/24/insurance-agency-mergers-acquisitions-in-massachusetts-q2-2023-67034/) - An update to our running list of agency mergers and acquisitions in Massachusetts & New England as of Q2-2023.
- [In Memoriam: Bernard Gitlin](https://agencychecklists.com/2023/07/24/in-memoriam-bernard-gitlin-67013/) - Mr. Gitlin Founded Global Insurance Network In The 1990s
- [P&C Deals See A Deep Decline in First Quarter of 2023](https://agencychecklists.com/2023/04/24/pc-deals-see-a-deep-decline-in-first-quarter-of-2023-65681/) - Deals for property & casualty and benefits brokers in US and Canada dip 17% in first quarter, OPTIS Partners reports.
- [Triple-I: Dog-Related Injury Claim Payouts Exceeded $1 Billion in 2022](https://agencychecklists.com/2023/04/25/triple-i-dog-related-injury-claim-payouts-exceeded-1-billion-in-2022-65709/) - Overall Number of Claims Dropped However in 2022
- [Union Ready To Activate For 2024 Election Cycle](https://agencychecklists.com/2023/07/21/union-ready-to-activate-for-2024-election-cycle-66989/) - Influential Labor Group Preparing To Fight For Workers' Rights on 2024 Ballot
- [Births In 30-And-Older Group Down For First Time In Decade](https://agencychecklists.com/2023/07/21/births-in-30-and-older-group-down-for-first-time-in-decade-66987/) - Overall Births In Mass. Dropped 3.9 Percent In 2020
- [State: Record 101 Pedestrians Died On Roads In 2022](https://agencychecklists.com/2023/07/21/state-record-101-pedestrians-died-on-roads-in-2022-66982/) - State Fashioning Response To "Shockingly High Figures"
- [Fred C. Church Announces Bill Burbine Promoted to Senior Vice President, Sales Leader](https://agencychecklists.com/2023/07/20/fred-c-church-announces-bill-burbine-promoted-to-senior-vice-president-sales-leader-66978/) - Mr. Burbine has been with Fred C. Church for a decade.
- [AM Best Reaffirms Preferred Mutual’s ‘A’ (Excellent) Financial Strength Rating](https://agencychecklists.com/2023/07/20/am-best-reaffirms-preferred-mutuals-a-excellent-financial-strength-rating-66975/) - Preferred Mutual has held the ‘A’ rating for 21 consecutive years.
- [Big "I" Brouhaha Leads To Early Exit For Rusbuldt](https://agencychecklists.com/2023/07/17/big-i-brouhaha-leads-to-early-exit-for-rusbuldt-66901/) - Association Issues Formal Apology For Inappropriate Remarks Made During April Interview With President & CEO.
- [Ballot Law Campaign Opposes Industry-Backed Auto Repair Agreement](https://agencychecklists.com/2023/07/17/ballot-law-campaign-opposes-industry-backed-auto-repair-agreement-66906/) - Latest Developments In Right To Repair Access Fight
- [3rd Look At The 2023 Commercial Auto Marketplace in Massachusetts](https://agencychecklists.com/2023/07/17/3rd-look-at-the-2023-commercial-auto-marketplace-in-massachusetts-66909/) - The latest look at the commercial auto insurance marketplace as of April 2023.
- [Physical Therapy Assistant Sentenced in Massachusetts Auto No-Fault Insurance Fraud Scheme](https://agencychecklists.com/2023/07/17/physical-therapy-assistant-sentenced-in-massachusetts-auto-no-fault-insurance-fraud-scheme-66953/) - An Extensive Fraud Scheme Involving Brighton Physical Therapy Clinic
- [Vermont Mutual Recognized by Ward Group as a Top 50 Insurer for 15th Consecutive Year](https://agencychecklists.com/2023/07/14/vermont-mutual-recognized-by-ward-group-as-a-top-50-insurer-for-15th-consecutive-year-66888/) - Vermont Mutual is one of the ten oldest mutual insurers in the U.S.
- [The Winners Of The MAIW’s Essex/Middlesex Chapter 2023 Estelle Jeter Scholarship](https://agencychecklists.com/2023/07/14/the-winners-of-the-maiws-essex-middlesex-chapter-2023-estelle-jeter-scholarship-66874/) - This is the 85th year of operation for the Massachusetts Association of Insurance Women.
- [The Dowd Agencies Supports Charities Throughout The Area As Their 125th-Anniversary Celebration Continues](https://agencychecklists.com/2023/07/14/the-dowd-agencies-supports-charities-throughout-the-area-as-their-125th-anniversary-celebration-continues-66870/) - Five Organizations Were Selected By An Employee Poll
- [Smith Brothers Advances Massachusetts Growth with Rawson & Sons Acquisition](https://agencychecklists.com/2023/07/10/smith-brothers-advances-massachusetts-growth-with-rawson-sons-acquisition-66801/) - All the Agency’s staff will join Smith Brothers
- [Providence Mutual Updates its Rating Process to Better Reflect Company’s Focus and Long-Term Financial Strength](https://agencychecklists.com/2023/07/07/providence-mutual-updates-its-rating-process-to-better-reflect-companys-focus-and-long-term-financial-strength-66760/) - Rhode Island-based Providence Mutual is one of the oldest mutual companies in the country.
- [Mass. Business Confidence Holds In Pessimistic Zone](https://agencychecklists.com/2023/07/10/mass-business-confidence-holds-in-pessimistic-zone-66770/) - Strong Job Market Counters Recession Fears
- [RMV Seeing Big Spike In Learner’s Permits](https://agencychecklists.com/2023/07/10/learners-permit-issuances-up-in-first-week-of-licensing-law-66774/) - Immigrant Licensing Law Took Effect Ten Days Ago
- [Mass. Licenses For Immigrants Will Be Honored In Florida](https://agencychecklists.com/2023/07/14/mass-licenses-for-immigrants-will-be-honored-in-florida-66855/) - Standard License Differs From Others Banned Under New Florida Law
- [In Memoriam: Pauline R. Gifford, 1936-2023](https://agencychecklists.com/2023/07/10/in-memoriam-pauline-r-gifford-1936-2023-66796/) - Ms. Gifford was a long-time member of the Massachusetts insurance industry.
- [AM Best Affirms Union Mutual Rating of "A" (Excellent) with Stable Outlook](https://agencychecklists.com/2023/07/07/am-best-affirms-union-mutual-rating-of-a-excellent-with-stable-outlook-66762/) - Union Mutual is based in Montpelier Vermont.
- [The 2023 Low Plate Lottery Has Begun!](https://agencychecklists.com/2023/06/27/low-plate-lottery-to-begin-this-friday-june-30th-66666/) - There are 190 low number plates up for grabs this year.
- [Progressive Issues Results For May 2023](https://agencychecklists.com/2023/06/29/progressive-issues-results-for-may-2023-66736/) - Progressive is one of the only insurers to issue its results on a monthly basis
- [Safety Insurance Group Maintains Its Excellent Rating from AM Best](https://agencychecklists.com/2023/06/27/safety-insurance-group-maintains-its-excellent-rating-from-am-best-66631/) - Boston-based Safety is one of Massachusetts's largest auto insurers.
- [DOI Action: Volvo Financial Fined $5,000, Producer Loses License And Fined $1,000](https://agencychecklists.com/2023/06/27/doi-action-volvo-financial-fined-5000-producer-loses-license-and-fined-1000-66641/) - The combined total amount of fines imposed in these two actions was $6,000.
- [Seven Construction Firms Agree To EV Pledge](https://agencychecklists.com/2023/06/29/seven-construction-firms-agree-to-ev-pledge-66734/) - Seven Firms Have Signed The "Construction EV Charger Pledge"
- [Mass. Gets High Marks For EV Adoption, Despite Sluggish Rollout](https://agencychecklists.com/2023/06/29/mass-gets-high-marks-for-ev-adoption-despite-sluggish-rollout-66729/) - Report: Incentives A Bright Spot, Grid Flexibility Needs Improvement
- [AG: Federal Auto Data Stance “Put Us In A Really Tricky Position”](https://agencychecklists.com/2023/06/29/ag-federal-auto-data-stance-put-us-in-a-really-tricky-position-66725/) - Mass. AG Discussed Federal Intervention Into Auto Data Law on GBH's Boston Public Radio
- [Insurance & Technology Industry Vet Elizabeth Del Ferro Joins Bindable as Chief Revenue Officer](https://agencychecklists.com/2023/06/29/insurance-technology-industry-vet-elizabeth-del-ferro-joins-bindable-as-chief-revenue-officer-66721/) - Addition of the experienced sales executive comes as market conditions increasingly call for Bindable’s alternative distribution solutions
- [DeCotis Specialty Insurance Welcomes Ludmila Koval CPCU, AIS, AINS As Director of Digital Services](https://agencychecklists.com/2023/06/29/decotis-specialty-insurance-welcomes-ludmila-koval-cpcu-ais-ains-as-director-of-digital-services-66716/) - Will Serve As First-Ever Director of Digital Services
- [Investment Adviser & Affiliated Insurance Agency Trigger SEC Disgorgement Lawsuit Over Undisclosed Commissions](https://agencychecklists.com/2023/04/11/investment-adviser-affiliated-insurance-agency-trigger-sec-disgorgement-lawsuit-over-undisclosed-commissions-65535/) - Case Involves Allegations of Churning Annuities for Commission in Violation of Fiduciary Duties
- [Workers' Comp Insurance Rates To Drop 10 Percent](https://agencychecklists.com/2023/04/10/workers-comp-insurance-rates-to-drop-10-percent-65489/) - Average rate decrease of 10.2% to provide significant savings for small businesses and policyholders across the state
- [Safety Insurance's Brussard to Retire as Chairman, Insurer Will Welcome Two New Members to Board of Directors](https://agencychecklists.com/2023/04/11/safety-insurances-brussard-to-retire-as-chairman-insurer-will-welcome-two-new-members-to-board-of-directors-65528/) - Mr. Brussard served as Safety's President and CEO from 2001 until his retirement in 2016.
- [2nd Look 2023: The MA Commercial Auto Insurance Marketplace](https://agencychecklists.com/2023/05/02/2nd-look-2023-the-ma-commercial-auto-insurance-marketplace-65876/) - Our first bi-monthly Commercial Auto insurance market update of the year is based on data as of February 2023.
- [Tesla Insurance Exceeding Expectations](https://agencychecklists.com/2023/02/07/tesla-insurance-exceeding-expectations-64211/) - Musk & Co. shared their insurance results during its latest earnings call.
- [Making The Leap From Corporate to Entrepreneur: Nadeen Vella On Building NaVella Insurance From Scratch](https://agencychecklists.com/2023/03/07/making-the-leap-from-corporate-to-entrepreneur-nadeen-vella-on-building-navella-insurance-from-scratch-64732/) - Our latest Agency Interview is with Nadeen Vella, the founder and owner of a virtual scratch independent agency.
- [Fed Agency: “Malicious Actor” Could Exploit Vehicle Repair Law](https://agencychecklists.com/2023/06/15/fed-agency-malicious-actor-could-exploit-vehicle-repair-law-66550/) - Federal Judge Must Weight Latest NHTSA Missive
- [Report Points To Growth Of Asian-American Businesses In Mass.](https://agencychecklists.com/2023/06/23/report-points-to-growth-of-asian-american-businesses-in-mass-66592/) - Hao: Small Businesses Are Helping Immigrants Build Wealth
- [Prices Still High For Limited Inventory of Houses For Sale](https://agencychecklists.com/2023/06/23/prices-still-high-for-limited-inventory-of-houses-for-sale-66585/) - Many Homeowners Are "Hesitant to Enter the Market"
- [Traffic Snarls Forecast During Summertime Tunnel Closure](https://agencychecklists.com/2023/06/23/traffic-snarls-forecast-during-summertime-tunnel-closure-66588/) - Sumner Overhaul Will Also Test MBTA's Ability To Move People
- [Union Mutual Receives Gold-Level Worksite Wellness Award](https://agencychecklists.com/2023/06/22/union-mutual-receives-gold-level-worksite-wellness-award-66582/) - This is the Company’s fifth consecutive top-tier wellness honor.
- [Arbella Insurance Group Celebrates 15th Consecutive Year as One of Boston Business Journal's "Best Places to Work"](https://agencychecklists.com/2023/06/22/arbella-insurance-group-celebrates-15th-consecutive-year-as-one-of-boston-business-journals-best-places-to-work-66577/) - Company ranked #1 in the extra-large business category
- [Charging Issues Still Weigh On Electric Vehicle Shift](https://agencychecklists.com/2023/06/15/charging-issues-still-weigh-on-electric-vehicle-shift-66545/) - Marblehead Woman Describes "Discouraging Experience"
- [RMV Details Translation, Outreach Work Ahead of License Eligibility Expansion](https://agencychecklists.com/2023/06/15/rmv-details-translation-outreach-work-ahead-of-license-eligibility-expansion-66548/) - RMV Unveils New Website to Help With License Eligibility Expansion
- [Thomson Taking Reins Of Business Group AIM](https://agencychecklists.com/2023/06/15/thomson-taking-reins-of-business-group-aim-66538/) - AIM represents the interests of roughly 3,400 companies of all sizes, from all sectors of the economy, and from all corners of Massachusetts.
- [The Hartford Advances Sales Organizations With New Leadership In Group Benefits, Small Commercial and Personal Lines](https://agencychecklists.com/2023/06/16/the-hartford-advances-sales-organizations-with-new-leadership-in-group-benefits-small-commercial-and-personal-lines-66552/) - Company introduces new business vertical in Group Benefits focused on small and mid-sized employers
- [Liberty Mutual Insurance Announces Sale of Personal and Small Commercial Operationsin Western Europe to Generali Group](https://agencychecklists.com/2023/06/16/liberty-mutual-insurance-announces-sale-of-personal-and-small-commercial-operationsin-western-europe-to-generali-group-66558/) - Deal includes Liberty Seguros Businesses in Ireland, Northern Ireland, Portugal and Spain
- [Lionel Richie Becomes an Acrisure Brand Ambassador](https://agencychecklists.com/2023/06/16/lionel-richie-becomes-an-acrisure-brand-ambassador-66555/) - Legendary Recording Artist and Entrepreneur to Help Global Fintech Connect with New Clients
- [Surprising Survey Results Show Many Americans Think Insurance Fraud Is Not A Crime](https://agencychecklists.com/2023/06/12/surprising-survey-results-show-many-americans-think-insurance-fraud-is-not-a-crime-66489/) - Younger Generations Appear More Tolerant of Fraud and ‘Envious’ of Those Who Commit It
- [3 DOI Enforcement Actions Published: A License Revoked for Premium Theft And 2 Agencies Fined](https://agencychecklists.com/2023/06/13/3-doi-enforcement-actions-published-a-license-revoked-for-premium-theft-and-2-agencies-fined-66495/) - Three agent licensing decisions have been issued so far in 2023.
- [CIAB's Q1 2023 P/C Market Survey Shows Signs of Stabilization in Cyber And A Spike In Commercial Property Premiums](https://agencychecklists.com/2023/06/13/ciabs-q1-2023-p-c-market-survey-shows-signs-of-stablization-in-cyber-and-a-spike-in-commercial-property-premiums-66472/) - “Property as a whole experienced the quickest hardening market anyone can remember in a lifetime.”
- [Governor Healey Appoints Nick Fyntrilakis to Massachusetts Convention Center Authority Board](https://agencychecklists.com/2026/07/05/nick-fyntrilakis-appointed-mcca-board-82497/) - Governor Healey appointed MAIA President and CEO Nick Fyntrilakis to the Massachusetts Convention Center Authority Board, representing Hampden County.
- [A 'Seamless Experience' Is What Customers Are Looking For](https://agencychecklists.com/2026/06/20/jd-power-auto-insurance-study-agents-resolve-customer-issues-82432/) - JD Power's 2026 Auto Insurance Study found agents resolved 91% of cross-channel customer issues, outperforming websites and apps as customer experience becomes the top driver of satisfaction.
- [Massachusetts Bolstering Efforts to Prevent Wrong-Way Crashes](https://agencychecklists.com/2026/06/19/massachusetts-wrong-way-driving-prevention-plan-82397/) - Massachusetts expands wrong-way driving detection with sensors, signage, and alerts as fatalities rise and safety efforts intensify statewide.
- [ADALB Moves to Clarify Licensed Appraiser Requirements for Repair Shops](https://agencychecklists.com/2026/06/20/adalb-licensed-appraiser-requirement-2026-82415/) - Massachusetts ADALB seeks comment on advisory ruling reaffirming licensed appraiser requirements for insurance-related auto damage appraisals.
- [Lightning Losses Topped $1.65 Billion in 2025](https://agencychecklists.com/2026/06/20/lightning-insurance-claims-severity-2025-82447/) - Lightning losses rose 59% in 2025 as claim severity surged, driven by rising repair costs, inflation, and increased home technology exposure.
- [World Welcomes Worcester's Wolpert Insurance](https://agencychecklists.com/2026/06/20/world-insurance-wolpert-acquisition-worcester-82451/) - World Insurance Associates has acquired Wolpert Insurance Agency of Worcester, expanding its Massachusetts footprint and transportation specialty capabilities.
- [Ward v. Liberty Mutual: A Lead-Generation Trap for Massachusetts Agencies](https://agencychecklists.com/2026/06/20/ward-liberty-mutual-tcpa-lead-generation-liability-82434/) - A federal court's class certification ruling in Ward v. Liberty Mutual highlights how purchased leads, telemarketing vendors, AI voice tools and TCPA compliance can create major liability for insurance agencies.
- [Coverys Elects Insurance Executive Michael L. Boguski to Board of Directors](https://agencychecklists.com/2026/06/20/coverys-michael-boguski-board-appointment-82472/) - Coverys appoints industry veteran Michael Boguski to its board, adding deep expertise in underwriting, M&A, and healthcare liability strategy.
- [Connecticut Named Captive Domicile of the Year at Captive Review Awards USA 2026](https://agencychecklists.com/2026/06/20/connecticut-captive-domicile-of-the-year-2026-82464/) - Connecticut earns Captive Domicile of the Year honors as growth, innovation, and regulatory improvements strengthen its captive insurance market.
- [Health Insurers Say Drug Costs, Patient Expectations Tightening Cost Bind](https://agencychecklists.com/2026/06/20/massachusetts-health-insurance-rate-increase-2027-82458/) - Massachusetts insurers propose average 12.9% premium increases for 2027, citing specialty drug costs and rising provider reimbursement rates.
- [Report Flags Insurance Woes for Security, Airport Service Workers](https://agencychecklists.com/2026/06/20/massachusetts-union-workers-health-insurance-gap-82395/) - New report finds many union security and airport workers lack affordable health coverage, with high uninsured rates despite employer-sponsored plans.
- [Poll: Fewer Parents Expect Their Kids to Pursue Bachelor's Degree](https://agencychecklists.com/2026/06/20/massachusetts-college-interest-decline-2026-82423/) - New polling shows declining interest in four-year degrees among Massachusetts students, with sharp gaps by income, race, and parental education.
- [Physician Sentenced to Nearly Five Years Following Insurance Fraud Conviction](https://agencychecklists.com/2026/06/20/brookline-doctor-sentenced-healthcare-fraud-82406/) - A Brookline physician receives 58 months in prison and $1.85M restitution after conviction for healthcare fraud, money laundering, and tax evasion.
- [Hub International Names Paul Collins Northeast Area President](https://agencychecklists.com/2026/06/20/hub-paul-collins-northeast-president-2026-82410/) - HUB appoints Paul Collins as Northeast Area President, combining Northeast and New England operations to drive growth and cross-sell opportunities.
- [In Late Push, Pet Bill Backers Tout Benefits for Owners](https://agencychecklists.com/2026/06/15/massachusetts-pet-equity-bill-insurance-impact-82315/) - Massachusetts pet equity bill advances, including limits on breed-based insurance underwriting and new animal welfare protections.
- [EV Insurance Premium Gap Highest In Country, Insurify Finds](https://agencychecklists.com/2026/06/15/massachusetts-ev-insurance-premium-gap-82345/) - Massachusetts drivers pay the highest EV insurance premiums, 54% above gas vehicles, driven by repair costs, labor rates, and market factors.
- [Best’s Special Report: Evolving Data Center Landscape Requires Insurer Innovation](https://agencychecklists.com/2026/06/15/data-centers-insurance-risk-am-best-report-82334/) - AM Best says AI-driven data center growth is creating new risks and driving demand for innovative property and liability insurance solutions.
- [W. R. Berkley Corporation Announces the Passing of Its Founder and Executive Chairman, William R. Berkley](https://agencychecklists.com/2026/06/15/william-r-berkley-obituary-wrb-founder-82355/) - William R. Berkley, founder of W. R. Berkley Corporation, has died at 80, leaving a legacy of underwriting discipline and industry leadership.
- [Risky Business: Economic Uncertainty Remains a Defining Feature of 2026](https://agencychecklists.com/2026/06/15/business-owners-insurance-coverage-gap-gallagher-82364/) - Gallagher survey finds 94% of business owners fear insurance gaps as cyber, AI, weather, and supply chain risks drive demand for coverage.
- [Kelley O'Connor: Plymouth Rock's New MA State Sales Manager](https://agencychecklists.com/2026/06/15/plymouth-rock-kelley-oconnor-massachusetts-sales-manager-82366/) - Plymouth Rock appoints Kelley O’Connor as Massachusetts State Sales Manager to strengthen independent agent relationships and drive growth.
- [Pet Insurance Market Continues Double-Digit Growth in 2025](https://agencychecklists.com/2026/06/15/pet-insurance-market-growth-2025-us-82376/) - Pet insurance premiums hit $5.47B in 2025 with double-digit growth, low penetration, and rising liability risks for insurers and agents.
- [Massachusetts Looks for 'Happy Medium' on Swipe Fee Reforms](https://agencychecklists.com/2026/06/15/massachusetts-swipe-fee-reform-credit-card-82379/) - Massachusetts lawmakers push retailers, banks, and card networks to find solutions on rising swipe fees as state-level reform efforts intensify.
- [Court Rejects Bid to Derail Marijuana Ballot Question](https://agencychecklists.com/2026/06/15/massachusetts-sjc-marijuana-ballot-ruling-2026-82384/) - Massachusetts SJC rules AG’s summary fair and allows marijuana repeal ballot question to advance toward the November election.
- [Healey Throws Support Behind Happy Hour in Pursuit of 'Vibrancy'](https://agencychecklists.com/2026/06/15/massachusetts-happy-hour-last-call-expansion-82386/) - Gov. Healey backs happy hour and extended last call as Massachusetts tests new nightlife policies aimed at boosting business and retaining young residents.
- [Annual Sales Tax Holiday Set for Weekend of Aug. 8-9](https://agencychecklists.com/2026/06/15/massachusetts-sales-tax-holiday-2026-82389/) - Massachusetts will hold its 2026 sales tax holiday Aug. 8–9, suspending the 6.25% tax on most purchases under $2,500.
- [Taunton Insurance Leader Michael R. Quinn Dies at 70](https://agencychecklists.com/2026/06/14/michael-quinn-allan-walker-insurance-obituary-82319/) - Michael R. Quinn, longtime leader of Allan M. Walker Insurance in Taunton, dies at 70 after leading the agency through its 2022 sale.
- [Big “I” Launches New TrustedChoice.com Agency Locator For Member Agencies](https://agencychecklists.com/2026/06/08/big-i-trustedchoice-agency-locator-launch-82303/) - The Big “I” launches a new TrustedChoice.com locator, connecting online insurance shoppers with independent agents at no additional cost.
- [Verisk: Hail Volatility And Aging Roofs Drive Higher Residential Roof Loss Severity](https://agencychecklists.com/2026/06/09/roof-replacement-costs-2025-verisk-report-82307/) - Roof replacement costs rose 33% in 2025, as wind and hail drive higher severity despite lower claims volume, according to Verisk.
- [AI Risks Are Emerging Across Existing Insurance Policies, Willis Says](https://agencychecklists.com/2026/06/08/silent-ai-risk-insurance-willis-report-2026-82256/) - Willis report warns AI is driving losses under existing policies, creating “silent AI” exposure across E&O, cyber, EPLI, and liability lines.
- [Healey: Data centers must be self-powered, environmentally friendly](https://agencychecklists.com/2026/06/08/healey-data-center-policy-massachusetts-2026-82253/) - Gov. Healey outlines data center policy focusing on energy independence, environmental impact, and AI-driven infrastructure growth in Massachusetts.
- [DOI Revokes Producer’s License And Fines Him $2,000 For Failing To Report New Hampshire Discipline](https://agencychecklists.com/2026/06/08/massachusetts-license-revocation-reporting-failure-82286/) - Massachusetts revokes producer license over failure to report NH action and false renewal answer, highlighting strict disclosure requirements.
- [Latest CIAB Survey Says Soft Market Conditions Reigned in Q1-2026](https://agencychecklists.com/2026/06/08/pc-premiums-decline-q1-2026-market-softening-82300/) - Commercial P&C premiums declined 1.2% in Q1 2026, the first drop across all account sizes since 2017, signaling a softening market.
- [Liberty Mutual Insurance Appoints Amy Gross General Manager, North American Construction](https://agencychecklists.com/2026/06/08/liberty-mutual-amy-gross-construction-leader-82288/) - Liberty Mutual appoints Amy Gross to lead North America Construction, expanding specialized risk solutions for large and mid-size projects.
- [Arbella Insurance Foundation Raises Over $214,000 for Hunger Relief Programs Across New England](https://agencychecklists.com/2026/06/08/arbella-drive-out-hunger-2026-82295/) - Arbella Insurance Foundation raises $214K for hunger relief, supporting 120 food programs across New England amid rising food insecurity.
- [Maine Bureau of Insurance Announces Retirement of Superintendent Robert Carey](https://agencychecklists.com/2026/06/08/maine-insurance-superintendent-carey-retirement-82264/) - Maine Insurance Superintendent Robert Carey will retire June 5 after leading efforts that reduced premiums and strengthened market oversight.
- [Opioid deaths fall below 1,000 for first year since 2013](https://agencychecklists.com/2026/06/08/massachusetts-opioid-overdose-deaths-2025-decline-82259/) - Massachusetts reports 978 opioid overdose deaths in 2025, a 27% drop, as prevention, treatment, and harm reduction efforts expand statewide.
- [In Memoriam: Robert Pangione, 1935-2026](https://agencychecklists.com/2026/06/07/robert-pangione-in-memoriam-82245/) - Born and raised in Lawrence, Massachusetts, Mr. Pangione owned and operated local independent insurance agencies in the Merrimack Valley.
- [House, Senate Now United on Need for Stronger Data Privacy Protections](https://agencychecklists.com/2026/06/08/massachusetts-data-privacy-bill-house-2026-82248/) - Massachusetts House passes sweeping data privacy bill requiring consent for sensitive data use and expanding enforcement powers.
- [Liberty Mutual Launches Auto Insurance Quoting App in ChatGPT](https://agencychecklists.com/2026/06/01/liberty-mutual-chatgpt-auto-quote-app-82163/) - Liberty Mutual launched a ChatGPT app enabling personalized auto insurance quotes in seven states, expanding to 40+ states by end of 2026.
- [Springfield's Honor Capital and Ascend Announce Agreement to Merge](https://agencychecklists.com/2026/06/02/honor-capital-ascend-merger-82178/) - Springfield's Honor Capital and Ascend have agreed to merge, creating a platform that combines insurance payments, premium financing, and accounting automation.
- [Massachusetts Jobless Rate Held at 4.7% in April](https://agencychecklists.com/2026/06/01/massachusetts-unemployment-rate-april-2026-82155/) - Massachusetts added 8,500 jobs in April while the unemployment rate remained at 4.7%, above the national rate, according to state officials.
- [Arbella Appoints New Vice President, Chief Actuary](https://agencychecklists.com/2026/06/01/arbella-appoints-jon-swartz-chief-actuary-82159/) - Arbella Insurance has appointed Jon Swartz as vice president and chief actuary, overseeing pricing, reserving, data science and governance.
- [AI Search Is Changing How Prospects Find Agencies. The Fundamentals Haven't](https://agencychecklists.com/2026/06/01/ai-search-is-changing-how-prospects-find-agencies-the-fundamentals-havent-82185/) - AI search is changing how insurance agencies get found online. Learn why accurate profiles, reviews and expertise matter more than ever.
- [ACORD Solutions Group Introduces AI-Ready Architecture for Insurance Transactions](https://agencychecklists.com/2026/06/01/acord-solutions-group-introduces-ai-ready-architecture-for-insurance-transactions-82173/) - ACORD Solutions Group launched an MCP-enabled architecture that allows AI agents to exchange data and support insurance workflows.
- [Health Insurers Again Propose Double-Digit Premium Increases](https://agencychecklists.com/2026/06/01/massachusetts-health-insurance-rate-increases-2027-82128/) - Massachusetts health insurers are seeking an average 12.9% premium increase for 2027, raising affordability concerns for consumers and employers.
- [Guilty Plea in $6 Million Payroll Concealment Scheme](https://agencychecklists.com/2026/06/01/lowell-staffing-agency-workers-comp-fraud-82181/) - A Lowell staffing agency owner pleaded guilty to hiding more than $6 million in payroll and obtaining workers' compensation coverage using false records.
- [MAIA's First Women's Summit Draws 160 Insurance Professionals to Sold-Out Event](https://agencychecklists.com/2026/06/02/maias-first-womens-summit-draws-160-insurance-professionals-to-sold-out-event-82232/) - MAIA's inaugural Women's Summit attracted 160 insurance professionals for leadership development, networking and industry discussions.
- [In Memoriam: Patrick J. “P.J.” Haskell, 1966-2026](https://agencychecklists.com/2026/06/02/in-memoriam-patrick-haskell-82200/) - Recently retired at the end of 2025, Mr. Haskell was a second-generation independent agent and former owner of the Haskell Insurance Agency
- [In Memoriam: Edward R. DeWolfe, 1940-2026](https://agencychecklists.com/2026/06/02/in-memoriam-edward-r-dewolfe-82196/) - A longtime member of the Massachusetts insurance industry, Mr. DeWolfe retired as Vice President of the Appleby & Wyman Agency in 2001
- [In Memoriam: Brian D. Kerr, 1939-2026](https://agencychecklists.com/2026/06/02/in-memoriam-brian-d-kerr-1939-2026-82192/) - Mr. Kerr spent his insurance career with the Attleboro Mutual Insurance Company
- [App-Based Drivers' Union Dives into Regulatory Thicket](https://agencychecklists.com/2026/06/01/app-based-drivers-union-dives-into-regulatory-thicket-82130/) - Massachusetts' newly certified app-based drivers' union is urging regulators to delay proposed Uber and Lyft rules until contract negotiations begin.
- [High holiday: Cannabis buyers took advantage of higher purchase limit](https://agencychecklists.com/2026/06/01/massachusetts-cannabis-sales-purchase-limit-doubled-82119/) - Massachusetts cannabis businesses sold $7.32 million on 4/20 after a new law doubled the daily marijuana purchase limit from one ounce to two.
- [CCC agrees to limit delivery licenses until 2029](https://agencychecklists.com/2026/03/17/ccc-agrees-to-limit-delivery-licenses-until-2029-80548/) - License exclusivity, secret shopper expansion part of latest regulatory work
- [Martha Stewart's New AI Start-up Hint Homes In On the Home](https://agencychecklists.com/2026/05/19/martha-stewart-hint-home-management-platform-82085/) - Martha Stewart launches Hint, an AI-powered home management platform backed by $10 million in seed funding and focused on proactive homeownership guidance.
- [BayCoast Insurance Renews Prestigious Five Star Agency Designation](https://agencychecklists.com/2026/05/13/baycoast-insurance-five-star-agency-maia-2026-81972/) - BayCoast Insurance renews MAIA Five Star Agency designation, reflecting sustained excellence in operations, customer service, and agency performance.
- [InsurOp-Ed: The Next Chapter for Independent Insurance Agencies](https://agencychecklists.com/2026/05/18/next-chapter-independent-insurance-agencies-81990/) - Independent insurance agencies face rising costs and tech demands. Strategic partnerships offer support while preserving independence and client relationships.
- [Auto Insurance Shopping Active As Rate Filings Turn Negative](https://agencychecklists.com/2026/05/18/auto-insurance-shopping-active-as-rate-filings-turn-negative-82047/) - TransUnion says auto insurance shopping remained elevated in early 2026 as rate filings turned negative and competition intensified.
- [Boston-based General Indemnity Group to Join CopperPoint in Surety Expansion Deal](https://agencychecklists.com/2026/05/18/copperpoint-acquires-general-indemnity-group-82035/) - CopperPoint will acquire Boston-based General Indemnity Group, adding nationwide commercial and contract surety capabilities to its specialty insurance platform
- [Cowbell Report: Cyber Claims Up But Ransom Payments Fall](https://agencychecklists.com/2026/05/18/cowbell-cyber-insurance-claims-report-2026-82051/) - Cowbell’s latest cyber claims report says U.S. cyber insurance losses are rising even as premium volume declines and ransomware tactics evolve.
- [AM Best Downgrades Arrow Mutual Liability Insurance Company Ratings](https://agencychecklists.com/2026/05/18/am-best-downgrades-arrow-mutual-ratings-82055/) - AM Best downgraded Arrow Mutual Liability Insurance Company’s ratings, citing persistent underwriting losses and marginal operating performance.
- [Best’s Special Report: Personal Auto and Homeowners Markets’ Stabilization Evident Despite a Decline in Approved Rate Changes](https://agencychecklists.com/2026/05/19/am-best-auto-home-rate-increases-2025-82072/) - AM Best reports auto and homeowners rate increases moderated in 2025 as loss ratios improved and underwriting results stabilized across personal lines.
- [MassMutual turns 175, Marking Generations of Delivering on its Commitments](https://agencychecklists.com/2026/05/19/massmutual-175th-anniversary-2026-82103/) - MassMutual marks its 175th anniversary, highlighting policyholder focus, $1T in coverage, and a legacy of dividends and community support.
- [Deland, Gibson Now Largest Independently Owned P&C Agency Headquartered in Massachusetts](https://agencychecklists.com/2026/05/19/deland-gibson-now-largest-independently-owned-pc-agency-headquartered-in-massachusetts-82096/) - Deland, Gibson ranks #13 on Boston Business Journal’s list, becoming the largest independent P&C agency headquartered in Massachusetts.
- [Massachusetts Recorded 100 Alcohol-Impaired Driving Fatalities in 2024](https://agencychecklists.com/2026/05/18/impaired-driving-deaths-2024-massachusetts-82042/) - New NHTSA data shows alcohol-impaired driving fatalities declined in 2024, including an 11% drop in Massachusetts, though deaths remain above pre-pandemic levels.
- [Davis & Towle Welcomes Turner Liberty Insurance to the Fold](https://agencychecklists.com/2026/05/18/davis-towle-acquires-turner-liberty-insurance-82037/) - Davis & Towle Insurance Group acquires Turner Liberty Insurance, expanding in New Hampshire while maintaining local service and agency identity.
- [FM and Disney Relaunch 'Disney Wild About Safety,' Presented by FM](https://agencychecklists.com/2026/05/19/fm-disney-wild-about-safety-relaunch-82080/) - FM and Disney relaunch the Wild About Safety program, expanding global safety education through updated content and enhanced storytelling.
- [Patriot Growth Insurance Services Refreshes Brand Identity](https://agencychecklists.com/2026/05/19/patriot-growth-insurance-rebrand-2026-82069/) - Patriot Growth Insurance Services debuts a new brand identity, highlighting its national platform, agency connections, and continued expansion.
- [Property Owners Say Costs Outpacing Proposed Rent Caps](https://agencychecklists.com/2026/05/18/massachusetts-rent-control-ballot-debate-2026-81994/) - Massachusetts rent control debate heats up as Nov. 2026 ballot approaches, with small property owners and housing advocates at odds.
- [Report: Island Real Estate Fees Would Have 'Minimal' Impact on Prices](https://agencychecklists.com/2026/05/18/marthas-vineyard-nantucket-transfer-fees-housing-81996/) - UMass report finds new real estate transfer fees on Martha’s Vineyard and Nantucket could generate millions for affordable housing with minimal market impact.
- [In Memoriam: John D. Parolin, 1932-2021](https://agencychecklists.com/2021/02/21/in-memoriam-john-d-parolin-1932-2021-48978/) - Mr. Parolin was an Allstate insurance agent in Reading, MA for more than 20 years.
- [MA DOI Deputy Commissioner Honored by NAIC](https://agencychecklists.com/2025/12/19/ma-doi-deputy-commissioner-honored-by-naic-78730/) - Three State Insurance Regulators Honored with 2025 Robert Dineen Award during the National Association of Insurance Commissioners' 2025 Fall Meeting.
- [Deland, Gibson Insurance Associates Renews Five Star Agency Designation](https://agencychecklists.com/2024/12/06/deland-gibson-insurance-associates-renews-five-star-agency-designation-73196/) - Deland, Gibson Insurance renews MAIA Five Star Agency designation, marking 25 years of excellence in customer service, leadership, and innovation.
- [Street Racing on Public Roads Remains a Growing Safety Concern, AAA Study Finds](https://agencychecklists.com/2026/05/08/aaa-study-street-racing-traffic-safety-2026-81809/) - AAA study finds nearly 75% of U.S. drivers saw street racing in the past year, with rising concern over weaving, drag racing, and street takeovers.
- [$14.3M Q1 Loss For Safety: Back-To-Back Storms' 1600 Claims Cost $42.7M](https://agencychecklists.com/2026/05/10/safety-insurance-q1-2026-winter-storm-loss-81879/) - Despite weather losses that pushed the combined ratio to 113.4%, Safety maintains its dividend and continues rate increases across all primary lines of business
- [Liberty Mutual Posts $2 Billion Quarter as It Shifts from Defense to Growth](https://agencychecklists.com/2026/05/11/liberty-mutual-q1-2026-results-growth-strategy-81881/) - Liberty Mutual reports $2.05B Q1 2026 net income as catastrophe losses fall sharply, enabling a shift toward growth and increased advertising.
- [State Insurance Regulators Issue New Nationwide Homeowners Market Data Call](https://agencychecklists.com/2026/05/11/naic-homeowners-data-call-zip-code-2026-81874/) - NAIC launches nationwide homeowners data call capturing ZIP-level data on premiums, claims, coverage, and mitigation from 2018–2025 policy years.
- [New ACORD Coalition Formed To Focus on Advancing Insurance Data Standards to Help Agents & Brokers](https://agencychecklists.com/2026/05/11/acord-advisory-council-distribution-leaders-81920/) - ACORD partners with AUGIE, CIAB, CSIO, IIABA/ACT, PIA, and WSIA to advance digital communication and data standards for P&C agents and brokers.
- [Is the Cyber Insurance Market Broken?](https://agencychecklists.com/2026/05/11/is-the-cyber-insurance-market-broken-81926/) - A federal report warns the cyber insurance market faces structural limits and calls for a U.S. cyber reinsurance backstop to address systemic risk.
- [Register for the Insurance Library's 2026 Summer Intern Program!](https://agencychecklists.com/2026/05/12/insurance-library-summer-intern-program-2026-81954/) - Insurance Library opens registration for its 2026 Summer Intern Program, featuring webinars, in-person events, and 21 hours of training for interns.
- [Statement from Commissioner Joan Cohen on Passing of Former Insurance Superintendent Eric Cioppa](https://agencychecklists.com/2026/05/12/statement-from-commissioner-joan-cohen-on-passing-of-former-insurance-superintendent-eric-cioppa-81959/) - Joan Cohen is the current Superintendent of Insurance for the Maine Insurance Bureau
- [Key Senator Says State Lacks Power Capacity for Data Center Expansion](https://agencychecklists.com/2026/05/12/massachusetts-ai-data-centers-energy-climate-debate-81930/) - Massachusetts lawmakers debate AI data center growth, citing energy limits, water use, and climate risks as communities push back on development.
- [As Penny is Phased Out, Retailers Get Rounding Guidance](https://agencychecklists.com/2026/05/11/massachusetts-penny-rounding-guidance-2026-81877/) - Massachusetts regulators clarify legal rules for rounding cash transactions as the penny disappears, including sales tax treatment and consumer protections.
- [Chi Vo Joins Patriot Growth Insurance Services as Senior Vice President of Operations](https://agencychecklists.com/2026/05/08/patriot-growth-chi-vo-svp-operations-81843/) - Patriot Growth Insurance Services appoints Chi Vo as SVP of Operations to lead platform development, M&A integration, and agency operations.
- [Team of Three Strengthens Hub International in New England](https://agencychecklists.com/2024/04/04/team-of-three-strengthens-hub-international-in-new-england-70555/) - HUB International adds Andrew Drayer, Chi Vo, and Joe Lawless to its New England team to support strategy, operations, and analytics growth.
- [Jeffrey C. Johnston Named NAIC Chief Executive Officer ](https://agencychecklists.com/2026/05/08/naic-jeffrey-johnston-ceo-appointment-2026-81862/) - NAIC names Jeffrey C. Johnston CEO effective June 1, 2026, as the group advances priorities in solvency, data modernization, and innovation.
- [In Memoriam: Eric Cioppa, 1958-2026](https://agencychecklists.com/2026/05/08/in-memoriam-eric-cioppa-1958-2026-81804/) - A Former Superintendent of Insurance, Eric Cioppa, had a distinguished 33-year career with the Maine Insurance Bureau of Insurance
- [AI Pace Raises Risk, Reward, Regulation Questions](https://agencychecklists.com/2026/05/08/massachusetts-ai-regulation-guardrails-executive-branch-81847/) - Mass. officials discuss AI regulation, workforce risks, and a “walled-off” enterprise ChatGPT system as lawmakers weigh guardrails and adoption challenges.
- [What Happened to Surround Insurance?](https://agencychecklists.com/2024/12/09/what-happened-to-surround-insurance-73573/) - The Boston-based insurtech's website has been down for weeks
- [Surround Insurance - Six Months In - In Massachusetts](https://agencychecklists.com/2021/04/01/surround-insurance-six-months-in-in-massachusetts-50427/) - We're excited to share an update on what we're doing at Surround Insurance!
- [Surround's Successful Seed Round Nabs $2.5 Million More For Expansion of Its “Insurance Built Around You” Platform](https://agencychecklists.com/2022/12/06/surround-raises-2-5-million-to-further-develop-insurance-built-around-you-63168/) - Start-up Plans to Expands Outside Massachusetts in 2023
- [Record Q1 Results: The Hanover's Combined Ratio Improves to 91.7%](https://agencychecklists.com/2026/05/04/hanover-q1-2026-underwriting-results-81752/) - Hanover Q1 2026 results: Operating income $5.25/share, combined ratio 91.7%, pricing exceeds loss trends, and underwriting improves across all segments.
- [Vermont Mutual Annual Meeting Shows Strong Results](https://agencychecklists.com/2026/05/04/vermont-mutual-annual-meeting-shows-strong-results-81729/) - Vermont Mutual posts $101M underwriting income, $1B surplus, and $860M written premium in 2025, marking historic milestones for the Montpelier-based insurer.
- [Texas Agency Agrees To Pay $5 Million In Restitution and Costs](https://agencychecklists.com/2026/05/04/adroit-health-group-massachusetts-ban-5m-settlement-81723/) - A Texas-based health agency barred from Massachusetts and will pay $5M over three years for misleading consumers on health insurance coverage .
- [Paradiso Insurance Acquired by Trucordia](https://agencychecklists.com/2026/05/04/trucordia-paradiso-insurance-acquisition-new-england-81712/) - Trucordia continues New England expansion with the acquisition of Paradiso Insurance, gaining clients, carriers, and local expertise in Connecticut.
- [EMPLOYERS Launches Workers’ Compensation Quoting App in ChatGPT Directory](https://agencychecklists.com/2026/05/04/employers-chatgpt-workers-comp-quoting-app-81717/) - EMPLOYERS launches a ChatGPT app for workers’ comp quoting, enabling real-time premium estimates through a conversational AI interface.
- [Healey Wants Speed Framework to Regulate E-bikes, Scooters](https://agencychecklists.com/2026/05/04/massachusetts-micromobility-speed-framework-2026-81743/) - Gov. Healey proposes first-in-the-nation 'micromobility' speed-based framework to regulate e-bikes, scooters, and mopeds, enhancing safety and accountability.
- [American Family Insurance Launches New Branded Reality Series "Designed to Last"](https://agencychecklists.com/2026/05/05/designed-to-last-american-family-insurance-hulu-81714/) - American Family Insurance debuts “Designed To Last,” a Hulu reality competition exploring home resilience against extreme environmental hazards.
- [The 2026 Atlantic Hurricane Season Begins on June 1st](https://agencychecklists.com/2026/05/05/hurricane-preparedness-week-2026-atlantic-forecast-81702/) - National Hurricane Preparedness Week runs May 3–9. Triple-I and AccuWeather forecast a slightly below-average 2026 season.
- [‘Officially Amazing’: FM Earns a Guinness World Records Title for Largest Display of Fire Sprinklers](https://agencychecklists.com/2026/05/05/fm-global-guinness-record-sprinkler-display-81720/) - FM Global earns Guinness World Record for the world’s largest fire sprinkler display at its Rhode Island Research Campus, highlighting fire protection legacy.
- [Progressive Insurance® Expands UpPayment® to Help 200 First-Time Homebuyers Get Into a Home](https://agencychecklists.com/2026/05/04/progressive-uppayment-first-time-homebuyer-assistance-81710/) - Progressive’s UpPayment program offers up to $13,500 in down payment assistance to help first-time homebuyers overcome barriers and secure a home.
- [Healey Expands Homebuyer Assistance with No-Interest Loans](https://agencychecklists.com/2026/05/04/masshousing-25k-homebuyer-assistance-expansion-2026-81696/) - MassHousing expands homebuyer aid to $25K at 0% interest. Homebuyer Assistance Program targets first-time buyers and aims to double annual participants.
- [Tax Cut Impacts Could Flow to Charitable Giving, Small Businesses](https://agencychecklists.com/2026/05/04/massachusetts-tax-cut-ballot-charitable-deduction-s-corp-impact-81682/) - Massachusetts tax cut ballot could eliminate charitable deduction and raise S corp taxes, Healey administration says.
- [Mass. Jobs up in March but Down Over Past Year](https://agencychecklists.com/2026/05/04/massachusetts-jobs-march-2026-unemployment-labor-force-81675/) - Massachusetts added 6,800 jobs in March after February losses. Unemployment fell to 4.7% as labor force participation declined.
- [Arbella Insurance Group Announces Retirement of Bob Bizak, Executive Vice President of Sales & Marketing ](https://agencychecklists.com/2026/04/29/arbella-bizak-retirement-odonoghue-promotion-81646/) - Arbella Insurance Group says EVP Bob Bizak will retire July 1, 2026, with Andrew O’Donoghue named Vice President of Sales & Marketing.
- [Baker: Small Biz COVID-19 Aid Program is Largest in the U.S.](https://agencychecklists.com/2021/01/29/baker-small-biz-covid-19-aid-program-is-largest-in-the-u-s-48465/) - Massachusetts small businesses to receive more relief in new COVID-19 aid program.
- [Chamber: Quarter of Young People plan to leave Greater Boston](https://agencychecklists.com/2026/04/27/greater-boston-young-residents-leaving-survey-81495/) - A new survey finds 26% of young Greater Boston residents plan to leave within five years, citing housing costs, jobs, and affordability concerns.
- [2026 InsurSec Report: Average Ransoware Loss Now $441,000](https://agencychecklists.com/2026/04/27/cyber-claims-2025-at-bay-report-81534/) - New data from At-Bay shows rising cyber claim severity, ransomware losses, and third-party liability driving structural changes in risk.
- [Liberty Mutual Retires Safeco Brand, Consolidates Personal Lines Under Single Name](https://agencychecklists.com/2026/04/27/liberty-mutual-retires-safeco-brand-81532/) - Liberty Mutual retires Safeco brand, consolidating personal lines under one name while maintaining agent relationships and existing policies.
- [OPTIS: Insurance Agency M&A Down 6% in Q1 2026, With Signs of Stabilization](https://agencychecklists.com/2026/04/27/insurance-agency-ma-q1-2026-optis-report-81541/) - OPTIS reports 148 insurance agency M&A deals in Q1 2026, down 6%, with private equity buyers driving activity and signs the market may be stabilizing.
- [TrustedChoice.com to Rebrand as Momentum Edge on June 1st](https://agencychecklists.com/2026/04/28/trustedchoice-rebrands-momentum-edge-81565/) - TrustedChoice.com to rebrand as Momentum Edge on June 1, expanding its technology platform for independent agents with data-driven matching and workflow tools.
- [Davis & Towle Insurance Group Announces Partnership with The Insurance Source](https://agencychecklists.com/2026/02/09/davis-towle-insurance-group-announces-partnership-with-the-insurance-source-80066/) - Latest addition to the Davis & Towle Group’s growing list of affiliated independent insurance agencies
- [First in the Nation: New Hampshire Insurance Department Marks 175 Years of National Leadership](https://agencychecklists.com/2026/01/26/first-in-the-nation-new-hampshire-insurance-department-marks-175-years-of-national-leadership-79338/) - First State to Establish a Formal Insurance Regulatory Authority
- [Starkweather & Shepley Welcomes DiMatteo Insurance Brokers](https://agencychecklists.com/2026/01/12/rhode-islands-starkweather-shepley-welcomes-dimatteo-insurance-brokers-llc-79128/) - Starkweather & Shepley acquires DiMatteo Insurance Brokers, an independent insurance agency based in East Hartford, Connecticut.
- [Healey offers $305M response to stiffer global competition](https://agencychecklists.com/2026/04/27/mass-wins-act-economic-development-bill-2026-81553/) - Maura Healey proposes a $305M economic development bill to cut startup fees, expand tax credits, and attract investment to Massachusetts.
- [King Risk Partners Announces Addition of Michael Christian to Its Board of Directors](https://agencychecklists.com/2026/04/27/king-risk-partners-announces-addition-of-michael-christian-to-its-board-of-directors-81528/) - Risk Strategies founder Michael Christian joins King Risk Partners’ board, bringing brokerage growth and M&A experience following Brown & Brown deal.
- [AIG Completes Its Planned CEO Transition Plan](https://agencychecklists.com/2026/04/27/eric-andersen-aig-ceo-zaffino-executive-chair-81520/) - AIG names Eric Andersen CEO effective June 1, 2026, with Peter Zaffino becoming Executive Chair, completing the insurer’s leadership transition.
- [Andrew Drayer Joins Patriot Growth Insurance Services as Northeast Regional President](https://agencychecklists.com/2026/04/27/andrew-drayer-patriot-growth-northeast-president-81515/) - Andrew Drayer joins Patriot Growth Insurance Services as Northeast regional president, bringing leadership experience from HUB International and MAPFRE.
- [In Memoriam: David H. Knight, 1936-2026](https://agencychecklists.com/2026/04/27/in-memoriam-david-h-knight-1936-2026-81510/) - A member of the Massachusetts insurance industry, Mr. Knight is the former owner and operator of the Knight Insurance Agency.
- [Unemployment Ticked Back up in February, to 4.8%](https://agencychecklists.com/2026/04/27/massachusetts-jobs-february-2026-decline-81500/) - Massachusetts lost 7,200 jobs in February as unemployment rose to 4.8%. State data shows sector losses, labor force decline, and economic policy response.
- [Paley: AI Skills Race is on for Workers, Industries](https://agencychecklists.com/2026/04/13/massachusetts-ai-workforce-development-81399/) - Massachusetts AI workforce development efforts expand as officials push training and adoption to compete in the AI economy and close growing skills gaps.
- [ACORD: Carrier M&A Has Become a Smaller-Volume, Higher-Risk Game](https://agencychecklists.com/2026/04/13/acord-insurance-merger-acquisition-report-2026-81431/) - Fewer deals are getting done, but the stakes are higher
- [Connecticut Insurance Department Launches Updated Captive Division Website with Eligibility Tool](https://agencychecklists.com/2026/04/14/connecticut-captive-insurance-website-update-81465/) - Connecticut launches an updated captive insurance website with eligibility tools, SLOs, and clearer regulatory guidance for insurers and stakeholders.
- [Don’t be Scammed – The Bureau of Insurance Warns Public of False Websites Claiming to Represent the Fortify Maine Homes Program](https://agencychecklists.com/2026/04/14/maine-fortify-homes-program-scam-alert-81470/) - The Bureau of Insurance is alerting consumers to a new scam involving false websites claiming to represent the Fortify Maine Homes roof replacement program.
- [Risk Strategies Sues Defecting Directors in Latest Brown & Brown Poaching Dispute](https://agencychecklists.com/2026/04/14/risk-strategies-lawsuit-producer-poaching-connecticut-81472/) - Risk Strategies sues former producers and Marshall & Sterling after broker of record changes moved $900K in accounts following a coordinated departure.
- [Connecticut Bill Would Impose 5% Surcharge on Fossil Fuel Infrastructure Insurance Policies](https://agencychecklists.com/2026/04/14/connecticut-fossil-fuel-insurance-surcharge-81478/) - Connecticut bill sSB 453 would impose a 5% surcharge on fossil fuel infrastructure insurance policies to fund climate resilience efforts.
- [Senate Confirms Josh Hershman as Insurance Commissioner](https://agencychecklists.com/2026/04/14/senate-confirms-josh-hershman-as-insurance-commissioner-81458/) - Connecticut Senate confirms Josh Hershman as Insurance Commissioner following unanimous approval of Senate Resolution 8 (2026).
- [Senate Extends 20-Cent Fee on Ride Services](https://agencychecklists.com/2026/04/14/massachusetts-rideshare-fee-debate-2026-81425/) - Massachusetts lawmakers move to extend the rideshare fee as debate grows over raising or restructuring the per-ride charge before its 2027 sunset.
- [Liberty Mutual Insurance Elects Jacqui Canney to the Company’s Board of Directors](https://agencychecklists.com/2026/04/14/liberty-mutual-jacqui-canney-board-appointment-81420/) - Liberty Mutual appoints ServiceNow executive Jacqui Canney to its board, citing her expertise in workforce strategy, transformation and AI enablement.
- [Liberty Mutual Establishes $600 Million Foundation Endowment to Fund Long-Term Community Investments](https://agencychecklists.com/2026/04/14/liberty-mutual-establishes-600-million-foundation-endowment-to-fund-long-term-community-investments-81407/) - Liberty Mutual establishes a $600M Foundation endowment to fund long-term community investments in housing, workforce development, and climate resiliency.
- [Accord Gives Governor Control of Downsized Cannabis Commission](https://agencychecklists.com/2026/04/13/massachusetts-cannabis-control-commission-reform-81409/) - Massachusetts cannabis control commission reform advances with new structure, expanded licenses, and regulatory changes impacting the marijuana industry.
- [Recruiting Producers: What Massachusetts P&C Agencies Must Offer in 2026](https://agencychecklists.com/2026/04/07/massachusetts-insurance-producers-recruiting-81121/) - Recruiting Massachusetts insurance producers requires tech tools, strong benefits, and clear career paths as agencies compete for talent in a tight P&C market.
- [Senate Unanimously Approves Bill to Lift Mass. Farms](https://agencychecklists.com/2026/04/07/massachusetts-farms-reform-bil-81118/) - Massachusetts agriculture bill advances with agritourism zoning exemptions, tax benefits, and new programs to support farms and expand local food access.
- [Internship Program Targets Tech Grads, Startup Founders](https://agencychecklists.com/2026/04/07/massachusetts-techgeneration-talent-program-81107/) - Massachusetts tech talent retention effort launches TechGeneration program to keep graduates in-state through internships, housing support, and career development.
- [Liberty Mutual Insurance Announces New Leadership Structure to Align Global Risk and Capital Capabilities](https://agencychecklists.com/2026/04/07/liberty-mutual-barbalat-president-grs-81101/) - Liberty Mutual Barbalat appointment names him president of Global Risk & Capital Solutions, aligning GRS and investments under a new leadership structure.
- [Insurers Signal Stable Hiring Outlook, With Modest Growth Expected](https://agencychecklists.com/2026/04/07/insurance-labor-market-study-2026-hiring-trends-81073/) - New insurance labor market study finds 93% of insurers plan to maintain or grow staff in 2026, with hiring focused on technology, claims and underwriting roles.
- [MAIA Debuts Insurance Career Pathway Program to Attract New Talent](https://agencychecklists.com/2026/04/06/maia-insurance-career-pathway-massachusetts-81079/) - MAIA launches a scholarship-funded insurance career pathway program to train and license new insurance professionals to help Massachusetts agencies.
- [US Property/Casualty Rating Affirmations Rose in 2025](https://agencychecklists.com/2026/04/06/am-best-pc-ratings-upgrades-2025-81075/) - AM Best P&C ratings show upgrades outpaced downgrades in 2025, driven by strong commercial lines performance and improved underwriting results.
- [InsurOp-Ed: Why Insurance Needs to Rethink Its Talent Story in 2026](https://agencychecklists.com/2026/04/06/insurance-workforce-shortage-risk-81010/) - Insurance workforce shortage is emerging as an operational risk, with talent gaps affecting claims handling, innovation, and growth across the industry.
- [Massachusetts Traffic Fatalities Decline in 2025, Tracking National Improvement](https://agencychecklists.com/2026/04/06/massachusetts-traffic-fatalities-2025-nhtsa-81045/) - Massachusetts traffic fatalities saw a 3% decrease from 2024, according to NHTSA data. Nationally, fatalities declined 6.7% year over year.
- [January Additions Mark Four Straight Months of Job Growth](https://agencychecklists.com/2026/04/06/massachusetts-job-growth-report-january-2026-81017/) - Massachusetts job growth report shows an increase in January, but the overall unemployment rate remains below last year's level and behind the national rate.
- [Verisk AI Study Finds Many Would Alter Image For Insurance Claim](https://agencychecklists.com/2026/03/31/ai-claims-manipulation-insurance-fraud-80973/) - A Verisk study finds AI-driven insurance fraud is increasing, with more consumers willing to manipulate claims and insurers struggling to detect altered documents and deepfakes.
- [Climativ Launches New Climate Risk Platform For P&C Insurers](https://agencychecklists.com/2026/03/30/climate-risk-platform-insurers-climative-80946/) - Climative launches a climate risk platform offering property-level analytics, adaptation plans, and homeowner engagement tools for insurers.
- [BL Insurance Fraud: New Bedford Broker Couple Pleads Guilty to $750K Premium Scheme”](https://agencychecklists.com/2026/03/30/insurance-premium-fraud-bl-insurance-80951/) - A New Bedford insurance brokerage couple pled guilty to a $750,000 insurance fraud scheme, involving fictitious binders and unpaid policies affecting clients.
- [Who Pays First? Federal Court Says a Catch-All Clause Won’t Make You Excess](https://agencychecklists.com/2026/03/30/massachusetts-cgl-other-insurance-dispute-80943/) - A Massachusetts federal court ruled that a blanket ‘other insurance’ clause cannot convert a CGL policy to excess coverage, clarifying the SJC’s framework in Selective v. Scottsdale.
- [A Feast Without the Fiasco: Tips to Help Policyholders Host Safely This Thanksgiving](https://agencychecklists.com/2025/11/25/a-feast-without-the-fiasco-tips-to-help-policyholders-host-safely-this-thanksgiving-78518/) - Agents can play an important role in helping clients prepare by reviewing their coverage, emphasizing safety precautions, and ensuring that protection is in place before the first guest arrives.
- [Court Allows Lawsuit Over Legality Of Progressive’s “Binding Restrictions"](https://agencychecklists.com/2025/12/08/court-allows-lawsuit-over-legality-of-progressives-binding-restrictions-78618/) - The “Binding Restriction” at Issue
- [Not Settling A “Reasonably Clear” Case Results in A $90 Million 93A Finding Against Liberty](https://agencychecklists.com/2025/12/15/not-settling-a-reasonably-clear-case-results-in-a-90-million-93a-finding-against-liberty-78702/) - The case dates back to the 2014 Longfellow Bridge Rehabilitation Project
- [Why Parents’ Policy Didn’t Cover Daughter-in-Law’s Dog in Marshfield](https://agencychecklists.com/2025/12/15/why-parents-policy-didnt-cover-daughter-in-laws-dog-in-marshfield-78714/) - Does Purchasing a Home For a Child Make Parents Part of the Household on an Insurance Policy?
- [No PIP Coverage in “Near Miss” Pedestrian Claim](https://agencychecklists.com/2026/01/12/no-pip-coverage-in-near-miss-pedestrian-claim-79139/) - Appellate Court Decision Argues a “Near Miss” Causing Injury Should Trigger No-Fault Benefits, Same as a Direct Collision Would
- [When Does Knowledge of One Claim Preclude Coverage for All? The First Circuit Sets a New Boundary](https://agencychecklists.com/2025/09/15/when-does-knowledge-of-one-claim-preclude-coverage-for-all-the-first-circuit-sets-a-new-boundary-76840/) - Agency Checklists' Owen Gallagher analyzes a recent legal decision by The First Circuit
- [First Circuit Decision: Additional Insured’s “Direct Liability” Voids a Defense](https://agencychecklists.com/2025/09/22/first-circuit-decision-additional-insureds-direct-liability-voids-a-defense-76857/) - A New First Circuit Provides Insurance Agents and Their Insureds a Reminder of the Limited Scope of "Additional Insured" Coverage
- [Underinsured Ruling: Court Denies Coverage for Death After Taxi Ride](https://agencychecklists.com/2025/09/29/underinsured-ruling-court-denies-coverage-for-death-after-taxi-ride-77298/) - A Christmas Party Ends in Tragedy
- [The SPARTA v. PGIC Ruling: 4 Takeaways on Indemnity & Risk](https://agencychecklists.com/2025/10/06/the-sparta-pgic-ruling-77560/) - Risk Management is Often a Complex Game of Contractual Chess
- [Breaking: MBTA Wins Right to Claim Triple Damages Against Insurers](https://agencychecklists.com/2025/10/20/breaking-mbta-wins-right-to-claim-triple-damages-against-insurers-77773/) - The Project, The Default, and The Denial
- [How Massachusetts's New Pay Law Will Give Large Agencies a 30% Hiring Advantage](https://agencychecklists.com/2025/10/26/how-massachusettss-new-pay-law-will-give-large-agencies-a-30-hiring-advantage-77905/) - New Law Fundamentally Changes Rules for Many Massachusetts Employers
- [Insurer’s Tender of Interest Bars $6.75 Million Treble Damage Claim](https://agencychecklists.com/2025/11/18/insurers-tender-of-interest-bars-6-75-million-treble-damage-claim-78308/) - Procedural Chess Match Follows Plaintiff’s 93A demand Seeking Treble Damages of $6.75 million in a Personal Injury Liability Suit
- [Homeowners' Denied Judgment On The Pleadings In Their $107K Showerhead Leak Coverage Claim](https://agencychecklists.com/2025/09/08/homeowners-denied-judgment-on-the-pleadings-in-their-107k-showerhead-leak-coverage-claim-76692/) - A Cracked Shower Pan and a Six-Figure Claim
- [Litigating Coverage Dispute Irrelevant: Insured Must Complete Statutory Reference First](https://agencychecklists.com/2025/08/18/litigating-coverage-dispute-irrelevant-insured-must-complete-statutory-reference-first-76571/) - The Dispute: A $13 Million Difference
- [Navigating the Maze of Massachusetts' New Junk Fee Regulation](https://agencychecklists.com/2025/08/11/navigating-the-maze-of-massachusetts-new-junk-fee-regulation-a-guide-for-pc-professionals-76547/) - A Practical Guide for P&C Professionals
- [First Circuit Reinstates Bad Faith Claim, Exposing Insurer to Treble Damages After a $2.65M Offer on a $7.5M Case](https://agencychecklists.com/2025/08/04/first-circuit-reinstates-bad-faith-claim-exposing-insurer-to-treble-damages-after-a-2-65m-offer-on-a-7-5m-case-76471/) - A Case Involving a Catastrophic Accident and a Clear-Cut Claim
- [Plumber's $2.2 Million Insurance Scheme Unravels After a Stupid Mistake](https://agencychecklists.com/2025/07/28/plumbers-2-2-million-insurance-scheme-unravels-after-a-stupid-mistake-76390/) - The fatal flaw in his multi-million-dollar scheme: paying the insurance premiums for 104 phony policyholders with his own company's credit card.
- [United States District Court for the District of Massachusetts Finds Coverage for Water Loss Resulting from Roof Drain System, Holding that Policy Itself Creates Ambiguity Over the Meaning of "Drain"](https://agencychecklists.com/2025/07/28/united-states-district-court-for-the-district-of-massachusetts-finds-coverage-for-water-loss-resulting-from-roof-drain-system-holding-that-policy-itself-creates-ambiguity-over-the-meaning-of-drain-76378/) - A case involving a Medford Apartment Building's roof drain system.
- [The $20 Million E&O Lawsuit That Fell Apart Over Discovery and Expert Failures](https://agencychecklists.com/2025/07/21/the-20-million-eo-lawsuit-that-fell-apart-over-discovery-and-expert-failures-76296/) - The Superior Court's Business Litigation Session dismisses a high-stakes broker negligence claim after the plaintiff fails to prove its legal fees with admissible evidence.
- [Insurer Not Liable for $118,000 Storage Bill For Vehicle Held as Police Evidence](https://agencychecklists.com/2025/07/14/insurer-not-liable-for-118000-storage-bill-for-vehicle-held-as-police-evidence-76186/) - SJC Provides Definitive Answer To A Common Question for The Insurance Industry
- [What Insurance Agents Need to Know About OEM Glass Denials](https://agencychecklists.com/2025/06/23/what-insurance-agents-need-to-know-about-oem-glass-denials-76125/) - Allstate Auto Glass Has Been family owned & operated in Massachusetts for two generations
- [Splitting One Fire Claim into Three Suits Leads to Dismissal](https://agencychecklists.com/2025/06/16/splitting-one-fire-claim-into-three-suits-leads-to-dismissal-76069/) - LaBranche v. United States Liability Insurance Demonstrates Claim-Splitting Doctrine's Power to Prevent Piecemeal Litigation
- [Why Cyber Insurance Isn’t Optional: Practical Talking Points for Agents in 2025](https://agencychecklists.com/2025/06/09/why-cyber-insurance-isnt-optional-practical-talking-points-for-agents-in-2025-76021/) - Tips On Creating A a practical Path to More Effective Sales Conversations
- [Mass. Insurance Employers: A Hidden Trap That Could Cost You $500 Per Applicant](https://agencychecklists.com/2025/06/02/mass-insurance-employers-a-hidden-trap-that-could-cost-you-500-per-applicant-75990/) - Four-Decade-Old Law Sparks Wave of Class Action Litigation
- [Obvious Warning Signs Defeats Attorney's Professional Liability Coverage](https://agencychecklists.com/2025/05/19/obvious-warning-signs-defeats-attorneys-professional-liability-coverage-75855/) - Case Revolves Around an Attorney Who Found Himself on Both Sides of a Contentious Business Dispute
- [The $800,000 Mistake: How Interest Timing Cost Lloyd's Big](https://agencychecklists.com/2025/05/12/the-800000-mistake-how-interest-timing-cost-lloyds-big-75733/) - Lawsuit Stems From a 2016 Fire in Northampton Damaging Two Historic Buildings
- [Feds Sue Insurers and Brokers for Illegal Kickback Scheme](https://agencychecklists.com/2025/05/05/feds-sue-insurers-and-brokers-for-illegal-kickback-scheme-75604/) - A case involving a 217-page complaint alleging six national insurers and brokerages orchestrated a kickback scheme targeting Medicare Advantage beneficiaries.
- [Commission Disclosure Trial Ends With A Split Decision](https://agencychecklists.com/2025/04/29/commission-disclosure-trial-ends-with-a-split-decision-75435/) - A case study for Massachusetts professionals who market insurance-based annuities alongside investment advisory services.
- [Subro Win: City's Discretion Defense Under Tort Claim Act](https://agencychecklists.com/2025/04/14/subro-win-citys-discretion-defense-under-tort-claim-act-75353/) - Citation Insurance Company, As Subrogee Sued Chicopee After a City-Owned Tree Fell and Damaged Its Insured's Home
- [The Insurance Agent’s Guide to ADAS Windshield Calibration: Why It Matters More Than Ever](https://agencychecklists.com/2025/03/31/the-insurance-agents-guide-to-adas-windshield-calibration-why-it-matters-more-than-ever-75134/) - Allstate Auto Glass is a Family-Owned Business Based in Mass.
- [Follow-Form Fail: How an Ambiguous Clause Cost One Insurer](https://agencychecklists.com/2025/03/25/follow-form-fail-how-an-ambiguous-clause-cost-one-insurer-75049/) - Massachusetts Appeals Court Rules on Ambiguous Follow-Form Provision in an Excess Policy
- [E&O Suit Dismissed: No Specific Promise-No Special Relationship](https://agencychecklists.com/2025/03/18/eo-suit-dismissed-no-specific-promise-no-special-relationship-74930/) - Case Involving a Boston Biotech Executive Whose Yacht Sank Another Boat in Greece
- [When "You" Means Your Spouse: Appeals Court Reverses Insureds' Win](https://agencychecklists.com/2025/02/24/when-you-means-your-spouse-appeals-court-reverses-insureds-win-74582/) - Sometimes the Meaning of the Simplest Word Can Determine Liability for Substantial Damages
- [No Chapter 93A Liability When Insurers Refuse Additional Insured Coverage to Each Other's Insureds](https://agencychecklists.com/2025/02/10/no-chapter-93a-liability-when-insurers-refuse-additional-insured-coverage-to-each-others-insureds-74415/) - A Fatal 2019 Construction Accident at MIT and the Ensuing Litigation
- [Inherent Diminished Value: No Coverage in 2016 Auto Policy Form](https://agencychecklists.com/2025/02/03/inherent-diminished-value-no-coverage-in-2016-auto-policy-form-74318/) - Third-party Property Damage Claimants Still Have The Right To Collect IDV Damages
- [Breaking: Corporate Transparency Act Frozen by Courts - What Massachusetts Businesses Need to Know Now](https://agencychecklists.com/2025/01/05/breaking-corporate-transparency-act-frozen-by-courts-what-massachusetts-businesses-need-to-know-now-73882/) - Law's Rollout Has Become Increasingly Complex Due to Court Decisions
- [Massachusetts CGL Coverage Split: First Circuit's New Ruling Changes Risk Landscape](https://agencychecklists.com/2024/12/09/massachusetts-cgl-coverage-split-first-circuits-new-ruling-changes-risk-landscape-73688/) - SJC Case Involving A Complex Construction Management Dispute
- [AmGuard's Unique Endorsement Leads To Both Coverage and 93A Liability](https://agencychecklists.com/2024/11/18/amguards-unique-endorsement-leads-to-both-coverage-and-93a-liability-73441/) - Court Decision Delivers Message About Policy Interpretation and Claims Handling to Massachusetts Property Insurers
- [176D Claim Violation: Zurich Hit With A $2.8m Penalty](https://agencychecklists.com/2024/10/22/176d-claim-violation-zurich-hit-with-a-2-8m-penalty-72894/) - Underlying Case Involved a 2014 Motorcycle Accident in Billerica
- [No Duty to Defend? New Case Sheds Light on Indemnity-Only Coverage](https://agencychecklists.com/2024/10/07/no-duty-to-defend-new-case-sheds-light-on-indemnity-only-coverage-72689/) - A Case Highlighting the Different Rules Between Duty to Defend vs. Indemnity Liability Policies
- [Nominations Now Open For The Insurance Library's 2024 Insurance Professional of the Year Award](https://agencychecklists.com/2024/05/08/nominations-now-open-for-the-insurance-librarys-2024-insurance-professional-of-the-year-award-71051/) - Individuals Have Until June 7th to Submit Their Nomination
- [Strict Notice Rule Prevails: First Circuit's Message to Massachusetts Insureds](https://agencychecklists.com/2024/09/24/strict-notice-rule-prevails-first-circuits-message-to-massachusetts-insureds-72479/) - Ruling Underscores Importance of Timely Reporting Claims-Made Policies
- [Appeals Court Rules Construction Defects Have No CGL Coverage](https://agencychecklists.com/2024/09/16/appeals-court-rules-construction-defects-have-no-cgl-coverage-72364/) - Case Involves Dispute Over Construction of a Single-Family Home in Marblehead
- [Insurers Win Big: SCOTUS Grants 'Party in Interest' Status in Bankruptcies](https://agencychecklists.com/2024/06/24/insurers-win-big-scotus-grants-party-in-interest-status-in-bankruptcies-71496/) - A Landmark Ruling Affecting Commercial Liability Insurers Nationwide
- [Even Whitey Bulger's Crimes End in Insurance Coverage Disputes](https://agencychecklists.com/2024/06/24/even-whitey-bulgers-crimes-end-in-insurance-coverage-disputes-71528/) - Town of Braintree sues multiple insurance carriers for coverage for wrongful conviction claim by man framed by Bulger
- [The Cost In Using Uber: Losing Your Right to Sue](https://agencychecklists.com/2024/07/01/the-cost-in-using-uber-losing-your-right-to-sue-71604/) - The Fine Print: What Users Accept When Using Uber's App
- [InsurOp-Ed: Shrinkflation and Insurance](https://agencychecklists.com/2024/09/09/insurop-ed-shrinkflation-and-insurance-72249/) - Thoughts on Shrinkflation in the Insurance Industry
- [Court Upholds Exclusion: $750K Defense Costs Lost](https://agencychecklists.com/2024/09/08/court-upholds-exclusion-750k-defense-costs-lost-72225/) - The Latest on a 2022 Insurance Coverage Case Brought by El Group Against Utica Mutual Insurance Company
- [Judge Rules New York Law Applies, Dismissing Harvard's Contract Claims: Leaving Negligence](https://agencychecklists.com/2024/08/19/harvards-lawsuit-against-marsh-falters-as-judge-dismisses-contract-claims-72177/) - The Latest Turns In This Complex Insurance Coverage Case
- [Marsh Files Motion to Dismiss Harvard's $15 million E&O Suit](https://agencychecklists.com/2024/01/30/marsh-files-motion-to-dismiss-harvards-15-million-eo-suit-69549/) - Marsh - Harvard Legal Battle Continues
- [What You Need To Know About The Massachusetts Insurance Certificate Law](https://agencychecklists.com/2024/02/20/what-you-need-to-know-about-the-new-insurance-certificate-law-in-massachusetts-12427/) - 2015 Statute Regulates Certificates of Insurance for the First Time in Massachusetts.
- [First Circuit Reverses Insurer's $1.8M Recovery of Settlement And Defense Costs From Insured](https://agencychecklists.com/2024/02/27/first-circuit-reverses-insurers-1-8m-recovery-of-settlement-and-defense-costs-from-insured-69983/) - First Circuit Court of Appeals Reverses a Federal District Court Ruling
- [Insurance Brokerage Abruptly Closes Amid Allegations of Converted Premiums](https://agencychecklists.com/2024/03/12/insurance-brokerage-abruptly-closes-amid-allegations-of-converted-premiums-70232/) - Insureds Start Receiving Cancellations and Direct Bills for Paid Policies
- [InSur-Op-Ed: Claim Denials and Agency Accommodations](https://agencychecklists.com/2024/03/25/insur-op-ed-claim-denials-and-agency-accommodations-70403/) - Should A Pedal-Assist E-bike Be Considered A 'Motor Vehicle'?
- [InSurOp-Ed: One of the Most Often Misinterpreted Liability Exclusions](https://agencychecklists.com/2024/04/01/insurop-ed-one-of-the-most-often-misinterpreted-liability-exclusions-70491/) - Insured Was Considering A River Cruise But Was Worried About Coverage
- [Massachusetts Court Upholds Insurer's Right to Repair or Total: What You Need to Know](https://agencychecklists.com/2024/04/02/massachusetts-court-upholds-insurers-right-to-repair-or-total-what-you-need-to-know-70525/) - New Court Case Provides Guidance On Several Key Issues Regarding Right to Repair Issue
- [Earthquake Insurance: The Time Is Now to Act As Trusted Advisors](https://agencychecklists.com/2024/04/08/earthquake-insurance-the-time-is-now-to-act-as-trusted-advisors-70635/) - Mass. Agents Acting As Trusted Advisors Might Look a Little Closer at Earthquake Insurance
- [The Pitfall of Late Notice: Harvard's $15 Million Coverage Loss](https://agencychecklists.com/2023/08/15/the-pitfall-of-late-notice-harvards-15-million-coverage-loss-67393/) - The lawsuit over Harvard’s admission policies discriminating against Asian-American applicants.
- [The LoC & Insurance: An Important Tip From A Cautionary Case](https://agencychecklists.com/2023/08/22/beware-the-loc-the-1-essential-tip-for-handling-letters-of-credit-in-insurance-67481/) - A case serving as a reminder of the significance of original documents in securing and handling LoC transactions in the insurance industry.
- [Appeal Denied: Allstate Agents' Wrongful Termination Claim Falls Flat](https://agencychecklists.com/2023/09/11/appeal-denied-allstate-agents-wrongful-termination-claim-falls-flat-67563/) - A case involving two former Allstate agents allegedly misusing confidential customer data after their termination.
- [InsurOp-Ed: The Invisible But Potentially Catastrophic Homeowners Exclusion That’s Not An Exclusion](https://agencychecklists.com/2023/09/25/insurop-ed-the-invisible-but-potentially-catastrophic-homeowners-exclusion-thats-not-an-exclusion-67811/) - Non-Residency Situations Can Arise Unexpectedly
- [Right to Include Estimated Costs In Policy Coverage Limits Reinforced](https://agencychecklists.com/2023/10/24/court-affirms-insurers-can-include-debris-removal-in-dwelling-loss-limits-68228/) - Two Recent Business Litigation Decisions Reinforced Insurers’ Right to Include Estimated Debris Removal Costs When Calculating Coverage Limits for property Losses.
- [U.S. District Court for District of Mass. Holds No Coverage for Law Firm Scammed by Fraudulent Cashier's Check](https://agencychecklists.com/2023/10/30/u-s-district-court-for-district-of-mass-holds-no-coverage-for-law-firm-scammed-by-fraudulent-cashiers-check-68348/) - Law Firm Taken in by Scam and Insurer Denies Coverage
- [A New Lawsuit: Harvard's $15 Million Dispute With Its Broker Marsh](https://agencychecklists.com/2023/10/31/a-new-lawsuit-harvards-15-million-dispute-with-its-broker-marsh-68344/) - Harvard Files Suit Against Its Insurance Broker Marsh in Wake of Zurich Coverage Suit
- [Hospital Wins Appeal for Coverage of COVID-19 Contamination Losses](https://agencychecklists.com/2024/01/23/hospital-wins-appeal-for-coverage-of-covid-19-contamination-losses-69442/) - LGH’s COVID-19 Losses Stemmed from State and Federal Public Health Directives
- [Fail To Fully Follow FCRA? You’d Better Check Your EPLI (This Case Shows Why)](https://agencychecklists.com/2024/01/29/fail-to-fully-follow-fcra-youd-better-check-your-epli-this-case-shows-why-69543/) - Key Takeaways for Employers and Insurance Professionals
- [The JMA v. Zurich Appeals Court Ruling: A Warning Against Insurers' Delayed Payment of Insureds' Legal Fees"](https://agencychecklists.com/2023/04/04/the-jma-v-zurich-appeals-court-ruling-a-warning-against-insurers-delayed-payment-of-insureds-legal-fees-65454/) - Appeals Court Clarifies Insurers Rights insureds in dealing with an Insurers Right to Recoup
- [InsurOp-Ed: Horrible Policy Forms and Endorsements To Avoid or Be Wary Of](https://agencychecklists.com/2023/05/15/insurop-ed-horrible-policy-forms-and-endorsements-to-avoid-or-be-wary-of-66068/) - A review of an endorsement that is being attached to CGL policies covering habitational properties in New York.
- [Legal Battle: Commerce's $6 Million Reimbursement Loss In Its Rape Settlement Suit Against Philadelphia Insurance](https://agencychecklists.com/2023/05/23/legal-battle-commerces-6-million-reimbursement-loss-in-its-rape-settlement-suit-against-philadelphia-insurance-66235/) - Commercial property insureds whose policies include this exclusion may find themselves without coverage for negligent security suits involving criminal sexual assaults committed on their premises.
- [InsurOp-Ed: 3 Sources of Coverage Gaps That Lead to Claim Disputes](https://agencychecklists.com/2022/11/22/3-sources-of-coverage-gaps-that-lead-to-claim-disputes-63006/) - Last month*, I received the following email: We are wondering if you can offer your assistance regarding a client’s loss due to a fire. The client is a tenant in a small plaza. This past Sunday a fire occurred. The client’s business suffered primarily from smoke damage. Any way, we reported the claim to the
- [An Insured's Underpayment of Loss Lawsuit Over Brookline Building Backfires](https://agencychecklists.com/2022/12/06/an-insureds-underpayment-of-loss-lawsuit-over-brookline-building-backfires-63171/) - Court Finds No Coverage and Orders Repayment of the $350K the Insured Initially Received The Appeals Court recently affirmed a decision in Anwar Faisal et al. v. United National Insurance Company that reminds one of the saying, “Be careful what you ask for. You may get it.” In this case, the insured sued to get
- [Get the Latest Legal Scoop: 2022 Case Law Update featuring 10 Fascinating Appeals and Their Final Outcomes](https://agencychecklists.com/2023/01/03/get-the-latest-legal-scoop-2022-case-law-update-featuring-10-fascinating-appeals-and-their-final-outcomes-63491/) - Further updates on 10 cases covered this year on Agency Checklists
- [Coverage for Inherent Diminished Value Dependent on Policy Version](https://agencychecklists.com/2023/01/03/coverage-for-inherent-diminished-value-dependent-on-policy-version-63475/) - A case involving an third-party auto insurance coverage claim for inherent diminished value against Amica over a damaged Acura.
- [Insured's $2 Million Claim For Loss Prevention Costs Scuttled By The Supreme Judicial Court](https://agencychecklists.com/2023/01/10/insureds-2-million-claim-for-loss-prevention-costs-scuttled-by-the-supreme-judicial-court-63612/) - A look at the Supreme Judicial Court of Massachusetts' ruling on Ken’s Foods’ common law reimbursement claim.
- [Appeals Court Reins in Superior Court's Expansion of Risk Management](https://agencychecklists.com/2023/01/31/court-limits-indemnity-agreements-reverses-237k-legal-fee-award-64017/) - Court Limits Indemnity Agreements Interpretation and Reverses $237K Legal Fee Award
- [InSurOp-Ed: Auto Insurance and Resident Adult Children](https://agencychecklists.com/2023/02/06/insurop-ed-auto-insurance-and-resident-adult-children-64183/) - Bill Wilson expounds on a question posed by an Iowa agent.
- [InSurOp-Ed: What ChatGPT Says About Exclusions in Insurance Policies...](https://agencychecklists.com/2023/02/13/insurop-ed-what-chatgpt-says-about-exclusions-in-insurance-policies-64313/) - and Why I'm Not Worried the App Will Put Me Out of a Job Any Time Soon
- [Understanding The Duty to Defend: Partington Builders v. Nautilus Ins.](https://agencychecklists.com/2023/02/28/understanding-the-duty-to-defend-partington-builders-v-nautilus-ins-64535/) - Federal Court Reaffirms Massachusetts Rule Regarding an Insurer's Duty to Defend
- [Appeals Court Decision Reopens Door To Lawsuit Against New Bedford-Based Insurance Agency](https://agencychecklists.com/2023/03/14/appeals-court-decision-reopens-door-to-lawsuit-against-insurance-agency-64843/) - A New Bedford-based agency may end up having to face a lawsuit it thought it might have avoided.
- [SJC Pinpointing Parameters of The 'Physical Abuse' Homeowner's Policy Exclusion in New Decision](https://agencychecklists.com/2023/03/28/sjc-pinpointing-parameters-of-the-physical-abuse-homeowners-policy-exclusion-in-new-decision-65332/) - Issues Second Opinion in Three Years Regarding The 'Physical Abuse' Policy Exclusion in Homeowners Liability Coverage
- [Court Rules Liability Insurer Can Recover Defense Costs & $1.5 Million Settlement from Insured](https://agencychecklists.com/2022/08/16/court-rules-liability-insurer-can-recover-defense-costs-1-5-million-settlement-from-insured-61071/) - In a case of first impression, an insured must reimburse its insurer for defense and settlement costs on an uncovered claim.
- [InSurOp-Ed: Maintaining AI Status After Completion of Work](https://agencychecklists.com/2022/09/19/insurop-ed-maintaining-ai-status-after-completion-of-work-61500/) - A new op-ed from the former director of the Big "I" Virtual University.
- [$15 Million High-Value Homeowner Policy Loss Leads Court to Rule PURE’s Reference Provision Ambiguous](https://agencychecklists.com/2022/09/20/15-million-high-value-homeowner-policy-loss-leads-court-to-rule-pures-reference-provision-ambiguous-61514/) - An insurance coverage dispute involving the total fire loss in December 2020 of a 1905 hunting lodge built by hand with unique wood and stonework and insured for over $5 million and its contents for $2.2 million
- [Court Denies MIT Prof's $146,000 Claim for Legal Cost in Avoiding a Deposition](https://agencychecklists.com/2022/09/27/ma-court-denies-mit-profs-146000-claim-for-legal-cost-in-avoiding-a-deposition-61607/) - Dr. Eager’s claim for coverage was under his homeowner policy placed with Safety Insurance.
- [Phony Pumpkin Assault Claim Gets 3 Years For Insurance Fraud](https://agencychecklists.com/2022/10/04/phony-pumpkin-assault-claim-gets-3-years-for-insurance-fraud-61746/) - A coverage case involving a work-related assault and the plastic pumpkin clue.
- [How do You Create Customer Loyalty? Why Do Consumers Stay with a Particular Agent or Carrier for Years?](https://agencychecklists.com/2022/10/17/how-do-you-create-customer-loyalty-why-do-consumers-stay-with-a-particular-agent-or-carrier-for-years-61954/) - A 2017 article on the intangibles around creating true customer loyalty.
- [Federal Court Warns Vermont Mutual About Post-Judgment Settlement Offer Less Than Verdict Being an Unfair Claim Practice](https://agencychecklists.com/2022/10/24/federal-court-warns-vermont-mutual-about-post-judgment-settlement-offer-less-than-verdict-being-an-unfair-claim-practice-62190/) - Fire in apartment and tenants' underlying lawsuit against landlord.
- [12 Tips for Selling in a Hard Market](https://agencychecklists.com/2022/10/31/12-tips-hard-market-61948/) - A hard market presents problems and opportunities. Here are 12 tips on how to best approach a potential one.
- [Patriots' Owner Sues Hiscox for Coverage on Social Media Infringement Claims](https://agencychecklists.com/2022/11/01/the-patriots-owner-sues-hiscox-for-coverage-on-social-media-infringement-claims-62488/) - Coverage case involves notices of alleged infringements by Patriots regarding social media music use.
- [Late Policy Notice to Zurich Leads To Harvard's Loss of $15 Million in Coverage](https://agencychecklists.com/2022/11/15/late-policy-notice-to-zurich-leads-to-harvards-loss-of-15-million-in-coverage-62845/) - Summary Judgement for Zurich effectively dismissed Harvard's lawsuit by The Court.
- [Failed Foray Into Massachusetts Ends In A Lawsuit For New York Agency Over Its Producer's Understanding of Salary v. Draw](https://agencychecklists.com/2022/11/22/failed-foray-into-massachusetts-ends-in-a-lawsuit-for-new-york-agency-over-its-producers-understanding-of-salary-v-draw-62977/) - A case in point about what can go wrong when an agency, its officers, and a producer being onboarded, come to loggerheads and litigation ensues.
- [What is the Best Insurance Sales Channel, Direct or Agent-Assisted?](https://agencychecklists.com/2022/04/26/what-is-the-best-insurance-sales-channel-direct-or-agent-assisted-58773/) - I was reading this article in the latest edition of the Coverager email newsletter: “The Big Bet” This was excerpted from a 2004 Berkshire Hathaway annual report: “But a man named Leo Goodwin had an idea for an even more efficient auto insurer and, with a skimpy $200,000, started GEICO in 1936. Goodwin’s plan was to eliminate
- [First State High-Court COVID-19 Decision On Business Interruption Claims](https://agencychecklists.com/2022/04/26/first-state-high-court-covid-19-decision-on-business-interruption-claims-58714/) - Dismissed by Superior Court, the restaurants took their appeal directly to the SJC.
- [5 Points On New Ruling: Unreasonable Storage Reduces ACV Payment](https://agencychecklists.com/2022/05/03/5-points-on-new-ruling-unreasonable-storage-reduces-acv-payment-58938/) - A short opinion with a disproportionate impact on first-party property damage total loss claims.
- [InSurOp-Ed: In Claim Disputes, Disregard Case Law At Your Own Risk](https://agencychecklists.com/2022/05/10/insurop-ed-in-claim-disputes-disregard-case-law-at-your-own-risk-59174/) - Mr. Wilson's latest post on the principle he refers to as “Unconscionable Advantage.”
- [Confused Voicemail Leads to E&O and Coverage Suits](https://agencychecklists.com/2022/05/24/confused-voicemail-leads-to-eo-and-coverage-suits-59333/) - SJC Construed For 1st Time Meaning of “Doing Business As” In Relation to CGL Coverage.
- [19 Quick Agency E&O Points from The Courts](https://agencychecklists.com/2022/06/07/19-quick-agency-eo-points-from-the-courts-59565/) - Agency Checklist has published over one hundred articles concerning insurance-related decisions by the Massachusetts and Federal court.
- [9 Tips for Agents Advising Insureds About Auto Body Repair Scams](https://agencychecklists.com/2022/06/13/9-tips-for-agents-advising-insureds-about-auto-body-repair-scams-59713/) - Get All the Repairs Your Insurance Company Has Paid For
- [New Rule Would Make Insurers Pay Insured For Preventing An Insured Loss](https://agencychecklists.com/2022/06/14/new-rule-would-make-insurers-pay-insured-for-preventing-an-insured-loss-59760/) - A formal request by Federal Appeals Court to the SJC to decide if insurers owe costs to prevent a covered loss.
- [$10 Endorsement Ends with Insured Paid $50,000 For Condo Loss Assessment](https://agencychecklists.com/2022/06/28/10-endorsement-ends-with-insured-paid-50000-for-condo-loss-assessment-60073/) - A seven-alarm fire at a Reading condominium complex leads to assessments and a lawsuit
- [SJC Reverses $215,000 Attorney Fee Award Found Payable Under BOP Policy](https://agencychecklists.com/2022/07/12/sjc-reverses-215000-attorney-fee-award-found-payable-under-bop-policy-60238/) - Case Highlights Risk of Uncovered Risk Product Liability Claims Brought Under G.L. c. 93A
- [Producer's Non-Compete Void Under New 2018 Law](https://agencychecklists.com/2022/07/26/producers-non-compete-void-under-new-2018-law-60552/) - Recent Business Litigation Session Decision Regarding Insurance Agency's Attempt to Enforce A Covenant Not To Compete
- [InSurOp-Ed: Another Cautionary Tale of Underinsurance](https://agencychecklists.com/2022/01/18/insurop-ed-another-cautionary-tale-of-underinsurance-56405/) - The Colorado family that lost their home was insured by Liberty Mutual.
- [SJC Hears First COVID-19 Business Interruption Coverage Appeal and Insured’s E&O Claim Against Its Agency](https://agencychecklists.com/2022/01/18/sjc-hears-first-covid-19-business-interruption-coverage-appeal-and-insureds-eo-claim-against-its-agency-56411/) - The appeal seeks business interruption coverage and E&O damages against its insurance agent.
- [Appeals Court Decision May Require Utica To Pay Insured's Legal Fees of $750,000](https://agencychecklists.com/2022/01/25/appeals-court-decision-may-require-utica-to-pay-insureds-legal-fees-of-750000-56515/) - Recent Appeals Court Case Highlights Legal Rules Around Finding a Duty to Defend
- [InSurOp-Ed: On Policyholder Attorneys and Public Adjusters](https://agencychecklists.com/2022/01/31/insurop-ed-on-policyholder-attorneys-and-public-adjusters-56610/) - This coming June marks the beginning of my 54th year in the insurance industry.
- [Mass. Appeals Court Reaffirms Rigid No-Prejudice Notice Rule for Claims-Made Policies](https://agencychecklists.com/2022/02/01/mass-appeals-court-reaffirms-rigid-no-prejudice-notice-rule-for-claims-made-policies-56664/) - In this case, the Appeals Court was asked to rule that the addition of the language, “as soon as practicable, allowing an insured to notify the insurer about facts and circumstances that might reasonably develop into a future reportable claim" allowed for late notice.
- [MA Appeals Court Reverses $7 Million Telephone Consumer Protection Act Judgment Against Peerless Insurance’s Subsidiaries](https://agencychecklists.com/2022/02/15/ma-appeals-court-reverses-7-million-telephone-consumer-protection-act-judgment-against-peerless-insurances-subsidiaries-57127/) - TCPA prohibits the sending electronic communications without either explicit permission or a prior business relationship with the persons receiving the faxes.
- [Court Rules Zurich’s Auto Policy Provides Victim No Coverage for Rape by Tow Company Driver](https://agencychecklists.com/2022/03/01/court-rules-zurichs-auto-policy-provides-victim-no-coverage-for-rape-by-tow-company-driver-57327/) - An Accident Followed by a Sexual Assault Leads to Coverage Suit
- [InSurOp-Ed: An Agent Call To Action: Underinsurance](https://agencychecklists.com/2022/03/15/insurop-ed-an-agent-call-to-action-underinsurance-57647/) - The latest article from Mr. Wilson's blog features a guest article from John Putnam, CPCU, a Colorado insurance consultant and former agent.
- [InSurOp-Ed: The CGL Policy and Faulty Workmanship](https://agencychecklists.com/2022/04/12/insurop-ed-the-cgl-policy-and-faulty-workmanship-58491/) - Bill Wilson answers a question about the purpose and scope of a CGL policy.
- [Vermont Mutual Asks High Court to Reverse Decision $215,000 Attorney Fee Award Payable As Damages under Bodily Injury Coverage](https://agencychecklists.com/2022/04/12/vermont-mutual-asks-high-court-to-reverse-decision-215000-attorney-fee-award-payable-as-damages-under-bodily-injury-coverage-58513/) - An unusual case involving a breach of warranty claim under Chapter 93A and whether mandatory attorney fee awards apply.
- [InSurOp-Ed: When Policy Forms Don’t Do What You Think They Do](https://agencychecklists.com/2021/09/27/insurop-ed-when-policy-forms-dont-do-what-you-think-they-do-54413/) - Always remember to caveat emptor and RTFP!
- [Harvard College Sues Zurich to Overturn A Late Notice Denial of A $15 Million Policy Claim](https://agencychecklists.com/2021/10/05/harvard-uses-up-25-million-aig-policy-for-defense-costs-and-then-sues-zurich-for-15-million-more-54630/) - The underlying lawsuit involves seven years of litigation plus an addition four years involving a Department of Justice investigation over Harvard College's admissions process.
- [Supreme Court Rules Auto Policies Cover Vehicles’ Post-Repair Losses of Value](https://agencychecklists.com/2021/10/26/supreme-court-rules-auto-policies-cover-vehicles-post-repair-losses-of-value-55016/) - The SJC has issued a widely anticipated decision initiating a sea change in the property damage recoverable under the standard Massachusetts automobile policy for all insurers within the Commonwealth.
- [Seven Points Agents Should Know About Inherent Diminished Value Property Damage Claims](https://agencychecklists.com/2021/11/02/seven-points-agents-should-know-about-inherent-diminished-value-property-damage-claims-55189/) - Key Points to consider after Recent SJC Decision
- [US District Court For District of Massachusetts Holds That Broad Auto Exclusion Broadly Excludes Coverage For Auto Accident](https://agencychecklists.com/2021/11/08/us-district-court-for-district-of-massachusetts-holds-that-broad-auto-exclusion-broadly-excludes-coverage-for-auto-accident-55354/) - Attorney Nina Kallen gives her a legal analysis of a recent lawsuit involving Lynnway Auto Auctions.
- [Mass. Appeals Court Rules No Coverage For Prior-Owned Property Under Homeowners Policy](https://agencychecklists.com/2021/11/16/mass-appeals-court-rules-no-coverage-for-prior-owned-property-under-homeowners-policy-55537/) - The decision was a case of first impression in Massachusetts.
- [In A Not-Really But Supposedly Coverage Decision, SJC Holds That Police Officer Driving Recklessly For Fun Not Covered By Massachusetts Torts Claim Act](https://agencychecklists.com/2021/11/29/in-a-not-really-but-supposedly-coverage-decision-sjc-holds-that-police-officer-driving-recklessly-for-fun-not-covered-by-massachusetts-torts-claim-act-55687/) - No Protection For Reckless Driving During Training Day Under MA Tort Claims Act
- [MA Court Rules Against Insured’s Claim Its Broker Post-Loss Agreed with Insurer to Reduce Coverage](https://agencychecklists.com/2021/12/07/ma-court-rules-against-insureds-claim-its-broker-post-loss-agreed-with-insurer-to-reduce-coverage-55872/) - ForbesGallagher's Owen Gallagher analyzes a recent Superior Court case decision involving an unusual E&O claim.
- [Class Action Against GEICO Seeks Unpaid Overtime Pay For Massachusetts Claim Adjusters](https://agencychecklists.com/2021/12/14/class-action-against-geico-seeks-unpaid-overtime-pay-for-massachusetts-claim-adjusters-55999/) - The suit is pending in Federal Court in Boston.
- [InSurOp-Ed: Insurance Dog Bite Claim Data Doesn't Pass the Critical Thinking Test](https://agencychecklists.com/2022/01/11/insurop-ed-insurance-dog-bite-claim-data-doesnt-pass-the-critical-thinking-test-56238/) - A 'Letter to the Editor" on our recent article regarding the DOI's Report on Dog Bite Claims in Massachusetts.
- [At-Will Employees Fired for Disputing Negative Personnel Records Can Now Sue for Wrongful Discharge](https://agencychecklists.com/2022/01/11/at-will-employees-fired-for-disputing-negative-personnel-records-can-now-sue-for-wrongful-discharge-56244/) - Reversing the Appeals Court, the SJC issues a public policy decision on the matter.
- [MA Court Dismisses Lender’s Claim Auto Insurer’s Total Loss Calculations Violated DOI Regulation](https://agencychecklists.com/2021/07/20/ma-court-dismisses-lenders-claim-auto-insurers-total-loss-calculations-violated-doi-regulation-53113/) - Source One Financial Corporation sued GEICO seeking a declaratory judgment that GEICO’s valuations resulting from reports compiled by Certified Collateral Corporation (“CCC”) did not comply with the DOI’s regulation.
- [Supreme Court Holds Computer Fraud Act No Longer Applies to Computer Use Policies And Confidentiality Agreements](https://agencychecklists.com/2021/07/27/supreme-court-holds-computer-fraud-act-no-longer-applies-to-computer-use-policies-and-confidentiality-agreements-53229/) - In 2014, Agency Checklists first wrote about the FCAA Act which the Supreme Court has now limited in scope.
- [InSurOp-Ed: Another Certificate of Insurance Noose](https://agencychecklists.com/2021/08/10/another-certificate-of-insurance-noose-53551/) - Mr. Wilson weighs in on the issue of certificates of insurance and potential E&O issues for agents.
- [InSurOp-Ed: Fried Chicken and Customer Loyalty](https://agencychecklists.com/2021/09/20/fried-chicken-and-customer-loyalty-54176/) - Customer loyalty, and thus retention and profitability, isn’t driven by cheap prices.
- [Federal Judge’s Ruling Finds “Cheers” Bar at The Hampshire House Has No Coverage](https://agencychecklists.com/2021/09/21/federal-judges-ruling-finds-cheers-bar-at-the-hampshire-house-has-no-coverage-54269/) - The latest decision in Massachusetts involving a COVID-19 business interruption claim, brings no 'cheer' to Hampshire House.
- [Tips to Help Insureds Avoid Auto Repair Shop Fraud: Part 3](https://agencychecklists.com/2021/06/15/tips-to-help-insureds-avoid-auto-repair-shop-fraud-part-3-52369/) - Beware that shops may hold your vehicle hostage to try to collect improper and excessive fees and storage charges!
- [Daughter Denied $142,000 Loss Under Dad's Gloucester Homeowner's Policy Because Not A "Household Member" Per Policy Terms](https://agencychecklists.com/2021/06/08/daughter-denied-142000-loss-under-dads-gloucester-homeowners-policy-because-not-a-household-member-per-policy-terms-52193/) - The Massachusetts Appeals Court denied coverage for a $142,000 personal property claim arising out of a 2015 fire loss where the named insured’s daughter lived on the insured property, but did not qualify as an insured because she was not a household member.
- [ISO’s New 2022 Homeowners Program](https://agencychecklists.com/2021/05/25/isos-new-2022-homeowners-program-51941/) - A quick update from Bill Wilson's blog on the new ISO Homeowner's program debuting next year.
- [InSurOp-Ed: Beware Online COI Systems!](https://agencychecklists.com/2021/06/22/insurop-ed-beware-online-coi-systems-52573/) - This article first appear on Mr. Wilson's blog on April 5, 2021 I first addressed this issue about 15 years ago when I began writing and speaking on certificate of insurance (COI) problems that had exploded in the marketplace. However, it now seems as if we are in the middle of a second wave of
- [MA Appeals Court Affirms Dismissal Of Late E&O Claim Alleging Agent Liable For Advising Insured To Only Keep Policies For 7 Years](https://agencychecklists.com/2021/07/13/ma-appeals-court-affirms-dismissal-of-late-eo-claim-alleging-agent-liable-for-advising-insured-to-only-keep-policies-for-7-years-52895/) - Are independent agents liable for giving bad advice on how long insureds should keep their insurance policies? The MA Appeals Court weighs in.
- [InSurOp-Ed: Am I Legally Liable?](https://agencychecklists.com/2021/07/20/insurop-ed-am-i-legally-liable-53098/) - How do you answer questions like this: If ‘this’ happens, am I legally liable?
- [Employee Versus Independent Contractor: The Battle Rages On](https://agencychecklists.com/2021/05/24/employee-versus-independent-contractor-the-battle-rages-on-51815/) - The Reviewing Board of the Massachusetts Department of Industrial Accidents (DIA) once famously observed, “The issue of who is an independent contractor and who is an employee has bedeviled the bar and bench since the beginning of workers’ compensation.” MacTavish v. O’Connor Lumber Co., 6 Mass. Workers’ Comp. Rep. 174, 177 (1992). Based on recent
- [MA Court Case Resolves Carriers’ Dispute Over Common Insured Stemming From VRBO Guest Lawsuit Against Berkshire Homeowner](https://agencychecklists.com/2021/05/18/ma-court-case-resolves-carriers-dispute-over-common-insured-stemming-from-vrbo-guest-lawsuit-against-berkshire-homeowner-51619/) - The Federal court in Worcester recently decided a dispute between two insurers over how their insurance policies would apply to a serious liability suit against their common insured.
- [Mass. SJC Hears Inherent Diminished Value Recoveries For Third-Party Property Damage Claims Arguments](https://agencychecklists.com/2021/05/11/mass-sjc-hears-inherent-diminished-value-recoveries-for-third-party-property-damage-claims-arguments-51420/) - On May 5, 2021, the SJC heard an important case that could radically increase the damages that automobile insurers must pay for third-party property damage claims.
- [InSurOp-Ed: Using “Big Data” to Make Unilateral Policy Coverage Changes](https://agencychecklists.com/2021/05/10/insurop-ed-using-big-data-to-make-unilateral-policy-coverage-changes-51383/) - Bill Wilson's latest take on the rise of Big Data in insurance and the potential coverage issues its use can cause unsuspecting insureds.
- [MA Court Affirms No Coverage For Attorney Who Failed To Disclose Customary User On Auto Application](https://agencychecklists.com/2021/05/04/ma-court-affirms-no-coverage-for-attorney-who-failed-to-disclose-customary-user-on-auto-application-51220/) - The Appeals Court affirmed a judgment in favor of MetLife denying an Attorney's collision coverage for the Cadillac limousine he had bought to ferry clients to his office.
- [InsurOp-Ed: Understanding The Insurance Supply Chain](https://agencychecklists.com/2021/04/27/insurop-ed-understanding-the-insurance-supply-chain-51036/) - Both a Massachusetts independent insurance agent and an insurtech start-up co-founder, Mr. MacDonald shares his insights on the insurance supply chain with respect to insurance and insurtech.
- [Mass. Court Bars Suit Seeking Plymouth Rock To Pay Title, Registration, And Inspection Fees On Total Losses](https://agencychecklists.com/2021/04/06/mass-court-bars-suit-seeking-plymouth-rock-to-pay-title-registration-and-inspection-fees-on-total-losses-50535/) - A class action complaint against Plymouth Rock sought a ruling on regulatory costs for first-party total loss claims.A class action complaint against Plymouth Rock sought a ruling on regulatory costs for first-party total loss claims.
- [Mass. Appeals Court Reverses $4 Million Defense Verdict Over Judge Advising Jury About Insurance](https://agencychecklists.com/2021/03/30/mass-appeals-court-reverses-4-million-defense-verdict-over-judge-advising-jury-about-insurance-50249/) - Massachusetts, as opposed to many states, allows insurance companies to pursue subrogation in the name of the insured rather than in the name of the insurance company. This case is one such example.
- [Tips to Help Insureds Avoid Auto Repair Shop Fraud: Part 2](https://agencychecklists.com/2021/03/30/tips-to-help-insureds-avoid-auto-repair-shop-fraud-part-2-49918/) - Beware of written waivers!Beware of written waivers!
- [Failure To Return Auto-Renewal Questionnaire Results In Coverage Denial In Lamborghini Collision Lawsuit Due To Insurer’s “Snowbird Clause”](https://agencychecklists.com/2021/03/16/failure-to-return-auto-renewal-questionnaire-results-in-coverage-denial-in-lamborghini-collision-lawsuit-due-to-insurers-snowbird-clause-49664/) - A First Circuit Court of Appeals found that the failure to return a renewal questionnaire with updated information resulted in two Massachusetts insureds losing their optional collision and liability coverage and umbrella coverage in a Naples, Florida collision involving their Toyota Highlander and a $100,000 Lamborghini.
- [Federal Judge Dismisses Legal Sea Food’s Business Interruption Claim Against Strathmore Insurance](https://agencychecklists.com/2021/03/09/federal-judge-dismisses-legal-sea-foods-business-interruption-claim-against-strathmore-insurance-49364/) - While the suit was pending, Legal sold its Thirty-two restaurants located in Massachusetts, the District of Columbia, New Jersey, Pennsylvania, Rhode Island, and Virginia to the Medford-based owner of the Strega and Smith & Wollensky restaurants.
- [InsurOp-Ed: Time to Make Government Action Exclusions More Equitable?](https://agencychecklists.com/2021/03/09/insurop-ed-time-to-make-government-action-exclusions-more-equitable-49318/) - If your car is stolen and not recovered for months or longer, your auto policy likely pays for the ACV of your vehicle. However, if the thief commits a crime and your auto is confiscated for the months or longer required to try the case, your loss is excluded. Property policies have similar “government action” exclusions. Is it time for a change?
- [NAIC Market Share Report 2021: The Top 25 U.S. Auto Insurers](https://agencychecklists.com/2021/03/08/top-25-auto-insurers-us-2021-49336/) - Our annual look at the largest writers of the U.S. private passenger auto insurance market as ranked by premium and market share.
- [Mass. Court Rules Lexington’s Insured’s Agreement To Add Additional Insureds Not An “Insured Contract”](https://agencychecklists.com/2021/02/23/mass-court-rules-lexingtons-insureds-agreement-to-add-additional-insureds-not-an-insured-contract-49015/) - The dispute between the two insurers arose after a Haven employee had a catastrophic fall from Lanco’s scaffolding at Harvard Medical School.
- [How Agents Can Ensure Home Improvement Projects Are Reflected Properly Within Their Clients’ Homeowners Policies](https://agencychecklists.com/2021/02/23/how-agents-can-ensure-home-improvement-projects-are-reflected-properly-within-their-clients-homeowners-policies-48950/) - An InsurOp-Ed reminding agents that unbeknownst to many insureds, home renovations often warrant an update to their homeowners' policies.
- [Tips to Help Insureds Avoid Auto Repair Shop Fraud](https://agencychecklists.com/2021/02/09/tips-to-help-insureds-avoid-auto-repair-shop-fraud-part-1-48773/) - A new, multi-part series discussing several scenarios that are composites of real-life situations often requiring litigation to resolve.
- [Permanent Injunction Ends Raynham Producer's Claim Employer’s Sale Allowed Him to Compete](https://agencychecklists.com/2021/01/26/permanent-injunction-ends-raynham-producers-claim-employers-sale-allowed-him-to-compete-48335/) - #post_excerptSuit settles with the producers agreeing to permanent injunctions barring them for three years from operating an insurance business within one-hundred miles of Raynham.
- [First Circuit Holds Total Pollution Exclusion Does Not Apply Where An Endorsement May Provide Separate Grant Of Coverage](https://agencychecklists.com/2021/01/26/first-circuit-holds-total-pollution-exclusion-does-not-apply-where-an-endorsement-may-provide-separate-grant-of-coverage-48256/) - An insurance coverage lawsuit in Massachusetts confirming the importance of reading an insurance policy as a whole versus in parts.
- [InsurOp-Ed: What Does “Direct Physical Loss Of Or Damage To Property” Mean?](https://agencychecklists.com/2021/01/12/insurop-ed-what-does-direct-physical-loss-of-or-damage-to-property-mean-48118/) - An excerpt from Mr. Wilson's new book on COVID-19 insurance coverage issues Recently, I’ve read a bunch of articles touting a North Carolina pro-policyholder COVID-19 decision that, among other similar erroneous conclusions, opined that “loss of” can also mean “loss of use of.” The premise is that, under the insurer’s business income form language, “loss
- [Raynham Agent's Non-Compete Escape Clause Included In Agency Sale Still Valid After Subsequent Stock Sale](https://agencychecklists.com/2021/01/05/raynham-agents-non-compete-escape-clause-included-in-agency-sale-still-valid-after-subsequent-stock-sale-47976/) - #post_excerptA case deciding whether a non-compete clause included by the former owner of Eagle Insurance in his sale to People's United Insurance, is still valid after that agency's subsequent sale to AssuredPartners.
- [Bouncing Back: Working to Recover and Rebuild Following COVID-19](https://agencychecklists.com/2020/12/22/bouncing-back-working-to-recover-and-rebuild-following-covid-19-47792/) - An InsurOp-Ed discussing the results of a recent Bindable survey on how COVID-19 has impacted independent agents.
- [Boston Red Sox and MLB Aim Legal Beanball At Insurers With Billion-Dollar Lawsuit](https://agencychecklists.com/2020/12/08/boston-red-sox-join-billion-business-interruption-suit-against-insurers-47506/) - 30 Major League Baseball teams have filed suit against their 3 insurers seeking $1.6 billion in Business Interruption losses from the COVID-19 shutdowns.
- [MTM Insurance Acquires The Brian S. Dempsey Insurance Agency](https://agencychecklists.com/2020/12/08/mtm-insurance-acquires-the-brian-s-dempsey-insurance-agency-47477/) - Both buyer and seller are independent insurance agencies based in Haverhill.
- [Arbella Introduces Two New Cyber Protection Products In Connecticut](https://agencychecklists.com/2020/12/08/arbella-introduces-two-new-cyber-protection-products-in-connecticut-47417/) - The Quincy-based insurer launches its Home Cyber Protection and Home System Protection Coverage for the Connecticut marketplace.
- [Court Rules An Obscure Statute Cured Contract Breach For A Three-Year Delay In Undisputed Claim Payment](https://agencychecklists.com/2020/11/24/court-rules-an-obscure-statute-cured-contract-breach-for-a-three-year-delay-in-undisputed-claim-payment-47265/) - A discussion of a recent Appellate Division of the District Court ruling a little-used statute can protect an insurance entity from a breach of contract for the payment of money.
- [2020 MA Markest Share Report | Top Surplus Lines Insurers](https://agencychecklists.com/2020/11/24/2020-ma-markest-share-report-top-surplus-lines-insurers-47219/) - An analysis of the Surplus Lines insurance marketplace in Massachusetts along with a ranking of the largest insurers by premium and market share.
- [2020 MA Market Share Report | Top Burglary & Theft Insurers](https://agencychecklists.com/2020/11/17/2020-ma-market-share-report-top-burglary-theft-insurers-46216/) - An update on the Burglary and Theft line of insurance in the Massachusetts marketplace as ranked by market share and premium.
- [Time To Act As A Trusted Advisor About Earthquake Insurance?](https://agencychecklists.com/2020/11/10/time-to-act-as-a-trusted-advisor-about-earthquake-insurance-46919/) - A discussion on how independent agents might want to respond after news of the November 8th earthquake in Massachusetts.
- [InsurOp-Ed: Certificates of Insurance: What Limits to Show?](https://agencychecklists.com/2020/11/10/insurop-ed-certificates-of-insurance-what-limits-to-show-46916/) - Bill Wilson revisits a reoccurring Certificates of Insurance question he has been asked over the past 20 years.
- [MA Appeals Court Denies Ballet Master’s Claim Insurers Must Defend A Ballerina’s Sexual Abuse Suit](https://agencychecklists.com/2020/11/03/ma-appeals-court-denies-ballet-masters-claim-insurers-must-defend-a-ballerinas-sexual-abuse-suit-46842/) - After receiving the claimant and insurers' briefs, the Appeals Court issued an unusual order and ordered supplemental briefing on two issues that neither insurer had raised or argued.
- [InsurOp-Ed: Biden Tax Plan’s Impact on Insurance Agencies](https://agencychecklists.com/2020/11/01/insurop-ed-biden-tax-plans-impact-on-insurance-agencies-46803/) - A look at how a potential Biden Administration would affect independent insurance agencies both in Massachusetts and beyond
- [Insur OpEd: Four Ways To Improve Your Agency’s Digital Image In No Time At All](https://agencychecklists.com/2020/10/27/insur-oped-four-ways-to-improve-your-agencys-digital-image-in-no-time-at-all-46706/) - Quick hits to improve your prospects’ impression of your agency from our study of 100 Massachusetts agency websites.
- [DOI Extends Individual License Extensions During COVID-19 Until End of 2020](https://agencychecklists.com/2020/10/09/doi-extends-individual-license-extensions-during-covid-19-until-end-of-2020-46428/) - A new DOI Bulletin outlines the Division's response to Governor Baker's Order No. 41.
- [Atlantic Specialty Unmoors Boat Shop From Claims Of Over $150,000 Using 'Uberrimae Fidei' As A Defense](https://agencychecklists.com/2020/09/29/atlantic-specialty-unmoors-boat-shop-from-claims-of-over-150000-using-uberrimae-fidei-as-a-defense-46196/) - A Massachusetts lawsuit involving “Uberrimae fidei” and a discussion of its importance for an agent or insured dealing with a maritime policy.
- [Over $1 Billion Located Through The NAIC Life Insurance Policy Locator](https://agencychecklists.com/2020/09/22/over-1-billion-located-through-the-naic-life-insurance-policy-locator-46030/) - The NAIC's policy locator tool was first launched in November 2016.
- [$750,000 Fish Story Assault Settlement Harpoons The Homeowner Physical Abuse Exclusion](https://agencychecklists.com/2020/09/15/750000-fish-story-assault-settlement-harpoons-the-homeowner-physical-abuse-exclusion-45954/) - A family paid an uncovered $750,000 claim settlement to keep their son out of jail for an assault and battery charge occurring in Newport, Rhode Island.
- [Massachusetts Superior Court Holds Insurance Broker Has Limited Liability To Insured](https://agencychecklists.com/2020/09/15/massachusetts-superior-court-holds-insurance-broker-has-limited-liability-to-insured-45936/) - An insurance coverage lawsuit between a realty trust and its agent after a rental deal with a Salem Restaurant ends badly.
- [Massachusetts Appeals Court Reverses Workers' Compensation Assigned Risk Policy Cancellation Rule](https://agencychecklists.com/2020/08/25/massachusetts-appeals-court-reverses-workers-compensation-assigned-risk-policy-cancellation-rule-45808/) - A dispute between two insurers over which would cover the workers' compensation claims of two injured employees has resulted in an Appeals Court decision clarifying the rules applicable to the cancellation of assigned risk workers' compensation policies.
- [Start Your Engines: The 2020 Low Plate Lottery Has Begun!](https://agencychecklists.com/2020/08/12/start-your-engines-the-2020-low-plate-lottery-has-begun-45562/) - There are 100 plates available in this year's low plate lottery
- [Northern Security Estopped From Denying Coverage After 18 Years](https://agencychecklists.com/2020/08/11/northern-security-estopped-from-denying-coverage-after-18-years-45507/) - In this lawsuit, the Court found an insurer liability for an underwriting decision made twenty-eight years ago, in 1992.
- [How COVID-19 Litigation Is Evolving In Massachusetts](https://agencychecklists.com/2020/08/11/covid-litigation-massachusetts-45525/) - A Synthesis of the Current Litigation In Massachusetts Court Involving COVID-19 Claims.
- [Massachusetts Court Dismisses Nationwide Class Action Against Liberty Mutual Over Experience Modification Reporting](https://agencychecklists.com/2020/08/04/massachusetts-court-dismisses-nationwide-class-action-against-liberty-mutual-over-experience-modification-reporting-45295/) - A class-action suit against Liberty Mutual seeking damages for alleged overcharges of workers comp experience mods is dismissed.
- [Should Agents Advocate For Insureds In Claim Denials?](https://agencychecklists.com/2020/08/04/should-agents-advocate-for-insureds-in-claim-denials-45289/) - An InsurOp-Ed on the value-added sales proposition of having an agent advocate at claim time.
- [May A Mass. Statute Bar COVID-19 Business Interruption Claims?](https://agencychecklists.com/2020/07/21/may-a-mass-statute-bar-covid-19-business-interruption-claims-44938/) - An InsurOp-Ed on the Role the Massachusetts Statutory Fire Insurance Policy Could Play with Respect to COVID-19 Claims
- [Massachusetts Court Rules Insurers Cannot Subrogate A $1 Million Post-Construction Loss Because Of A Subrogation Waiver](https://agencychecklists.com/2020/06/16/massachusetts-court-rules-insurers-cannot-subrogate-a-1-million-post-construction-loss-because-of-a-subrogation-waiver-44238/) - The waiver of subrogation resulted from construction contracts for the building of Southfield Commons. an apartment building owned by the Corcoran Companies, in Weymouth.
- [Mass. Appeals Court Sends $2.6 Million E&O Suit Against Eastern Insurance Back To Superior Court](https://agencychecklists.com/2020/06/09/mass-appeals-court-sends-2-6-million-eo-suit-against-eastern-insurance-back-to-superior-court-44051/) - Insurance brokers and agents all dread a day they suddenly learn that they did not place a policy, and an uncovered loss has occurred. The silver lining for some is that even if they failed to place the policy, the policy requested would not have provided coverage for the loss.
- [The Madeleine Brooks Insurance Agency Is Acquired By The A.P. Michaud Agency, LLC](https://agencychecklists.com/2020/06/09/the-madeleine-brooks-insurance-agency-is-acquired-by-the-a-p-michaud-agency-llc-44024/) - The Madeleine Brooks Insurance Agency has been an independent insurance agency based in Lawrence since 1986.
- [Insurer Wins Lawsuit Over The Difference Between The Words: “The Insured” And “Any Insured”](https://agencychecklists.com/2020/06/02/insurer-wins-lawsuit-over-the-difference-between-the-words-the-insured-and-any-insured-43957/) - n the Phoenix case, the general contractor lost its additional insured coverage over the difference between two words in such an endorsement: "The" and "Any."
- [Class Action Filed Against The Hartford Seeking Business Interruption Coverage](https://agencychecklists.com/2020/05/19/class-action-filed-against-the-hartford-seeking-business-interruption-coverage-43760/) - A Somerville-based business has filed the class-action suit against The Hartford.
- [Legal Sea Foods Files A COVID-19 Business Interruption Coverage Suit Against Strathmore Insurance](https://agencychecklists.com/2020/05/12/legal-sea-foods-files-a-covid-19-business-interruption-coverage-suit-against-strathmore-insurance-43598/) - Since Legal only filed its complaint on May 4, 2020, Strathmore has not yet had an opportunity to respond by way of an answer, a motion to dismiss, or for judgment on the pleadings.
- [Massachusetts Court Rules On Liability Insurer Summarily Denying Chelsea Condo Coverage Based On A Complaint Alone](https://agencychecklists.com/2020/05/05/massachusetts-court-rules-on-liability-insurer-summarily-denying-chelsea-condo-coverage-based-on-a-complaint-alone-43274/) - In this First Circuit appeal, the Court outlined the fine line that distinguishes when an insurer may refuse to defend a complaint based on its allegations alone.
- [Sonsie Suit: Mass. Appeals Court Reverses Superior Court Ordering Entry Of At Least $4.5m In Punitive Damages Against Liberty Mutual](https://agencychecklists.com/2020/04/28/sonsie-suit-mass-appeals-court-reverses-superior-court-and-orders-entry-of-at-least-4-5-million-in-punitive-damages-against-liberty-mutual-43099/) - In an unusual decision, the Appeals Court has ordered the Superior Court to enter, on remand, punitive damages of not less than $4.5 million nor more than $9 million against Liberty Mutual.
- [InsurOp-Ed: Is Cleaning a Surface Contamination a “Repair”?](https://agencychecklists.com/2020/04/28/insurop-ed-is-cleaning-a-surface-contamination-a-repair-43097/) - In this latest Op-Ed from the founder and former director of the Big “I” Virtual University, Mr. Wilson analyzes repair and direct physical loss or damage as it pertains to insurance coverage.
- [Cleaning vs. Disinfecting: What’s the Difference?](https://agencychecklists.com/2020/04/28/cleaning-vs-disinfecting-whats-the-difference-43090/) - A discussion outlining the many questions surrounding the best way to protect your property from COVID-19 and its spread.
- [Will Insurers Be Required To Pay COVID-19 Business Interruption Claims?](https://agencychecklists.com/2020/04/14/will-massachusetts-require-insurers-to-pay-covid-19-business-interruption-claims-42379/) - An analysis of how the push to have business interruption insurance coverage respond to the mounting losses caused by the COVID-19 pandemic is intensifying on several fronts.
- [Insurance Library Association Of Boston Is Now Accepting Nominations For Its Annual Insurance Professional of the Year Award](https://agencychecklists.com/2020/03/17/insurance-library-association-of-boston-is-now-accepting-nominations-for-its-annual-insurance-professional-of-the-year-award-2-41679/) - The oldest remaining private library dedicated to insurance is now accepting nominations for its 2020 Insurance Professional of the Year Award.
- [Green Mountain Must Cover Death Claims That Occurred On Uninsured Premises](https://agencychecklists.com/2020/03/10/green-mountain-must-cover-death-claims-that-occurred-on-uninsured-premises-41548/) - The Supreme Judicial Court (SJC) of Massachusetts has decided what it called a "close" case, Green Mountain Insurance Company v. Wakelin.
- [In Memoriam: David J. Lane 1927 - 2020](https://agencychecklists.com/2020/02/25/in-memoriam-david-j-lane-1927-2020-41149/) - David J. Lane, a longtime independent insurance agent in Massachusetts has died. He was 92.
- [Massachusetts Highest Court Rules Insured’s Arson Does Not Bar A Coinsured’s Recovery Under Fire Policy For Chelsea Home](https://agencychecklists.com/2020/01/28/massachusetts-sjc-rules-insureds-arson-does-not-bar-a-coinsureds-recovery-under-fire-policy-40337/) - Massachusetts' highest court, SJC, has interpreted the standard Massachusetts fire policy to allow an innocent coinsured to recover their pro rata share of a loss intentionally caused by a coinsured.
- [2019 Insurance Agency Mergers & Acquisitions in Massachusetts](https://agencychecklists.com/2020/01/14/2019-insurance-agency-mergers-acquisitions-in-massachusetts-40094/) - Agency Checklists's complete list of all the insurance agency purchase and sales, as well as mergers reported on during 2019.
- [InsurOp-Ed: InsurTech Observations - Ten Years Later](https://agencychecklists.com/2020/01/07/insurop-ed-insurtech-observations-ten-years-later-39830/) - In our first Op-Ed of the new decade, Bill Suneson, the Co-founder and CEO at Bindable, takes a look back at the past decade in InsurTech.
- [Liberty Mutual Insurance Appoints Francis Hyatt Chief Sustainability Officer](https://agencychecklists.com/2020/01/03/liberty-mutual-insurance-appoints-francis-hyatt-chief-sustainability-officer-39643/) - Along with Mr. Hyatt's appointment, the company also announced its new global policy on coal underwriting and investing.
- [The Hanover Insurance Group Announces Commercial Lines Leadership Appointments](https://agencychecklists.com/2020/01/03/the-hanover-insurance-group-announces-commercial-lines-leadership-appointments-39638/) - The Hanover announced two new leadership appointments within its commercial lines business, effective January 1.
- [Arbella Promotes Michelle DiPietro to Director of Arbella Contact Centers](https://agencychecklists.com/2020/01/03/arbella-promotes-michelle-dipietro-39623/) - Ms. DiPietro is responsible for customer service, the Arbella Service Center and enterprise-wide contact center standards.
- [The Hilb Group Acquires Southborough-based G&N Insurance](https://agencychecklists.com/2019/11/05/the-hilb-group-acquires-gn-insurance-36129/) - G&N Insurance was co-founded by Matt Naimoli and Zack Gould in 2010.
- [Boston Risk Strategies Announces New CEO](https://agencychecklists.com/2019/10/11/boston-risk-strategies-announces-new-ceo-34428/) - John Mina will succeeds Founder Michael Christian, who takes role as Executive Chairman.
- [4th Look 2019: The Private Passenger Auto Insurance Marketplace in Massachusetts](https://agencychecklists.com/2019/10/08/4th-look-mass-pp-auto-marketplace-34122/) - Our latest look at the private passenger auto insurance marketplace and the Massachusetts insurers who dominate it. All the latest CAR data as of July 2019.
- [An "Award-Winning" Insurance Crossword](https://agencychecklists.com/2019/10/08/award-winning-insurance-crossword-34170/) - Another insurance-inspired crossword for our readers this week!
- [Interview with Peter Milnes, Chairman of Virtual Insurance Pro](https://agencychecklists.com/2019/04/03/interview-with-peter-milnes-chairman-of-virtual-insurance-pro-22192/) - A sponsored interview with Peter Milnes, Chairman of Virtual Insurance Pro, who discusses the ins and outs of how to outsource your agency's customer service with VIP.
- [Insurers And Agents Cannot Be Good Samaritans In Hiring Under Federal Law](https://agencychecklists.com/2017/09/26/insurers-and-agents-cannot-be-good-samaritans-in-hiring-under-federal-law-20023/) - Federal law prohibits anyone in the insurance business from employing or participating in business with a felon convicted of a crime of dishonesty or breach of trust.
- [What You Need To Know About The Employee Records Statute](https://agencychecklists.com/2016/01/05/what-you-need-to-know-about-the-employee-records-statute-13383/) - Massachusetts General Law c. 149, § 52C has a broad definition of “personnel records”.
- [SJC Affirms Auto Insurer’s Right To Disclaim Optional Liability For Excluded Operator Accident](https://agencychecklists.com/2015/10/06/sjc-affirms-auto-insurers-right-to-disclaim-optional-liability-for-excluded-operator-accident-12993/) - October 5, 2015 - Grandparents who let their grandson use their car after excluding him as an operator lose everything.
- [Agency Risk Primer: Frozen Pipes Plus A Friend Who Didn’t Watch The Heat = A Lawsuit Over An Uncovered Loss.](https://agencychecklists.com/2013/07/30/agency-risk-primer-frozen-pipes-plus-a-friend-who-didnt-watch-the-heat-a-lawsuit-over-an-uncovered-loss-10236/) - A look at a recent case involving water losses from frozen pipes in which a jury decided they were an uncovered property loss.
- [Agent's E&O Exposure Limited by Mass. Supreme Judicial Court Case](https://agencychecklists.com/2013/09/16/ma-sjc-caron-case-10508/) - 2013 Decision Reaffirming the Old, But Sometimes Forgotten, Rule That The Insured and Not The Agent is Responsible For Reading the Policy
- [Five Key Points About The Allstate Exclusive Agency Agreement](https://agencychecklists.com/2013/11/18/allstate-agency-contract-10619/) - What you need to know before signing an Allstate Exclusive Agency Agreement and starting your Allstate Agency.
- [Court Again Expands Liability Exemption Under Recreational Use Statute](https://agencychecklists.com/2014/07/14/court-again-expands-liability-exemption-under-recreational-use-statute-11635/) - July 14, 2014 - This case takes a look at the The Old North Church Case and the recreational use statute.
- [Expert: Tax Cut Impacts Hinge Greatly on Economic Strength](https://agencychecklists.com/2026/03/31/massachusetts-income-tax-cut-debate-80984/) - Critics say Massachusetts is losing its competitive edge; however, lawmakers appeared skeptical that a tax cut would move the needle.
- [In Memoriam: Saul F. Feingold, 1932-2026](https://agencychecklists.com/2026/04/06/in-memoriam-saul-f-feingold-1932-2026-81011/) - The Feingold Companies’ CEO saw the business grow over 70 years from a single-room insurance agency to a sophisticated financial services company.
- [Insiders Look Under the Hood at Health Care Cost Drivers](https://agencychecklists.com/2026/04/06/massachusetts-health-care-costs-rising-81028/) - Massachusetts health care costs are rising as patients shift to higher-cost care settings, driving spending above the state’s benchmark for a fourth year.
- [Negotiators Agree on Cannabis Regulation Reforms](https://agencychecklists.com/2026/04/06/massachusetts-cannabis-commission-overhaul-81040/) - Massachusetts cannabis commission overhaul advances as lawmakers agree on restructuring, new appointments, and expanded marijuana possession limits.
- [AM Best Affirms Credit Ratings of N&D Union Mutual Insurance Group Members](https://agencychecklists.com/2025/07/21/am-best-affirms-credit-ratings-of-nd-union-mutual-insurance-group-members-76310/) - The Two Mutual Insurers Announced an Affiliation Last Year
- [New Headlights A Headache for a Majority of Drivers](https://agencychecklists.com/2026/03/25/new-headlights-a-headache-for-a-majority-of-drivers-80713/) - A new AAA survey finds 60% of drivers struggle with LED headlight glare at night, with many saying the problem has worsened as vehicle lighting technology evolves.
- [Totalis Acquires ShoreOne To Its Coastal Homeowners Program](https://agencychecklists.com/2026/03/26/shoreone-acquisition-totalis-coastal-insurer-80720/) - Coastal Insurer, ShoreOne, Who Distributes Its Policies Via Independent Agents, Will Continue to Operate as Independent Unit Within Totalis
- [Agritourism, Local Food Access at Center of MA Senate Farm Bill](https://agencychecklists.com/2026/03/30/agritourism-local-food-access-at-center-of-ma-senate-farm-bill-80929/) - A new FARM Bill from the state Senate proposes to help Agritourism, Agricultural planning, and preservation in Massachusetts.
- [Tribal Court Bars Insurer From Denying Liability](https://agencychecklists.com/2026/02/09/tribal-court-assault-battery-suit-bars-insurer-disclaiming-liability-80084/) - The Court’s Analysis: Ripeness and the Duty to Defend/Indemnify Distinction
- [Early College Expansion Begins to Take Shape in Mass.](https://agencychecklists.com/2026/03/30/early-college-expansion-begins-to-take-shape-in-mass-80924/) - Gov. Maura Healey set a goal in January to grow early college enrollment tenfold, from about 10,000 students today to 100,000 by 2036.
- [Survey: Quarter of Greater Boston Young Professionals Ready to Leave Over Affordability Concerns](https://agencychecklists.com/2024/03/17/survey-many-young-people-ready-to-leave-boston-region-70264/) - Housing Costs and Transportation Access Emerge as Key Drivers of Potential Outmigration for Greater Boston young professionals.
- [Insurify Projects Home Insurance Premiums to Reach $3,057 in 2026](https://agencychecklists.com/2026/03/23/insurify-projects-home-insurance-premiums-to-reach-3057-in-2026-80649/) - Since 2021, home insurance rates have soared 46%, nearly three times the rate of inflation
- ["Frustrated by the Extremes," Lawmaker Urges Rent Control Talks](https://agencychecklists.com/2026/03/24/frustrated-by-the-extremes-lawmaker-urges-rent-control-talks-80688/) - Senator urges backers and opponents of rent control to "find a way to do some of both"
- [The Paradigm Shift in AI: From Chatbots to Autonomous Agents](https://agencychecklists.com/2026/03/02/from-chatbots-to-autonomous-agents-the-paradigm-shift-in-ai-80274/) - Agentic AI is moving beyond chatbots to execute workflows, automate core P&C agency tasks, and reshape operations for independent agencies.
- [Captive Insurance Growth Among Highest in Vermont's History](https://agencychecklists.com/2025/02/14/captive-insurance-formations-among-top-ten-highest-in-vermonts-history-74455/) - 2024 was a year of record growth for captive insurance in Vermont, among the state's top ten highest years of growth since enabling legislation in 1981.
- [Ben Lozier of Union Mutual Recognized as a 2025 Rising Star](https://agencychecklists.com/2025/10/24/union-mutuals-ben-lozier-named-2025-rising-star-by-vermont-business-magazine-77879/) - Mr. Lozier, Manager of Innovation & Analytics at Union Mutual, was recognized as a 2025 Rising Star by Vermont Business Magazine
- [Marsh McLennan Agency Acquires Clark Insurance, Expands Presence in New England Region](https://agencychecklists.com/2022/06/10/marsh-mclennan-agency-acquires-clark-insurance-expands-presence-in-new-england-region-59642/) - Founded in 1931, Clark Insurance is an independent agency based in Portland, Maine.
- [Hilb Group Acquires Vermont-based Paige & Campbell, Inc., Expands Market Presence and Client Offerings](https://agencychecklists.com/2022/04/28/hilb-group-acquires-vermont-based-paige-campbell-inc-expands-market-presence-and-client-offerings-58843/) - Paige & Campbell has been an independent agency based in Barre, Vermont for over 100 years.
- [Maine Insurance Bureau Secures $1.3M in Recoveries for Consumers](https://agencychecklists.com/2022/03/18/insurance-bureau-conducts-435-investigations-for-consumers-in-2021-57844/) - More Than $1.3 Million Recovered on Behalf of Mainers
- [New Hampshire Insurance Department Announces Massive Revenue Windfall Surpassing July 2021 Budget Projections](https://agencychecklists.com/2022/04/22/new-hampshire-insurance-department-announces-massive-revenue-windfall-surpassing-july-2021-budget-projections-58699/) - The New Hampshire Insurance Department Collected Nearly $30 Million More than Projected.
- [Vermont Department of Insurance Settles with Acadia Over Improper Handling of 1st Responder PTSC Claims](https://agencychecklists.com/2022/04/22/vermont-department-of-insurance-settles-with-acadia-over-improper-handling-of-1st-responder-ptsc-claims-58686/) - The DFR reached a $100,000 settlement with the insurer.
- [Vermont Captive Insurance Legislation is Signed into Law](https://agencychecklists.com/2022/06/15/vermont-captive-insurance-legislation-is-signed-into-law-59829/) - New legislation makes clear the acceptable use of parametric contracts as risk management tool
- [Maine Agency Loses Three Carrier Appointments Over Juneteenth Statement on Storefront](https://agencychecklists.com/2022/06/28/maine-agency-loses-three-carrier-appointments-over-juneteenth-statement-on-storefront-60063/) - Progressive, Allstate, and MMG Insurance announced that they were terminating their contracts with the agency.
- [Alera Group Expands Into Vermont with Acquisition of Noyle Johnson Group](https://agencychecklists.com/2022/07/22/alera-group-expands-into-vermont-with-acquisition-of-noyle-johnson-group-60448/) - The agency serves both Central Vermont and the Northeast Kingdom.
- [New Hampshire Insurance Department Fraud Unit Refers Record Number of Fraud Cases in 2022](https://agencychecklists.com/2022/07/25/new-hampshire-insurance-department-fraud-unit-refers-record-number-of-fraud-cases-in-2022-60488/) - 22 Cases of Insurance Fraud Represent Nearly $283,000 in Fraudulent Claims
- [New Hampshire Insurance Department’s Consumer Services Unit Delivers Results for Granite State Consumers During Fiscal Year 2022](https://agencychecklists.com/2022/08/19/new-hampshire-insurance-departments-consumer-services-unit-delivers-results-for-granite-state-consumers-during-fiscal-year-2022-61155/) - Consumer Services Unit Educates and Assists Consumers and Investigates Grievances
- [Jim DeVoe-Talluto promoted to Assistant Director of Captive Insurance at Vermont's Department of Financial Regulation](https://agencychecklists.com/2022/10/13/jim-devoe-talluto-promoted-to-assistant-director-of-captive-insurance-at-vermonts-department-of-financial-regulation-61894/) - Examiner-In-Charge Jim DeVoe-Talluto has been with the Captive Division since 2004.
- [InsurTech Hartford Moves to Mohegan Sun for 2023 Symposium](https://agencychecklists.com/2022/10/21/insurtech-hartford-moves-to-mohegan-sun-for-2023-symposium-62032/) - InsurTech-specific, in-person networking and education at the forefront of next year’s event.
- [Captive Insurance Growth in The State of Vermont Remains Strong](https://agencychecklists.com/2023/01/20/captive-insurance-growth-in-the-state-of-vermont-remains-strong-63758/) - Announces Another Banner Year in 2022
- [Vermont Businesses to See Decrease in Workers' Compensation Insurance for Record Seventh Year in a Row](https://agencychecklists.com/2023/02/03/vermont-businesses-to-see-decrease-in-workers-compensation-insurance-for-record-seventh-year-in-a-row-64107/) - Rate Reduction Goes Into Effect April 1st
- [MAIW’s Middlesex/Essex Chapter Is Welcoming Applications For Its Annual Scholarship Award](https://agencychecklists.com/2023/02/03/maiws-middlesex-essex-chapter-is-welcoming-applications-for-its-annual-scholarship-award-2-64110/) - Annual Scholarship Naed for Estelle Jeter
- [Union Mutual Raises Over $100,000 for Special Olympics Vermont](https://agencychecklists.com/2023/02/10/union-mutual-raises-over-100000-for-special-olympics-vermont-64263/) - This year's Union Mutual's Penguin Plunge team was comprised of 44 employees.
- [New Hampshire Insurance Department Reminds Consumers And Insurance Providers Of “Take-All-Comers” Rule](https://agencychecklists.com/2023/02/10/new-hampshire-insurance-department-reminds-consumers-and-insurance-providers-of-take-all-comers-rule-64287/) - Insurance Carriers Cannot Exclude Coverage To Owners Of Kia And Hyundai Cars, Despite National Trend Of Thefts Of Certain Vehicle Models The New Hampshire Insurance Department (NHID) reminds consumers and insurance producers that all automobile insurance carriers in New Hampshire must offer the same coverage and limits to all applicants for private passenger automobiles. This
- [New Hampshire Insurance Department Launches New Podcast Entitled "A Matter of Insurance"](https://agencychecklists.com/2023/02/16/new-hampshire-insurance-department-launches-new-podcast-entitled-a-matter-of-insurance-64420/) - Inaugural Episode to Focus on NAIC's Life Insurance Policy Locator
- [Maine's Bureau of Insurance Approves 11.9% Average Decrease in Workers Compensation Loss Costs](https://agencychecklists.com/2023/02/24/maines-bureau-of-insurance-approves-11-9-average-decrease-in-workers-compensation-loss-costs-64475/) - New Rates Go Into Effect on April 1st
- [Vermont Mutual Charitable Donations Help Local Communities](https://agencychecklists.com/2023/03/16/vermont-mutual-charitable-donations-help-local-communities-64932/) - Since 2014, Vermont Mutual's Charitable Giving Fund Has Donated More Than $3.5 Million.
- [Concord Group Moves Headquarters To Bedford, New Hampshire](https://agencychecklists.com/2023/03/30/concord-group-moves-headquarters-to-bedford-new-hampshire-65390/) - Need For New Facility Was Top Priority For Insurer
- [Insurance Bureau Recovers $1.8 Million on Behalf of 499 Mainers in 2022](https://agencychecklists.com/2023/04/13/insurance-bureau-recovers-1-8-million-on-behalf-of-499-mainers-in-2022-2-65620/) - Lost Life Insurance Policies Matched to Additional 240 Mainers Through NAIC
- [Hilb Group Grows New England Property and Casualty Presence](https://agencychecklists.com/2023/04/21/hilb-group-grows-new-england-property-and-casualty-presence-65667/) - THG continues to grow its presence throughout New England.
- [New Hampshire Experiences 12th Annual Rate Reduction in Workers’Compensation Market for 2024](https://agencychecklists.com/2023/08/18/new-hampshire-experiences-12th-annual-rate-reduction-in-workerscompensation-market-for-2024-67447/) - Historically Low Rates a Result of Improved Worker Safety
- [New Hampshire’s Insurance Department and Secretary of State Reach Settlement with Northwestern Mutual](https://agencychecklists.com/2023/09/15/new-hampshires-insurance-department-and-secretary-of-state-reachsettlement-with-northwestern-mutual-67628/) - Numerous, unlawful emails were sent from Northwestern Mutual branch offices in New Hampshire.
- [New Hampshire Insurance Department Announces Confirmation of DJ Bettencourt as Insurance Commissioner](https://agencychecklists.com/2023/09/28/new-hampshire-insurance-department-announces-confirmation-of-dj-bettencourt-as-insurance-commissioner-67870/) - Was Nominated by Governor Christopher Sununu
- [Connecticut Will See A 10% Decrease in Workers' Compensation Rates in 2024](https://agencychecklists.com/2023/11/16/connecticut-will-see-a-10-decrease-in-workers-compensation-rates-in-2024-68746/) - Connecticut Insurance Department Approves Tenth Consecutive Year of Rate Decreases
- [New Hampshire Insurance Department Urges Collaboration and Expresses Concerns Regarding Federal Insurance Office's Climate Related Data Call Proposal](https://agencychecklists.com/2023/11/30/new-hampshire-insurance-department-urges-collaboration-and-expresses-concerns-regarding-federal-insurance-offices-climate-related-data-call-proposal-68920/) - New Hampshire Insurance Department Issues Formal Response to FIO Request
- [Patriot Growth Insurance Services Expands Footprint In New England Region](https://agencychecklists.com/2023/12/15/patriot-growth-insurance-services-expands-footprint-in-new-england-region-69103/) - This is the third agency acquisition in New England for Patriot in 2023
- [Arthur J. Gallagher & Co. Acquires The Rowley Agency, LLC](https://agencychecklists.com/2024/01/18/arthur-j-gallagher-co-acquires-the-rowley-agency-llc-69383/) - The Rowley Agency is one of Northern New England's largest independent insurance agencies.
- [Montpelier to Host State’s Signature 5-K Road Race](https://agencychecklists.com/2024/05/03/montpelier-to-host-states-signature-5-k-road-race-70946/) - Vermont Corporate Cup Challenge & State Agency Race Takes Place May 16
- [Bureau of Insurance Recovers $4.5 Million on Behalf of 169 Mainers in 2023](https://agencychecklists.com/2024/05/08/bureau-of-insurance-recovers-4-5-million-on-behalf-of-169-mainers-in-2023-71076/) - Over $11 Million Recovered Since 2019
- [Maine's Big Win: Bureau of Insurance Announces Significant Rate Cuts for Workers' Compensation](https://agencychecklists.com/2024/05/17/maines-big-win-bureau-of-insurance-announces-significant-rate-cuts-for-workers-compensation-71171/) - Represents Multi-Million Dollar Reduction in Workers’ Compensation Rates
- [King Insurance Partners Announces Acquisition of Marcus Insurance](https://agencychecklists.com/2024/05/17/king-insurance-partners-announces-acquisition-of-marcus-insurance-71174/) - Marcus Insurance has served Connecticut for Four Generations
- [Vermont Prioritizes Quality Regulation in Legislature as Yearly Tradition](https://agencychecklists.com/2024/05/23/vermont-prioritizes-quality-regulation-in-legislature-as-yearly-tradition-71266/) - State Announced Updates To Captive Insurance Law
- [Connecticut Insurance Agency Joins Smith Brothers Insurance](https://agencychecklists.com/2024/07/15/connecticut-insurance-agency-joins-smith-brothers-insurance-71721/) - Smith Brothers Insurance is based in Northampton.
- [New Hampshire To Reduce Workers’ Compensation Rates in 2025](https://agencychecklists.com/2024/09/13/new-hampshire-to-reduce-workers-compensation-rates-in-2025-72294/) - This will be the 13th Annual Rate Reduction for the state
- [RI Insurance Department Weighs in on Using Vehicle History for Rating Purposes](https://agencychecklists.com/2024/09/20/ri-insurance-department-weighs-in-on-using-vehicle-history-for-rating-purposes-72426/) - Bulletin was Issued on September 9th
- [New Hampshire Insurance Department Sends Letter to Insurers Regarding Homeowner Insurance Cancellations During Freelook Period](https://agencychecklists.com/2024/10/18/new-hampshire-insurance-department-sends-letter-to-insurers-regarding-homeowner-insurance-cancellations-during-freelook-period-72892/) - Announcement Issued On October First
- [Connecticut Insurance Department Establishes Risk Mitigation & Resiliency Advisory Council To Strengthen Homes and Businesses Against Extreme Weather](https://agencychecklists.com/2024/10/25/connecticut-insurance-department-establishes-risk-mitigation-resiliency-advisory-council-to-strengthen-homes-and-businesses-against-extreme-weather-73080/) - First Public Meeting To Take Place in November
- [Connecticut Individuals & Businesses: Two Weeks Left to Apply For Federal Disaster Assistance From August Floods](https://agencychecklists.com/2024/11/07/connecticut-individuals-businesses-two-weeks-left-to-apply-for-federal-disaster-assistance-from-august-floods-73323/) - Notice Pertains To Those Living in Fairfield, Litchfield and New Haven Counties
- [Governor Lamont Announces Businesses Will Receive a 6% Decrease in Workers’ Compensation Rates in 2025](https://agencychecklists.com/2024/11/22/governor-lamont-announces-businesses-will-receive-a-6-decrease-in-workers-compensation-rates-in-2025-73516/) - Connecticut Insurance Department Approves Eleventh Consecutive Year of Rate Decreases
- [Vermont Mutual's Brody Gilbert Named Senior Vice President](https://agencychecklists.com/2024/05/03/vermont-mutuals-brody-gilbert-named-senior-vice-president-70952/) - Mr. Brody First Joined Vermont Mutual in 2017
- [Vermont DFR Issues Comprehensive Bulletin on Use of AI Systems in the Business of Insurance](https://agencychecklists.com/2024/03/15/vermont-dfr-issues-comprehensive-bulletin-on-use-of-ai-systems-in-the-business-of-insurance-70279/) - Bulletin Provides Clear Guidance For Insurers
- [New Hampshire Insurance Department and New England College Announce Second Year of Innovative Insurance Industry Course](https://agencychecklists.com/2024/01/18/new-hampshire-insurance-department-and-new-england-college-announce-second-year-of-innovative-insurance-industry-course-69406/) - Four Credit Course Scheduled To Begin in Spring 2024
- [Providence Mutual Enters Agreement with Plymouth Rock for CT & NH Auto Policies](https://agencychecklists.com/2024/11/22/providence-mutual-enters-agreement-with-plymouth-rock-for-auto-policies-73526/) - Providence Mutual Is Exiting Auto Insurance a Total of Four States
- [New Hampshire Insurance Department Releases 173rd Annual Report, Showcasing Continued Consumer Protections and Market Achievements](https://agencychecklists.com/2024/12/13/new-hampshire-insurance-department-releases-173rd-annual-report-showcasing-continued-consumer-protections-and-market-achievements-73743/) - The 173rd Edition Issued By The Department
- [New Hampshire Insurance Department Recognized with Key Roles in 2025 NAIC Committee and Task Force Assignments](https://agencychecklists.com/2025/01/31/new-hampshire-insurance-department-recognized-with-key-roles-in-2025-naic-committee-and-task-force-assignments-74287/) - Includes Prominent Role in Guiding the NAIC’s Strategic Priorities
- [Anthem Market Conduct Examination Report Results in $100k Penalty](https://agencychecklists.com/2025/05/30/anthem-market-conduct-examination-report-results-in-100k-penalty-75949/) - Anthem Also Required To Take Corrective Action for Violations
- [New Hampshire Insurance Department Issues Bulletin on Use of Aerial Imagery in Property Insurance Underwriting](https://agencychecklists.com/2025/02/20/new-hampshire-insurance-department-issues-bulletin-on-use-of-aerial-imagery-in-property-insurance-underwriting-74523/) - Issued To Clarify Appropriate Use in Property Insurance Underwriting
- [Insurance Commissioner Announces Continued Growth for The Connecticut Captive Program in 2024](https://agencychecklists.com/2025/02/14/insurance-commissioner-announces-continued-growth-for-the-connecticut-captive-program-in-2024-74459/) - Fifth Straight Year of Growth
- [Bureau of Insurance Recovers Over $5 Million on Behalf of Mainers in 2024](https://agencychecklists.com/2025/02/06/bureau-of-insurance-recovers-over-5-million-on-behalf-of-mainers-in-2024-74369/) - Life Insurance Policies Matched for 325 Mainers Through NAIC
- [New Report Shows New Hampshire Among the Most Affordable States for Auto Insurance](https://agencychecklists.com/2025/02/06/new-report-shows-new-hampshire-among-the-most-affordable-states-for-auto-insurance-74371/) - Data Comes From Insurify's 2025 Auto Insurance Trends Report
- [Maine Bureau of Insurance Approves 9.6% Average Decrease in Workers’ Compensation Loss Costs](https://agencychecklists.com/2025/03/26/maine-bureau-of-insurance-approves-9-6-average-decrease-in-workers-compensation-loss-costs-75100/) - Reduction could save Maine businesses $27 Million
- [New Hampshire Insurance Department Issues Guidance to Help Granite Staters Understand Homeowners Insurance Coverage Levels](https://agencychecklists.com/2025/04/02/new-hampshire-insurance-department-issues-guidance-to-help-granite-staters-understand-homeowners-insurance-coverage-levels-75226/) - Published New Document Outlining Differences Between Actual Cash Value (ACV) and Replacement Cost Value (RCV) When Selecting Homeowners' Insurance Coverage
- [New Hampshire Insurance Department Issues Guidance on Virtual Claims Adjustment Systems for Automobile Repairs](https://agencychecklists.com/2025/04/25/new-hampshire-insurance-department-issues-guidance-on-virtual-claims-adjustment-systems-for-automobile-repairs-75404/) - Guidance Comes in Form of Bulletin #INS 25-031-AB
- [New Hampshire Insurance Department Updates Guidance for Licensee Disclosure Requirements](https://agencychecklists.com/2025/05/01/new-hampshire-insurance-department-updates-guidance-for-licensee-disclosure-requirements-75480/) - Guidance For Insurance Producers and Adjusters in Meeting State-Mandated Requirements
- [New Hampshire Insurance Department Announces New Licensing Exam Vendor](https://agencychecklists.com/2025/05/09/new-hampshire-insurance-department-announces-new-licensing-exam-vendor-75671/) - Prometric Will No Longer Offer Licensing Exams For NH
- [Davis & Towle Insurance Group Announces Acquisition of Tobey & Merrill Insurance ](https://agencychecklists.com/2025/05/16/davis-towle-insurance-group-announces-acquisition-of-tobey-merrill-insurance-75806/) - Announced Merger of Tobey & Merrill and D.B. Warlick & Co agencies as well
- [Maine Bureau of Insurance to End Online Insurance Licensing Examinations](https://agencychecklists.com/2025/05/16/maine-bureau-of-insurance-to-end-online-insurance-licensing-examinations-75809/) - New Hampshire also announced a new licensing exam vendor earlier this month
- [New Hampshire Insurance Department Joins National Association of Insurance Commissioners in Washington, D.C.](https://agencychecklists.com/2025/05/20/new-hampshire-insurance-department-joins-national-association-of-insurance-commissioners-in-washington-d-c-75909/) - Advocated for State-Led Insurance Solutions and Market-Driven Reforms
- [Davis & Towle Insurance Group Announces Christopher Nicolopoulos to be CEO: Other Leadership Changes](https://agencychecklists.com/2025/06/03/davis-towle-insurance-group-announces-christopher-nicolopoulos-to-be-ceo-other-leadership-changes-76012/) - Mr. Nicolopoulos is the Former NH Insurance Commissioner
- [Connecticut Expands Captive Insurance Flexibility with Passage of Public Act No. 25-130](https://agencychecklists.com/2025/07/28/connecticut-expands-captive-insurance-flexibility-with-passage-of-public-act-no-25-130-76410/) - New Law Enhances Risk Management Options and Reinforces State’s Commitment to the Captive Insurance Sector
- [New Hampshire Homeowners Insurance Market Shows Strong Competition and Value, Says NHID Report](https://agencychecklists.com/2025/07/28/new-hampshire-homeowners-insurance-market-shows-strong-competition-and-value-says-nhid-report-76415/) - State Maintains Third-Lowest Premiums in New England; Market Sees Carrier Growth and Higher Coverage Ratios
- [New Hampshire Insurance Department Announces $2.9 Million Assessment Offset, $176 Million General Fund Contribution, and Key Achievements for Fiscal Year 2025](https://agencychecklists.com/2025/09/04/new-hampshire-insurance-department-announces-2-9-million-assessment-offset-176-million-general-fund-contribution-and-key-achievements-for-fiscal-year-2025-76671/) - Announcement Includes All Results for Fiscal Year 2025
- [Choice Financial Group Enters The New England Marketplace With New Hampshire Agency Acquisition](https://agencychecklists.com/2021/12/20/choice-financial-group-enters-the-new-england-marketplace-with-new-hampshire-agency-acquisition-56086/) - This is the third agency acquisition for Choice since October 2021.
- [New Hampshire Insurance Department and New England College Announce New Educational Partnership](https://agencychecklists.com/2022/10/21/new-hampshire-insurance-department-and-new-england-college-announce-new-educational-partnership-62077/) - First-of-its-kind course will provide students with the opportunity learn about the insurance industry.
- [Hilb Group Expands in RI With OceanPoint Insurance Acquisition](https://agencychecklists.com/2023/01/02/hilb-group-expands-in-ri-with-oceanpoint-insurance-acquisition-63459/) - Based in Middletown, Rhode Island, and with offices throughout the state, OceanPoint has served the southeastern New England community for more than 150 years.
- [Six Bulletins Issued by the Maine Bureau of Insurance Over the Past Year](https://agencychecklists.com/2025/09/12/a-summary-of-six-bulletins-issued-by-maine-bureau-of-insurance-over-past-year-76766/) - Summaries of each of the six bulletins from the Maine Bureau of Insurance issued from August 12, 2024, through August 18, 2025.
- [Rhode Island's Starkweather & Shepley Acquires Mass. Agency](https://agencychecklists.com/2014/05/01/rhode-islands-starkweather-shepley-acquires-mass-agency-11219/) - Rhode Island insurance brokerage firm, Starkweather & Shepley, has acquired The Dennis Rodrigues Agency of Rehoboth, which will join its East Providence office.
- [MEMIC Group to Acquire The Dakota Group, Becoming Top Workers’ Compensation Insurer in U.S.](https://agencychecklists.com/2025/09/22/memic-group-to-acquire-the-dakota-group-becoming-third-largest-multi-state-workers-comp-specialist-in-u-s-76902/) - Strategic Expansion Boosts MEMIC National Presence and Capabilities, positioning Maine insurer as the third-largest Workers’ Comp Specialist in the U.S.
- [New Hampshire Insurance Department Reports Lower Auto Premiums and Historic State Farm Dividend](https://agencychecklists.com/2026/03/11/new-hampshire-insurance-department-reports-lower-auto-premiums-and-historic-state-farm-dividend-80436/) - Regulators cite competitive market as several insurers implement rate reductions
- [Amica Announces Leadership Changes as COO Ted Murphy Retires After 45 Years](https://agencychecklists.com/2025/12/11/amica-announces-leadership-changes-as-coo-ted-murphy-retires-after-45-years-78656/) - After 45 years of dedicated service, Amica COO Murphy will retire, and Sam Palmisano will assume the COO role effective January 1st, 2026.
- [Rhode Island's Amica Celebrates 2025 Philanthropic Impact](https://agencychecklists.com/2026/03/24/amica-celebrates-2025-philanthropic-impact-80674/) - Rhode Island insurer's charitable arm, the Amica Companies Foundation, contributed nearly $6.5 million in charitable grants and sponsorships in 2025.
- [NHID Warns Drivers of Insurance Consequences Under New 100 MPH Reckless Driving Law](https://agencychecklists.com/2026/03/12/new-hampshire-insurance-department-warns-drivers-of-insurance-consequences-under-new-100-mph-reckless-driving-law-80460/) - Extreme speeding violations may lead to higher insurance premiums and long-term financial impact under the New 100 MPH Reckless Driving Law
- [Maine Bureau of Insurance Issues Guidance on Excluded Drivers in Auto Policies](https://agencychecklists.com/2026/03/24/maine-bureau-of-insurance-issues-guidance-on-excluded-drivers-in-auto-policies-80679/) - Bulletin 491 issues new guidance clarifying how insurers must handle excluded drivers in personal automobile insurance policies in Maine.
- [Governor Lamont Announces Launch of Online Climate Risk Mapping Tool for Homeowners and Businesses](https://agencychecklists.com/2025/10/03/governor-lamont-announces-launch-of-online-climate-risk-mapping-tool-for-homeowners-and-businesses-77489/) - New Tool Provides Property-Specific Risk Assessments for Flooding, Wildfires, Wind, and Extreme Heat
- [Davis & Towle Insurance Group Announces Acquisition of Tassey Group Insurance / Merger with Marshall Insurance Agency](https://agencychecklists.com/2025/10/16/davis-towle-insurance-group-announces-acquisition-of-tassey-group-insurance-merger-with-marshall-insurance-agency-77690/) - The Concord, New Hampshire-based agency has 12 offices across the state
- [Maine Has the Nation’s Lowest Auto Insurance Premiums, According to NAIC Report](https://agencychecklists.com/2025/10/17/maine-has-the-nations-lowest-auto-insurance-premiums-according-to-naic-report-77707/) - As Outlined in New NAIC Report
- [Connecticut Insurance Department Announces Fiscal Year 2025 Revenue Contributions and Key Achievements](https://agencychecklists.com/2025/11/13/connecticut-insurance-department-announces-fiscal-year-2025-revenue-contributions-and-key-achievements-78243/) - Money Collected by the CID Represents Direct Revenue to the State.
- [ShoreOne Announces Entry Into Rhode Island](https://agencychecklists.com/2025/11/13/shoreone-announces-entry-into-rhode-island-78246/) - Will Offer a Comprehensive Policy That Combines Homeowners and Full Flood Insurance for Coastal Properties
- [Bafumi Insurance Joins World Insurance Associates](https://agencychecklists.com/2025/11/20/bafumi-insurance-joins-world-insurance-associates-78348/) - Announced this month, the acquisition closed earlier this year
- [Connecticut Insurance Department Launches New Online Consumer Information Center](https://agencychecklists.com/2025/12/04/connecticut-insurance-department-launches-new-online-consumer-information-center-78562/) - Consumer Education is one of the Connecticut Insurance Departments Top Strategies This Year
- [Irish National Pleads Guilty in Rhode Island Federal Court in Home-Repair Fraud](https://agencychecklists.com/2026/01/03/irish-national-pleads-guilty-in-rhode-island-federal-court-in-home-repair-fraud-78788/) - Targeted both RI and Massachusetts Homeowners
- [New Hampshire Insurance Department Announces $185.62 Million in General Fund Contributions](https://agencychecklists.com/2026/02/02/new-hampshire-insurance-department-announces-185-62-million-in-general-fund-contributions-79597/) - Also Announced $3.34 Million in Consumer Recoveries, and Continued Regulatory Oversight in 2025
- [FM Expands Providence Footprint with Purchase of 10 Memorial Boulevard](https://agencychecklists.com/2026/02/20/fm-expands-providence-footprint-with-purchase-of-10-memorial-boulevard-80149/) - The insurer has been based in Rhode Island for nearly 200 years
- [A Statistical Illusion: Is Mass. Auto Insurance As Expensive As It Appears In The NAIC’s Report](https://agencychecklists.com/2026/03/23/a-statistical-illusion-is-mass-auto-insurance-as-expensive-as-it-appears-in-the-naics-report-80658/) - The “Bundling” Mirage: Why Massachusetts Liability Data is Unique
- [Essex/Middlesex MAIW Chapter's Annual Scholarship Now Open](https://agencychecklists.com/2021/01/29/essex-middlesex-maiw-chapters-annual-scholarship-now-open-48461/) - The Massachusetts Association of Insurance Women is one of the oldest insurance associations for women in the country
- [Is Choice-of-Law Illegal in Surplus Lines Policies](https://agencychecklists.com/2026/03/23/is-choice-of-law-illegal-in-surplus-lines-policies-80656/) - A Massachusetts insured recently lost its unfair-claims counts over a choice-of-law clause -That may not be the end of the story, however.
- [New York Law Clause Knocks Out Insured’s Right To Sue For Unfair Claim Practices](https://agencychecklists.com/2026/03/09/new-york-law-clause-knocks-out-insureds-right-to-sue-for-unfair-claim-practices-80380/) - Mass. construction manager wins the fight to keep its insurance case in Boston—but loses the right to pursue unfair claims practices damages against its insurer, Arch Specialty
- [The Andover Companies Strengthens Executive Team with Senior Leadership Appointments](https://agencychecklists.com/2026/03/22/the-andover-companies-strengthens-executive-team-with-senior-leadership-appointments-80600/) - Both Appointments were effective March 1, 2026.
- [Homeowner'Claims Satisfaction Improves Amid Shorter Repair Cycles](https://agencychecklists.com/2026/03/23/homeownerclaims-satisfaction-improves-amid-shorter-repair-cycles-80591/) - One in Five Customers Surveyed Indicated Their Claims Experience was "Not Great' However
- [Home sales down more than 10% to start 2026](https://agencychecklists.com/2026/03/23/home-sales-down-more-than-10-to-start-2026-80635/) - A Slow Start for Single-Family Home Sales in Massachusetts
- [Brazilian National Pleads Guilty in Multi-State Driver’s License Fraud Scheme](https://agencychecklists.com/2026/03/23/brazilian-national-pleads-guilty-in-multi-state-drivers-license-fraud-scheme-80641/) - Allegations Include Requesting and Accepting $450 in Cash in Parking Lot at Plymouth RMV
- [Healey Backs Hunting Expansion, Including on Sundays](https://agencychecklists.com/2026/03/24/healey-backs-hunting-expansion-including-on-sundays-80685/) - Massachusetts is one of two states with an outright ban on Sunday hunting
- [Lawmakers Skeptical About Rolling Back Recreational Marijuana Law](https://agencychecklists.com/2026/03/24/lawmakers-skeptical-about-rolling-back-recreational-marijuana-law-80682/) - Opponent of 2016 voter law says cannabis is now 'everywhere'
- [U.S. Vehicle Thefts Experience Historic Decline](https://agencychecklists.com/2026/03/22/u-s-vehicle-thefts-experience-historic-decline-80570/) - Nationwide Prevention Efforts Yield Multi-Decade Low in 2025, NICB Reports
- [Arbella Insurance Foundation Announces Total 2025 Donations and Organizations Supported Across New England](https://agencychecklists.com/2026/03/22/arbella-insurance-foundation-announces-total-2025-donations-and-organizations-supported-across-new-england-80624/) - Arbella Insurance Foundation Donated $2.4 million to Support Local Nonprofits
- [Union Mutual Commits $50,000 to Montpelier Performing Arts Hub](https://agencychecklists.com/2026/03/22/union-mutual-commits-50000-to-montpelier-performing-arts-hub-80621/) - Donation to Help Unlocking Major Foundation Gift and Advancing Historic Gary Library Acquisition
- [Simply Business Wins "SMB InsurTech Solution of the Year" in FinTech Breakthrough Awards](https://agencychecklists.com/2026/03/22/simply-business-wins-smb-insurtech-solution-of-the-year-in-fintech-breakthrough-awards-80617/) - Proprietary Solution Built on Anthropic's Claude Sonnet 4.5
- [In Memoriam: Thomas A. Lawson, 1956-2026](https://agencychecklists.com/2026/03/22/in-memoriam-thomas-a-lawson-1956-2026-80610/) - Former Chairman and CEO of FM Global
- [In Memoriam: Judy Mendolusky, 1943-2026](https://agencychecklists.com/2026/03/22/in-memoriam-judy-mendolusky-1943-2026-80607/) - A long-time member of the Massachusetts insurance industry and a former agency owner
- [Liberty Mutual Insurance Appoints Ben Johnson President, Ironshore](https://agencychecklists.com/2026/03/22/liberty-mutual-insurance-appoints-ben-johnson-president-ironshore-80596/) - Ironshore is Liberty Mutual’s Dedicated US Wholesale Specialty Division
- [Senate approves bill addressing pet sales, access](https://agencychecklists.com/2026/03/20/senate-approves-bill-addressing-pet-sales-access-80581/) - Bill Would Ban Retail Sale of Dogs, Cats, and Rabbits in Pet Shops
- [Insurance Careers 101: Personal Lines vs. Commercial Lines — What’s the Difference?](https://agencychecklists.com/2026/03/18/insurance-careers-101-personal-lines-vs-commercial-lines-whats-the-difference-80566/) - Understanding the Two Core Career Tracks—and Where These Jobs Exist in the Industry
- [Low-number MA250 Plate Lottery Drawing Lots of Interest](https://agencychecklists.com/2026/03/18/low-number-ma250-plate-lottery-drawing-lots-of-interest-80562/) - Applications are open until 5 p.m. on Friday, April 17, 2026
- [Register Your Lawnmower? No, RMV Warns of Latest Scam](https://agencychecklists.com/2026/03/13/register-your-lawnmower-no-rmv-warns-of-latest-scam-80412/) - No, the state does not want you to register your lawnmower with the RMV
- [2nd Look 2026: Market Share Report for MA Auto Insurance Marketplace](https://agencychecklists.com/2026/03/16/2nd-look-2026-market-share-report-for-ma-auto-insurance-marketplace-80468/) - A first look at the final data for the year 2025, courtesy of CAR
- [2nd Look 2026: Market Share Report for MA Commercial Auto Insurers](https://agencychecklists.com/2026/03/16/2nd-look-2026-market-share-report-for-ma-commercial-auto-insurers-80494/) - Safety Insurance ends 2025 as the largest commercial auto insurer
- [AAA Study: Fatal Hit-and-Run Crashes Reach Record High in the U.S.](https://agencychecklists.com/2026/03/16/aaa-study-fatal-hit-and-run-crashes-reach-record-high-in-the-u-s-80434/) - Nearly 5% of all traffic fatalities in Mass. from 2017 to 2023 were the result of hit-and-run crashes
- [An Undefined Word Costs Federal Insurance Its Coverage Denial](https://agencychecklists.com/2026/03/16/an-undefined-word-costs-federal-insurance-its-coverage-denial-80524/) - A case determined entirely by what the word "exhausted" means in an excess liability policy.
- [Auto Insurance Costs Climb in Massachusetts, Still Under National Benchmark](https://agencychecklists.com/2026/03/17/auto-insurance-costs-climb-in-massachusetts-still-under-national-benchmark-80522/) - Massachusetts Premiums Increase, But Still Fall Below National Average
- [In Soft Job Market, Healey Promoting Business Expansions](https://agencychecklists.com/2026/03/17/in-soft-job-market-healey-promoting-business-expansions-80550/) - Governor 'still working' on jobs bill
- [As Demand Rises, State Turning Corner in Cybersecurity Efforts](https://agencychecklists.com/2026/03/17/as-demand-rises-state-turning-corner-in-cybersecurity-efforts-80545/) - 'We are now resolving more issues than we are finding," Tech Secretary Snyder says
- [MountainOne Insurance Agency Opens Great Barrington Office; Expands Presence in Southern Berkshire County](https://agencychecklists.com/2026/03/17/mountainone-insurance-agency-opens-great-barrington-office-expands-presence-in-southern-berkshire-county-80540/) - Appointment-Only Office Will Be Staffed by Account Executive Dan Blaisdell
- [NAAIA Boston Announces 2026 Board of Directors](https://agencychecklists.com/2026/03/12/naaia-boston-announces-2026-board-of-directors-80438/) - Amber Mercer of Marsh Risk was Named President of the Association this year
- [Providence Man Pleads Guilty to Filing False Tax Returns Linked to Catalytic Converter Theft Scheme](https://agencychecklists.com/2026/03/16/providence-man-pleads-guilty-to-filing-false-tax-returns-linked-to-catalytic-converter-theft-scheme-80462/) - Theft activity spanned Rhode Island and Massachusetts
- [A.I.M. Mutual Partners with RISE to Develop Future Insurance Leaders](https://agencychecklists.com/2026/03/11/a-i-m-mutual-partners-with-rise-to-develop-future-insurance-leaders-80431/) - Strengthens Commitment to Insurance Industry Mentorship
- [Openly Announces Independent Board of Directors Appointments](https://agencychecklists.com/2026/03/12/openly-announces-independent-board-of-directors-appointments-80424/) - Appointments bring decades of insurance, investment, and governance experience as Openly continues scaling its homeowners' platform
- [Plymouth Rock Assurance Appoints Elliott Seaborn as Chief Marketing Officer ](https://agencychecklists.com/2026/03/11/plymouth-rock-assurance-appoints-elliott-seaborn-as-chief-marketing-officer-80419/) - Proven marketing leader joins leading insurer to accelerate agency growth
- [Genetic Testing Supporters See Gap in Insurance Discrimination Laws](https://agencychecklists.com/2026/03/12/genetic-testing-supporters-see-gap-in-insurance-discrimination-laws-80410/) - Life insurance group says consumer protections are included in 2000 law
- [Governor Healey and Google Announce New Statewide Partnership to Provide Free AI Training to Residents](https://agencychecklists.com/2026/03/09/governor-healey-and-google-announce-new-statewide-partnership-to-provide-free-ai-training-to-residents-80330/) - Massachusetts residents now have a new free option to build AI skills and enhance their employment opportunities in many growing fields
- [Five Items Insurance Professionals Should Know from the NAIC's New Auto Insurance Database Report](https://agencychecklists.com/2026/03/04/five-items-insurance-professionals-should-know-from-the-naics-new-auto-insurance-database-report-80296/) - Key takeaways from the NAIC’s 2022/2023 Auto Insurance Database Report
- [New payment model eyed to lift primary care sector](https://agencychecklists.com/2026/03/06/new-payment-model-eyed-to-lift-primary-care-sector-80327/) - Major change could be rolled into Senate reform bill expected in April
- [Surge in Gas Prices May Renew Tax Relief Talk](https://agencychecklists.com/2026/03/09/surge-in-gas-prices-may-renew-tax-relief-talk-80356/) - Average Gas Prices Up 40 Cents From Last Week
- [Liberty Mutual Reports $6.8 Billion in 2025 Net Income as Combined Ratio Improves](https://agencychecklists.com/2026/03/09/liberty-mutual-reports-6-8-billion-in-2025-net-income-as-combined-ratio-improves-80341/) - Sweeney Says Liberty Mutual Will Shift From “Fixing to Building” in 2026
- [GEICO Sued Over Auto Damage Appraiser Wages](https://agencychecklists.com/2026/03/09/geico-sued-over-auto-damage-appraiser-wages-80368/) - Suit Alleges Insurer Underpaid Field Appraisers, Suppressed Overtime, and Made Unlawful Paycheck Deductions
- [Cyber Report: Data Theft & Class Actions Up In Cyber Claims](https://agencychecklists.com/2026/03/09/cyber-report-data-theft-class-actions-up-in-cyber-claims-80375/) - Underwriters and brokers in the property and casualty market face a structural shift in cyber risk exposure.
- [Most Americans Value Insurance—but Few Review Their Coverage Until Problems Arise](https://agencychecklists.com/2026/03/05/most-americans-value-insurance-but-few-review-their-coverage-until-problems-arise-80321/) - New survey finds independent agents are still the most preferred distribution channel
- [MAIW Middlesex/Essex Chapter is Accepting Applications For Its Estelle Jeter Scholarship Award](https://agencychecklists.com/2026/03/09/maiw-middlesex-essex-chapter-is-accepting-applications-for-its-estelle-jeter-scholarship-award-80362/) - It's that time of year again
- [Cambridge-based Gain Life Rebrands as Crosstie](https://agencychecklists.com/2026/03/09/cambridge-based-gain-life-rebrands-as-crosstie-80351/) - Workflow automation provider signals broader role across insurance operations
- [Progressive Insurance® Introduces Pet Insurance for Cats and Dogs](https://agencychecklists.com/2026/03/09/progressive-insurance-introduces-pet-insurance-for-cats-and-dogs-80346/) - New offering expands insurer’s portfolio beyond long-standing Pets Best program
- [Trucordia Appoints Roger Dunning as Head of East Platform](https://agencychecklists.com/2026/03/06/trucordia-appoints-roger-dunning-as-head-of-east-platform-80332/) - Dunning joins Trucordia from USI Insurance Services
- [In Memoriam: J. Joseph Doran, 1930-2026](https://agencychecklists.com/2026/03/06/in-memoriam-j-joseph-doran-1930-2026-80324/) - Former Owner and Operator of the Doran and Horrigan Insurance Agency
- [AM Best Revises Outlook to Positive for Plymouth Rock Assurance Group](https://agencychecklists.com/2026/03/04/am-best-revises-outlook-to-positive-for-plymouth-rock-assurance-group-80316/) - Positive outlook reflects growth and market position
- [At 200 Years Old, State Library Hopes to Expand Digital Offerings](https://agencychecklists.com/2026/03/04/at-200-years-old-state-library-hopes-to-expand-digital-offerings-80303/) - Many Residents Don't Know the Library Also Serves the General Public
- [DOI Revokes For Failure To Report Fraudulent Application Scheme](https://agencychecklists.com/2026/03/01/doi-revokes-for-failure-to-report-fraudulent-application-scheme-80266/) - A reporting failure delays the investigation and costs John Hancock $65,000
- [Mass. Coverage: Why Catch-All Property Exclusions Fail for IP](https://agencychecklists.com/2026/03/02/mass-coverage-why-catch-all-property-exclusions-fail-for-ip-80268/) - A Coverage Issue Concerning an Underlying Architectural Copyright Infringement Claim
- [Brown & Brown Lost $23 Million Due To Howden Holiday Poaching](https://agencychecklists.com/2026/03/02/brown-brown-lost-23-million-due-to-howden-holiday-poaching-80253/) - CEO Told Analysts 275 Former Teammates Joined Startup Broker as Company Secures Injunction
- [Q4 2025 Showed Very Soft Market Conditions, According to The Council’s P/C Market Survey](https://agencychecklists.com/2026/03/03/q4-2025-showed-very-soft-market-conditions-according-to-the-councils-p-c-market-survey-80264/) - Softest Market Conditions Since 2017
- [Focus on Fraud has AG Girding for Another Lawsuit](https://agencychecklists.com/2026/03/03/focus-on-fraud-has-ag-girding-for-another-lawsuit-80289/) - Trump put Mass., other states on blast in State of the Union
- [Berkshire Reports Lower 2025 Operating Earnings; Insurance Combined Ratio at 87.1%](https://agencychecklists.com/2026/03/02/berkshire-reports-lower-2025-operating-earnings-insurance-combined-ratio-at-87-1-80260/) - Insurance Underwriting and Investment Income Decline; Float Rises to $176 Billion
- [Cannabis regulators mull extension to help struggling licensees](https://agencychecklists.com/2026/03/03/cannabis-regulators-mull-extension-to-help-struggling-licensees-80287/) - Applicants affected by War on Drugs say they need more time to establish roots in legal cannabis sector
- [CNA Financial Corporation Reports Record Core Income for 2025; AM Best Upgrades Financial Strength Rating](https://agencychecklists.com/2026/03/02/cna-financial-corporation-reports-record-core-income-for-2025-am-best-upgrades-financial-strength-rating-80248/) - Fourth Quarter and Full-Year Results Reflect Strong Underwriting and Investment Performance
- [Former MassMutual Federal Credit Union Loan Officer Sentenced in $1 Million HELOC Fraud](https://agencychecklists.com/2026/03/02/massmutual-heloc-fraud-case-80242/) - Loan Officer Manipulated Internal Systems to Inflate HELOC Limit and Slash Interest Rate Over Six Years
- [Safety Insurance Reports Improved Underwriting Results, $99.3 Million in 2025 Net Income](https://agencychecklists.com/2026/03/02/safety-insurance-reports-improved-underwriting-results-99-3-million-in-2025-net-income-80239/) - Rate Increases and Premium Growth Drive Return to Sub-100 Combined Ratio in 2025
- [MAPFRE's North American Insurance Earnings Jump 42%](https://agencychecklists.com/2026/03/02/mapfres-north-american-insurance-earnings-jump-42-80234/) - MAPFRE S.A. Posts Record $1.29 Billion Profit in 2025
- [Merchants Insurance Group Appoints Pete Walkup as Vice President, Head of Claims](https://agencychecklists.com/2026/02/26/merchants-insurance-group-appoints-pete-walkup-as-vice-president-head-of-claims-80228/) - Walkup Joins Merchants From Donegal Insurance
- [Massachusetts Growth, Jobs Numbers Trailing U.S. Rates](https://agencychecklists.com/2026/02/26/massachusetts-growth-jobs-numbers-trailing-u-s-rates-80226/) - The Bay State's unemployment rate of 4.8% is higher than the national rate
- [Carrier Win: $1.8 Policy Suit Over Models' Images Used Without Permission](https://agencychecklists.com/2026/02/24/carrier-win-1-8-policy-suit-over-models-images-used-without-permission-80197/) - Models Seek Coverage for $1,895,000 Consent Judgmental for Misuse of Their Images
- [A New Special Low-Plate Lottery to Celebrate the U.S.'s 250th Anniversary](https://agencychecklists.com/2026/02/23/a-new-special-low-plate-lottery-to-celebrate-the-u-s-s-250th-anniversary-80163/) - In partnership with the Mass State Lottery, the RMV will hold a special plate lottery later this year for its most popular plate
- [ACT Report: Two-Thirds of Independent Agents Plan to Increase AI Use in 2026](https://agencychecklists.com/2026/02/24/act-report-two-thirds-of-independent-agents-plan-to-increase-ai-use-in-2026-80216/) - Currently 31% of Agencies Surveyed Are Not Using AI at All
- [Travelers Debuts New Open AI-Powered AI Claim Assistant](https://agencychecklists.com/2026/02/23/travelers-debuts-new-open-ai-powered-ai-claim-assistant-80188/) - Industry-Leading Agentic AI Claim Assistant Developed in Partnership with Open AI
- [SJC to Hear Bureau's Appeal of Workers' Comp Rate Decisions on March 4](https://agencychecklists.com/2026/02/23/sjc-to-hear-bureaus-appeal-of-workers-comp-rate-decisions-on-march-4-80195/) - The Full Court Will Consider Four Contested Issues Arising from the Commissioner's 2024 and 2025 Rate Decisions
- [SAN Group Welcomes Lynn Marcou as Agency Growth Coach](https://agencychecklists.com/2026/02/23/san-group-lynn-marcou-80179/) - Supporting Member Agencies Across Northern New England and Massachusetts
- [Beacon Mutual Announces Retirement of President & CEO Brian J. Spero](https://agencychecklists.com/2026/02/23/beacon-mutual-announces-retirement-of-president-ceo-brian-j-spero-80183/) - Spero Has Been President & CEO Since 2017
- [Insurers Wave Caution Flag on Patient Care Reforms](https://agencychecklists.com/2026/02/23/insurers-wave-caution-flag-on-patient-care-reforms-80175/) - Providers back prior authorization reforms that could be finalized by late winter or early spring
- [NAIC Says 2026 Strategic Priorities Will Focus Leadership, Modernization, and Resilience](https://agencychecklists.com/2026/02/23/naic-says-2026-strategic-priorities-will-focus-leadership-modernization-and-resilience-80168/) - An outline of the Association's priorities for the year ahead.
- [Reflecting Its Intense Transformation, Mapfre Debuts New Look for 2026](https://agencychecklists.com/2026/02/20/reflecting-its-intense-transformation-mapfre-debuts-new-look-for-2026-80153/) - The new logo reflects a refreshed, vibrant, and more confident clover
- [Massachusetts Health Regulators Freeze 2027 Deductible Limits](https://agencychecklists.com/2026/02/20/massachusetts-health-regulators-freeze-2027-deductible-limits-80141/) - Staff says federal adjustment metric could have spiked deductibles by 17%
- [Massachusetts Single-Family Home Sales Drop 13%; Median Price Climbs to $612,500](https://agencychecklists.com/2026/02/20/massachusetts-single-family-home-sales-drop-13-median-price-climbs-to-612500-80146/) - Analysts Point to Holiday-Season Slowdown Among Prospective Buyers
- [Massachusetts Launching ChatGPT Assistant Across Executive Branch](https://agencychecklists.com/2026/02/17/massachusetts-launching-chatgpt-assistant-across-executive-branch-80133/) - First State With “Enterprise-Wide Deployment of the Tool
- [Brian Boyle Says Goodbye After A 41-Year Insurance Career](https://agencychecklists.com/2024/12/13/brian-boyle-says-goodbye-after-a-41-year-insurance-career-73768/) - Third-Generation Independent Agent and Current Salem Five Insurance President to Retire January 2, 2025
- [Born and Bred in the Bay State: The Special Agent Story](https://agencychecklists.com/2023/10/31/born-and-bred-in-the-bay-state-the-special-agent-story-68311/) - Our Latest Agency Interview is with the Founder & President of Special Agent
- [Allstate's 'Terrific Year' Stems From 'Serving Customers and Making Protection More Affordable'](https://agencychecklists.com/2026/02/09/allstate-posts-strong-underwriting-results-in-q4-highlights-premium-reductions-for-millions-of-pc-customers-80041/) - Allstate Cites Customer Value and Pricing as Key to Results
- [Jim Marcoulier Promoted to Director of Underwriting at A.I.M. Mutual Insurance Companies](https://agencychecklists.com/2026/02/11/jim-marcoulier-promoted-to-director-of-underwriting-at-a-i-m-mutual-insurance-companies-80120/) - Will Be Responsible for the Insurer's Underwriting Operations Throughout New England.
- [Multi-State Cargo-Theft Conspiracy Targets Crabmeat, Blueberries, and More in Massachusetts](https://agencychecklists.com/2026/02/09/multi-state-cargo-theft-conspiracy-targets-crabmeat-blueberries-and-more-in-massachusetts-80027/) - Worcester warehouse targeted
- ['Record Year Driven by Disciplined Execution' Says The Hanover's Roche in Latest Earnings Report](https://agencychecklists.com/2026/02/09/record-breaking-earnings-for-the-hanover-in-2025-79809/) - Underwriting Results Also Improve and Investment Income Climbs
- [Chubb Posts Record 2025 Profit and Underwriting Results, With Premium Growth in P&C and Life](https://agencychecklists.com/2026/02/09/chubb-posts-record-2025-profit-and-underwriting-results-with-premium-growth-in-pc-and-life-80024/) - A great quarter caps off a great year for the insurer
- [Insurify Launches ChatGPT App for Car Insurance Comparison and Quote Estimates](https://agencychecklists.com/2026/02/09/insurify-launches-chatgpt-app-for-car-insurance-comparison-and-quote-estimates-80049/) - Claims to be the first of its kind insurance app on OpenAI
- [Nationwide to Acquire Renewal Rights for Main Street America Surety, Fidelity Bond Book](https://agencychecklists.com/2026/02/09/nationwide-to-acquire-renewal-rights-for-main-street-america-surety-fidelity-bond-book-80074/) - The deal is expected to close by the end of Q1-2026
- [S&P Global Rates U.S. Property/Casualty Outlook Stable for 2026, Citing "Resilience in the Face of Uncertainty"](https://agencychecklists.com/2026/02/09/sp-global-rates-u-s-property-casualty-outlook-stable-for-2026-citing-resilience-in-the-face-of-uncertainty-80087/) - Stable for Now, but with Risks on the Horizon
- [Cargo Theft Losses Surge to $725 Million in 2025](https://agencychecklists.com/2026/02/10/cargo-theft-losses-surge-to-725-million-in-2025-80057/) - Sophisticated Criminal Networks are Exploiting the US Supply Chain Says NICB
- [Appeals Court: No Coverage For $300,000 'Household Member’ Award](https://agencychecklists.com/2026/01/26/court-reversal-no-coverage-for-300000-household-member-award-79344/) - Grandson's Economic Dependency on Grandma is not a "Trump Card" For Household Determination
- [Verisk Estimates Insured Losses for the Winter Storm "Fern" Could Reach USD 4 Billion](https://agencychecklists.com/2026/02/09/verisk-estimates-insured-losses-for-winter-storm-fern-could-reach-usd-4-billion-80081/) - Freeze is expected to be the largest driver of insured losses among the modeled perils
- [Christine Brown Appointed Deputy Commissioner of Captive Insurance](https://agencychecklists.com/2026/02/09/christine-brown-appointed-deputy-commissioner-of-captive-insurance-80071/) - Only the fourth person to hold the position
- [MEMIC Appoints Matt Coy as Next Chief Information Officer](https://agencychecklists.com/2026/02/09/memic-appoints-matt-coy-as-next-chief-information-officer-80068/) - Joins MEMIC After Serving as CIO of Montana State Fund
- [2026 AXA Art Prize US is Open for Submissions](https://agencychecklists.com/2026/02/09/2026-axa-art-prize-us-is-open-for-submissions-80009/) - A winning prize of $10,000 to be awarded
- [Think Independent Agents Aren’t Embracing Digital Technology?  Think Again](https://agencychecklists.com/2017/06/12/think-independent-agents-arent-embracing-digital-technology-think-again-18552/) - June 12, 2017 - Ellen Carney is Principal Analyst, Digital Business Strategy at Cambridge-based Forrester Research.
- [Industry Seeks Massachusetts Foothold for Driverless Cars](https://agencychecklists.com/2026/02/06/industry-seeks-massachusetts-foothold-for-driverless-cars-79965/) - Former Cabinet chief Ash urges state to 'stay relevant in opportunities'
- [Report: Health Insurers Denied One in Five Claims in 2024](https://agencychecklists.com/2026/02/06/report-health-insurers-denied-one-in-five-claims-in-2024-79959/) - HPC chief says data points to need for simplification to root out inefficiencies
- [6th Look 2025: Market Share Report for MA Auto Insurance Marketplace](https://agencychecklists.com/2025/11/03/6th-look-2025-market-share-report-for-ma-auto-insurance-marketplace-78046/) - Insights on the Latest Market Share Data as of August 2025
- [From Nuptials, Tickets, and Taxes to Trusted Advisor: One Agency's Unique Path to P&C Success](https://agencychecklists.com/2025/05/12/from-nuptials-tickets-and-taxes-to-trusted-advisor-one-agencys-unique-path-to-pc-success-75676/) - A Conversation with Evan Silverio, President & CEO of Silverio Insurance Group
- [New Bedford Couple Expected to Plead Guilty To Premium Theft](https://agencychecklists.com/2026/02/02/new-bedford-couple-expected-to-plead-guilty-to-premium-theft-79628/) - Attorneys Targeted in Malpractice Premium Scheme
- [Home Insurance Premiums Rose 12.7% During 2024 says Latest DOI Report](https://agencychecklists.com/2026/02/02/home-insurance-premiums-rose-12-7-during-2024-says-latest-doi-report-79569/) - Highlights from the Annual Home Insurance Marketplace Report for 2024
- [Lawmakers See Role for Cameras in Road Safety Enforcement](https://agencychecklists.com/2026/02/04/lawmakers-see-role-for-cameras-in-road-safety-enforcement-79695/) - Committees keep hold on camera bills here while 22 states have passed laws
- [Best’s Special Report: Surplus Lines Market Premium Moderates Through First Nine Months of 2025](https://agencychecklists.com/2026/02/02/bests-special-report-surplus-lines-market-premium-moderates-through-first-nine-months-of-2025-79594/) - Premium growth in the E&S market increased by 9.7% through the third quarter of 2025
- [Some 26.2 Million U.S. Employees May 'Play Hooky' Come Super Bowl Monday, Says New UKG Study](https://agencychecklists.com/2026/02/02/some-26-2-million-u-s-employees-may-play-hooky-come-super-bowl-monday-says-new-ukg-study-79589/) - Results Come from Lowell-based UKG’s annual Super Bowl Absenteeism Survey
- [The Hartford Posts $1.1 Billion Profit in Fourth Quarter, Capping $3.8 Billion Year](https://agencychecklists.com/2026/02/02/the-hartford-posts-1-1-billion-profit-in-fourth-quarter-capping-3-8-billion-year-79610/) - Christopher Swift Described the Year as “Outstanding”
- [W. R. Berkley Corporation Posts Record Underwriting Income and Higher Investment Income in 2025](https://agencychecklists.com/2026/02/02/w-r-berkley-corporation-posts-record-underwriting-income-and-higher-investment-income-in-2025-79617/) - Quarterly Pre-Tax Underwriting Income Grew 14.9% to a Record
- [Physician Acting Pro Se Found Guilty On Insurance Fraud Indictments](https://agencychecklists.com/2026/02/02/physician-acting-pro-se-found-guilty-on-insurance-fraud-indictments-79633/) - Massachusetts physician represented himself at trial after co-defendant's case severed, billed for
- [SIAA Fuels Next Wave of Growth Through New Strategic Partnership with Progressive](https://agencychecklists.com/2026/02/03/siaa-fuels-next-wave-of-growth-through-new-strategic-partnership-with-progressive-79654/) - New Partnership Expands SIAA Member Access to Both Personal and Commercial Lines Options
- [Rent Control Debate Intensifies with Opposition Campaign Launch](https://agencychecklists.com/2026/02/03/rent-control-debate-intensifies-with-opposition-campaign-launch-79643/) - Revere Councilor Silvestri says rent control would have stopped city development
- [Layoff notices fueling competitiveness, political debates](https://agencychecklists.com/2026/02/03/layoff-notices-fueling-competitiveness-political-debates-79626/) - Zipcar, Panera and Thermo Fisher file layoff notices in one-week period
- [State Reports More Open Meeting Law Complaints, and Violations](https://agencychecklists.com/2026/02/02/state-reports-more-open-meeting-law-complaints-and-violations-79624/) - AG's Office Received 395 Open Meeting Law Complaints Last Year
- [Boston Mutual Life Insurance Company Laces Up with Hockey East Association as a New Corporate Partner](https://agencychecklists.com/2026/02/02/boston-mutual-life-insurance-company-laces-up-with-hockey-east-association-as-a-new-corporate-partner-79621/) - New England-based national life insurance carrier sponsors Hockey East Heroes campaign to honor first responders
- [Ironpeak Continues to Reach New Heights](https://agencychecklists.com/2026/02/02/ironpeak-continues-to-reach-new-heights-79606/) - New Business Premium Reached +760 Million in 2025
- [John Hancock Unveils GenAI-Based Underwriting Support Tool: Quick Quote](https://agencychecklists.com/2026/02/02/john-hancock-unveils-genai-based-underwriting-support-tool-quick-quote-79566/) - GenAI-Powered Life Insurance Quote-Generation Engine Drastically Reduces Turnaround Times to Minutes
- [Insurance Agency Mergers & Acquisitions in Massachusetts | Q4-2025](https://agencychecklists.com/2026/01/26/insurance-agency-mergers-acquisitions-in-massachusetts-q4-2025-79302/) - Agency Checklists’ Proprietary List of Recent Acquisitions in New England for Q4-2025
- [Insurance Agency Mergers and Acquisitions Dip 12% in 2025](https://agencychecklists.com/2026/01/26/insurance-agency-mergers-and-acquisitions-dip-12-in-2025-79325/) - Deals for property & casualty and benefits brokers in US and Canada slip but include purchases of four firms with $268 million to $2.9 billion in revenues, OPTIS Partners report
- [Cushman Insurance Group Acquires New Bedford's Bergeron Agency](https://agencychecklists.com/2026/01/26/cushman-insurance-group-acquires-new-bedfords-bergeron-agency-79298/) - Both independent agencies are based in Southeastern Mass.
- [Travelers Deepens AI Strategy as Innovation 2.0 Takes Shape](https://agencychecklists.com/2026/01/26/travelers-deepens-ai-strategy-as-innovation-2-0-takes-shape-79336/) - Nearly 10,000 employees are being empowered with personalized Claude AI assistants to enhance and accelerate software, analytics and machine learning model development
- [Liberty Mutual Affiliates’ Conversion to Stock Insurers Approved](https://agencychecklists.com/2026/01/26/liberty-mutual-affiliates-conversion-to-stock-insurers-approved-79347/) - Deal mechanics: conversion to stock insurers, then merger into LMHC subsidiary
- [The 2025 Insurance Landscape: A Roadmap for the Year Ahead](https://agencychecklists.com/2026/01/26/the-2025-insurance-landscape-a-roadmap-for-the-year-ahead-79349/) - A Market of "Megadeals" and Strategic Stabilization
- [Massachusetts Home Sales Rose 3% in 2025](https://agencychecklists.com/2026/01/26/massachusetts-home-sales-rose-3-in-2025-79285/) - 43,240 single-family homes were sold in Massachusetts during 2025
- [Fossil Fuel Fallback Helping to Keep New England's Lights, Heat On](https://agencychecklists.com/2026/01/26/fossil-fuel-fallback-helping-to-keep-new-englands-lights-heat-on-79329/) - Feds grant grid operator emergency order to tap 'maximum output' of sources during cold week ahead
- [In Memoriam: Ronald A. "Ray" Lucas, 1936-2026](https://agencychecklists.com/2026/01/26/in-memoriam-ronald-a-ray-lucas-1936-2026-79290/) - Founder of the Lucas and Boyd Insurance Agency
- [Hospitality Insurance Group Announces Retirement of President & CEO Richard Welch](https://agencychecklists.com/2026/01/26/hospitality-insurance-group-announces-retirement-of-president-ceo-richard-welch-79288/) - Executive Search to Begin for Successor
- [Biz Chief Warns Against 'Hasty Overregulation' of AI](https://agencychecklists.com/2026/01/26/biz-chief-warns-against-hasty-overregulation-of-ai-79281/) - Senate chairman questions whether legislatures have expertise to pass comprehensive regulatory schemes
- [Manufactured Home Residents Fed Up with Rising Insurance Costs](https://agencychecklists.com/2026/01/26/manufactured-home-residents-fed-up-with-rising-insurance-costs-79277/) - Taunton residents, elected officials say panel needs to come up with solutions
- [Hanscom Closes Peoples Bank Deal, Brings Fleetwood Insurance Group into the Credit Union](https://agencychecklists.com/2026/01/12/hanscom-closes-peoples-bank-deal-brings-fleetwood-insurance-group-into-the-credit-union-79073/) - People's insurance agency subsidiary, Fleetwood Insurance, officially joins Hanscom
- [MountainOne Insurance Acquires Amy R. Morey Insurance Agency, Expands into Greenfield](https://agencychecklists.com/2026/01/12/mountainone-insurance-acquires-amy-r-morey-insurance-agency-expands-into-greenfield-79078/) - This is the third acquisition for the bank-owned agency in the region
- [1st Look 2026: Market Share Report for MA Commercial Auto Insurers](https://agencychecklists.com/2026/01/12/1st-look-2026-market-share-report-for-ma-commercial-auto-insurers-79085/) - A Look at the Latest Data on Insurer Premiums & Market Share as of October 2025
- [1st Look 2026: Market Share Report for MA Auto Insurance Marketplace](https://agencychecklists.com/2026/01/12/1st-look-2026-market-share-report-for-ma-auto-insurance-marketplace-79105/) - A Look at the Latest Data on Insurer Premiums & Market Share as of October 2025
- [Massachusetts Businesses Enter 2026 with Pessimistic View](https://agencychecklists.com/2026/01/12/massachusetts-businesses-enter-2026-with-pessimistic-view-79125/) - Concerns Among Businesses Include Rising Costs, Permitting Difficulties, and People Moving out of Mass.
- [Liberty Mutual Insurance Names Nageeb Sumar President of Liberty Mutual Foundation](https://agencychecklists.com/2026/01/12/liberty-mutual-insurance-names-nageeb-sumar-president-of-liberty-mutual-foundation-79135/) - Sumar Succeeds Melissa MacDonnell, Who Retired in October 2025
- [Patriot Growth Insurance Services Appoints Tom Rogers as Chief Sales Officer](https://agencychecklists.com/2026/01/12/patriot-growth-insurance-services-appoints-tom-rogers-as-chief-sales-officer-78890/) - Will Spearhead National Agency's Sales Strategy
- [Massachusetts Reports 85.5% Seat Belt Usage Rate in 2025](https://agencychecklists.com/2026/01/12/massachusetts-reports-85-5-seat-belt-usage-rate-in-2025-78885/) - Federally Mandated Study Conducted Between June 3 and 28th 2025
- [Cannabis Sales Inched Higher in 2025 to Record $1.65 Billion](https://agencychecklists.com/2026/01/12/cannabis-sales-inched-higher-in-2025-to-record-1-65-billion-79070/) - Sales Numbers Hit New Record in Bay State
- [Simply Business Appoints Jeff Wright Vice President, Head of Insurance Product](https://agencychecklists.com/2026/01/12/simply-business-appoints-jeff-wright-vice-president-head-of-insurance-product-79056/) - Industry veteran to oversee insurance product development and innovation, advancing Simply Business's commitment to simplifying insurance for small businesses
- [Insurity Appoints Jatin Atre as President to Accelerate AI-Powered Growth](https://agencychecklists.com/2026/01/12/insurity-appoints-jatin-atre-as-president-to-accelerate-ai-powered-growth-79064/) - Atre to lead product, engineering, marketing, customer success, and support, with a $50M investment in AI and R&D, 100+ AI/ML hires, and 80,000 additional customer support hours
- [State Orders Fire Safety Plans From Assisted Living Centers](https://agencychecklists.com/2025/07/21/state-orders-fire-safety-plans-from-assisted-living-centers-76277/) - Regulatory updates being finalized in wake of deadly Fall River fire
- [Insurance Library Announces 2025 Members of Hess Benefactor Society](https://agencychecklists.com/2025/07/21/insurance-library-announces-2025-members-of-hess-benefactor-society-76284/) - Mr. Hess Was One of The Library's Founders
- [Orion180 Rolls Out Customizable ‘FLEX’ Homeowners Policy Across Nine Massachusetts Counties](https://agencychecklists.com/2025/07/21/orion180-rolls-out-customizable-flex-homeowners-policy-across-nine-massachusetts-counties-76274/) - Product Targets Rising Premiums, Non-Renewals
- [U.S. Insurance Rates Continue Upward Trend in Q2 2025](https://agencychecklists.com/2025/07/21/u-s-insurance-rates-continue-upward-trend-in-q2-2025-76324/) - A Quarterly Look at US P&C Rates
- [Personal Lines Rates Rise 4.6% in Q2 2025](https://agencychecklists.com/2025/07/21/personal-lines-rates-rise-4-6-in-q2-2025-76319/) - Auto Insurance Rates Climbed An Average of 5.7%
- [Rehoboth Man Sentenced for Conspiracy to Falsify CDL Test Scores and Perjury](https://agencychecklists.com/2025/09/15/rehoboth-man-sentenced-for-conspiracy-to-falsify-cdl-test-scores-and-perjury-76822/) - Defendant involved in Massachusetts State Police Commercial Driver’s License bribery scheme
- [Commercial Insurance Rates Continue Variable Up and Down](https://agencychecklists.com/2025/09/15/commercial-insurance-rates-continue-variable-up-and-down-76794/) - Ivan's Index For August Says All Rates Are Up Year Over Year Save Worker's Comp
- [Duffy Insurance Expands Presence with Latest Acquisition in Lexington](https://agencychecklists.com/2025/09/14/duffy-insurance-expands-presence-with-latest-acquisition-in-lexington-76761/) - Third 2025 Acquisition for Lynn-Based Agency
- [5th Look 2025: Market Share Report for MA Commercial Auto Marketplace](https://agencychecklists.com/2025/09/15/5th-look-2025-market-share-report-for-ma-commercial-auto-marketplace-76780/) - Latest Data on Insurer Premiums & Market Share as of June 2025
- [Andover Companies File to Reorganize as a Mutual Holding Company](https://agencychecklists.com/2025/09/15/andover-companies-file-to-reorganize-as-a-mutual-holding-company-76831/) - Insurers Propose Changes from Position of Strength
- [6 Ways An Agent Can Help Their Insureds Understand the Value of Personal Cyber Insurance](https://agencychecklists.com/2025/10/06/6-ways-an-agent-can-help-their-insureds-understand-the-value-of-personal-cyber-insurance-77524/) - Consumers See the Risk, but Not the Value of Coverage Says Triple-I HBS Study
- [Are you Prepared? Ranked Costs of Cyber Losses](https://agencychecklists.com/2025/10/06/are-you-prepared-ranked-costs-0f-cyber-losses-77550/) - 10 Types of Cyber Losses Insurance Entities Face: Ranked by Severity: Cybersecurity Month Special Report
- [Cybersecurity Awareness Month Tip of the Week: Update Software](https://agencychecklists.com/2025/10/06/cybersecurity-tip-update-software-77507/) - Each week this month the Division of Banks will be offering Cybersecurity Tips
- [October is Cybersecurity Awareness Month](https://agencychecklists.com/2025/10/06/october-is-cybersecurity-awareness-month-2-77521/) - Massachusetts is the 11th state with the most losses recorded as a result of cybercrimes in 2024
- [How To Acquire a Legacy Agency Without Erasing Its Identity](https://agencychecklists.com/2025/10/06/how-to-acquire-a-legacy-agency-without-erasing-its-identity-77544/) - A Somerville Legacy Continues
- [Duffy Insurance Announces First Acquisition Outside of Mass.](https://agencychecklists.com/2025/07/21/duffy-insurance-announces-first-acquisition-outside-of-mass-76287/) - Marks A Major Milestone For the Lynn-based Agency
- [Best’s Market Segment Report: AM Best Maintains Outlook on US Personal Lines Insurance Segment at Stable](https://agencychecklists.com/2025/12/08/bests-market-segment-report-am-best-maintains-outlook-on-us-personal-lines-insurance-segment-at-stable-78636/) - Meaningful Improvement in Underwriting stems from aggressive rate increases and portfolio management.
- [Morse Insurance Joins Patriot Growth Insurance Services](https://agencychecklists.com/2025/12/08/morse-insurance-joins-patriot-growth-insurance-services-78593/) - Morse Insurance is a second-generation-owned independent insurance agency in Easton
- [NAMIC Issues a Response to a “Homeowners Insurance Bill of Rights”](https://agencychecklists.com/2026/01/04/namic-issues-a-response-to-a-homeowners-insurance-bill-of-rights-78808/) - NAMIC: Consumer Reports Bill of Rights Shows Misunderstanding of Insurance, Regulation
- [LIMRA: Quarterly U.S. Retail Annuity Sales Top $120 Billion For the First Time](https://agencychecklists.com/2026/01/04/limra-quarterly-u-s-retail-annuity-sales-top-120-billion-for-the-first-time-78859/) - Double-digit traditional VA and RILA sales drive record sales
- [MA Sec of State Galvin Reminds Taxpayers of New 2026 Federal Tax Break](https://agencychecklists.com/2026/01/03/ma-secstate-galvin-reminds-taxpayers-of-new-2026-federal-tax-break-78783/) - SALT Deduction Cap Rises to $40,000 for Itemizers
- [Mutual Insurers’ U.S. Market Share Holds at 40%, With New England Ranging From 31% to 46%](https://agencychecklists.com/2026/01/04/mutual-insurers-u-s-market-share-holds-at-40-with-new-england-ranging-from-31-to-46-78843/) - Annual NAMIC-Aon report takes a look at the state of Mutuals each year
- [Mass. DOI Approves Reorganization of The Andover Companies](https://agencychecklists.com/2026/01/04/mass-doi-approves-reorganization-of-the-andover-companies-78795/) - A review of the decision and how the reorganization of the mutual insurers will work
- [Howden's Holiday Poaching of 200+ Employees Ends in Lawsuit](https://agencychecklists.com/2026/01/04/howdens-holiday-poaching-of-200-employees-ends-in-lawsuit-78865/) - Brown & Brown calls it a raid. Howden calls it a lifeboat. A Mass. court will decide.
- [Massachusetts RMV Cautions Public to Beware of Text Scams](https://agencychecklists.com/2025/06/23/massachusetts-rmv-cautions-public-to-beware-of-text-scams-76140/) - Remind your insureds - customers should only use Mass.Gov/RMV for online RMV services.
- [The 2025 Low Plate Lottery Has Begun!](https://agencychecklists.com/2025/06/23/the-2025-low-plate-lottery-has-begun-76119/) - A total of 283 license plates are available this year
- [Class Action Filed Against Commerce Total Loss Payments Rejected](https://agencychecklists.com/2025/06/23/class-action-filed-against-commerce-total-loss-payments-rejected-76154/) - A class action suit seeking damages for 106,000 insureds.
- [Nationwide Faces Class Action Over Its Pet Insurance Cancellations](https://agencychecklists.com/2025/06/16/nationwide-faces-class-action-over-its-pet-insurance-cancellations-76073/) - Federal Class Action Brought by Three Massachusetts Residents
- [Massachusetts Drops the Hammer on Home Inspection Waivers—What You Need To Know](https://agencychecklists.com/2025/06/15/massachusetts-drops-the-hammer-on-home-inspection-waivers-what-you-need-to-know-76063/) - New Regulation Takes Effect on October 15, 2025
- [Why the DOI Is Pushing Agents to Have 'The Coverage Conversation' Right Now"](https://agencychecklists.com/2025/06/15/why-the-doi-is-pushing-agents-to-have-the-coverage-conversation-right-now-76065/) - Division of Insurance Encourages Homeowners Policy Review During National Homeownership Month
- [Superior Court Orders $165 Million In Restitution And Penalties For Insurance Sale Violations](https://agencychecklists.com/2025/01/07/superior-court-orders-165-million-in-restitution-and-penalties-for-insurance-sale-violations-73914/) - Penalties Imposed For Violating Consent Decree and Chapter 93A
- [Nominations Now Open For The Insurance Library’s 2025 Insurance Professional of the Year Award](https://agencychecklists.com/2025/06/09/nominations-now-open-for-the-insurance-librarys-2025-insurance-professional-of-the-year-award-76051/) - Individuals Have Until 5:00 PM on June 25th to Submit Their Nomination
- [Massachusetts Division of Insurance Proposes Streamlining 11 Regulations Under "Massachusetts Means Business" Initiative](https://agencychecklists.com/2025/06/09/massachusetts-division-of-insurance-proposes-streamlining-11-regulations-under-massachusetts-means-business-initiative-76055/) - Key Survey Findings Highlight Insurance as a Top Concern
- [Chubb Q1 Earnings Decline on Wildfire Losses; Core Operating Income Hits $1.49 Billion](https://agencychecklists.com/2025/06/03/chubb-q1-earnings-decline-on-wildfire-losses-core-operating-income-hits-1-49-billion-76007/) - CAT Losses Drive 95.7 Combined Ratio; Investment Income and Life Segment Show Growth
- [Duffy Insurance Announces Acquisition of Saratoga Insurance Agency](https://agencychecklists.com/2025/06/02/duffy-insurance-announces-acquisition-of-saratoga-insurance-agency-75967/) - Third Agency Acquisition for Peabody Agency this Year
- [MassDOT and Fundación MAPFRE Announce Finalists in Road Safety PSA Contest](https://agencychecklists.com/2025/04/25/massdot-and-fundacion-mapfre-announce-finalists-in-road-safety-psa-contest-75423/) - Finalists Include Five Massachusetts High Schools
- [Mass. P&C Insurers Posted a 12.5% Return on Net Worth in 2023](https://agencychecklists.com/2025/04/29/a-first-look-at-the-naics-2023-profitability-report-mass-pc-carriers-stacked-up-75443/) - Latest NAIC’s Profitability Report shows Mass. carriers outperforming peers
- [NAIC 2025 Market Share Report | Top 25 P&C Insurers](https://agencychecklists.com/2025/03/17/naic-2025-market-share-report-pc-insurers-74868/) - The Top 10 P&C Insurers Have a Combined Market Share of 47.90%
- [Massachusetts' New Junk Fee Regulations: Implications for Insurance Professionals](https://agencychecklists.com/2025/03/31/massachusetts-new-junk-fee-regulations-implications-for-insurance-professionals-75165/) - Enforcement of New Regulations Begins on September 2nd, 2025
- [NAIC 2025 Market Share | Top 25 Private Passenger Auto Insurers](https://agencychecklists.com/2025/03/17/naic-2025-market-share-top-25-private-passenger-auto-insurers-74894/) - MAPFRE and The Hanover Do Not Make an Appearance on This Year's List
- [NAIC 2025 Market Share Report | Top 25 Medical Professional Liability Insurers](https://agencychecklists.com/2025/03/31/naic-2025-market-share-report-top-25-medical-professional-liability-insurers-75158/) - Berkshire Hathaway Dominates with Nearly 18% Market Share
- [Newburyport Man Pleads Guilty in $2.2 Million Home Repair Insurance Fraud Scheme](https://agencychecklists.com/2025/03/31/newburyport-man-pleads-guilty-in-2-2-million-home-repair-insurance-fraud-scheme-75154/) - Fictitious Repairs Billed to Insurer Over Three-Year Period, Prosecutors Say
- [Transactional Risk Insurance: An Emerging Area](https://agencychecklists.com/2025/03/31/transactional-risk-insurance-an-emerging-area-75178/) - Understanding the Evolving Transactional Risk Landscape
- [Healey Unveils $250 Million Health Insurance Relief Plan](https://agencychecklists.com/2026/01/09/healey-unveils-250-million-health-insurance-relief-plan-78955/) - Governor also call on feds to revive premium tax credits that just expired
- [New Data Points to 'Slow' Job Market in Massachusetts](https://agencychecklists.com/2026/01/09/new-data-points-to-slow-job-market-in-massachusetts-78953/) - U.S. Unemployment Rate for November was 4.6%
- [Personal Lines Account Executive](https://agencychecklists.com/2026/01/08/personal-lines-account-executive-78942/) - Dedham - Personal Lines Account Executive Position
- [Quincy Mutual to Mark 175th Anniversary in 2026](https://agencychecklists.com/2026/01/03/quincy-mutual-to-mark-175th-anniversary-in-2026-78791/) - Major milestone for the Quincy-based New England mutual
- [Top Boiler & Machinery Insurers in Massachusetts & New England](https://agencychecklists.com/2026/01/04/top-boiler-machinery-insurers-in-massachusetts-new-england-78817/) - Massachusetts is the largest market for Boiler & Machinery Insurance in NE
- [The State's Auto Body Labor Rate Report:  What It Does and Doesn’t Say, and Why It Matters](https://agencychecklists.com/2025/12/22/the-states-auto-body-labor-rate-report-what-it-does-and-doesnt-say-and-why-it-matters-78736/) - Why the report exists and why it ends without a Board rate
- [The Top Surety Companies in Massachusetts & New England](https://agencychecklists.com/2025/12/15/the-top-surety-companies-in-massachusetts-new-england-78700/) - Introduction to the New England Surety Insurance Marketplace
- [Top Fire Insurers in Massachusetts & New England](https://agencychecklists.com/2025/11/24/top-fire-insurers-in-massachusetts-new-england-78416/) - Insights into the Fire Insurance Marketplace in our region
- [The Top Pet Insurance Companies in Massachusetts & New England](https://agencychecklists.com/2025/12/08/the-top-pet-insurance-companies-in-massachusetts-new-england-78613/) - Strong regional concentration among a common set of insurers
- [W. R. Berkley Corporation Announces Executive Appointments](https://agencychecklists.com/2026/01/03/w-r-berkley-corporation-announces-executive-appointments-78767/) - Both appointments are effective immediately
- [State extends highway plaza leases for 18 months](https://agencychecklists.com/2026/01/03/state-extends-highway-plaza-leases-for-18-months-78777/) - There are 11 service plazas on the Mass Turnpike and seven on other highways
- [Ticket surcharge at center of Boston-Kraft stadium deal](https://agencychecklists.com/2026/01/03/ticket-surcharge-at-center-of-boston-kraft-stadium-deal-78779/) - At deadline, $48 million accord reached to address community impacts of Everett soccer stadium
- [Connector reports health insurance enrollment churn](https://agencychecklists.com/2026/01/03/connector-reports-health-insurance-enrollment-churn-78774/) - New signups slightly outpace those who dropped coverage as open enrollment period continues
- [In Memoriam: Rudolph W. Christian, 1947-2025](https://agencychecklists.com/2026/01/02/in-memoriam-rudolph-w-christian-1947-2025-78761/) - Founded the Rudy Christian Insurance Agency
- [Three New England Insurers Join Forces to Advance Surety Industry](https://agencychecklists.com/2025/12/16/three-new-england-insurers-join-forces-to-advance-surety-industry-78697/) - New entity will focus on two main initiatives
- [Salem Five Insurance Launches Private Client Practice, Strengthens Operations with Two Strategic Hires](https://agencychecklists.com/2025/12/12/salem-five-insurance-launches-private-client-practice-strengthens-operations-with-two-strategic-hires-78689/) - Duo Will Support Salem Five's Continued Expansion, Enhanced Client Service across Eastern Massachusetts
- [Nancy Pierce appointed GEICO CEO](https://agencychecklists.com/2025/12/12/nancy-pierce-appointed-geico-ceo-78686/) - Currently COO, she first joined the insurer in 1986
- [NAIC Officers Elected for 2026](https://agencychecklists.com/2025/12/12/naic-officers-elected-for-2026-78678/) - Offices Elected During the Fall Meeting
- [Univeristy of Connecticut Student Wins ACORD 2025 Student Challenge to Advance AI Innovation in Insurance Data](https://agencychecklists.com/2025/12/12/univeristy-of-connecticut-student-wins-acord-2025-student-challenge-to-advance-ai-innovation-in-insurance-data-78681/) - Challenge asked participants to utilize AI tools to compile and analyze key data fields for underwriting pet insurance
- [Mass. Courts Weigh AI Efficiency, Ethics Angles](https://agencychecklists.com/2025/12/12/mass-courts-weigh-ai-efficiency-ethics-angles-78673/) - Professional Conduct Committee finds existing rules provide 'ample guidance' on AI, but that may change
- [MassMutual Announces the Appointment of Michael T. Rollings to Its Board of Directors](https://agencychecklists.com/2025/12/12/massmutual-announces-the-appointment-of-michael-t-rollings-to-its-board-of-directors-78670/) - SPRINGFIELD, MA – MassMutual today announced it has elected Michael T. Rollings to the company’s Board of Directors. “With his extensive leadership experience at financial services companies that have a proven track record of growth and market leadership, Mike is an excellent addition to our Board of Directors,” said Roger Crandall, Chairman, President and CEO, MassMutual. “Along
- [CCC Approves Framework for Social Cannabis Use Sites](https://agencychecklists.com/2025/12/11/ccc-approves-framework-for-social-cannabis-use-sites-78665/) - Chair says CCC honoring will of the voters and entering 'brave new world'
- [Report: Massachusetts Uninsured Rate Rises to 2.1%](https://agencychecklists.com/2025/12/11/report-massachusetts-uninsured-rate-rises-to-2-1-78660/) - Updated rate released as analysts predict a spike in newly uninsured
- [Gen X Underestimated Retirement. Now, They're Not Sure They Can Catch Up](https://agencychecklists.com/2025/12/11/gen-x-underestimated-retirement-now-theyre-not-sure-they-can-catch-up-78652/) - Six in ten non-retired Gen Xers didn't view retirement as a serious priority until age 50 or later
- [Dwelling on the Details: What the DOI’s New Advisory on ADUs Means for Your Agency](https://agencychecklists.com/2025/12/08/dwelling-on-the-details-what-the-dois-new-advisory-on-adus-means-for-your-agency-78631/) - The new law on Accessory Dwelling Units (ADUs) took effect in February 2025
- [Best’s Market Segment Report: AM Best Maintains Outlook on U.S. Commercial Lines Insurance Segment at Stable](https://agencychecklists.com/2025/12/08/bests-market-segment-report-am-best-maintains-outlook-on-u-s-commercial-lines-insurance-segment-at-stable-78607/) - Rating Agency Notes Strong Underwriting and Overall Operating Performance in its Decision
- [Boston Mutual Life Insurance Company Appoints Grant David Ward as New Chief Executive Officer](https://agencychecklists.com/2025/12/04/boston-mutual-life-insurance-company-appoints-grant-david-ward-as-new-chief-executive-officer-78532/) - Ward to succeed Paul A. Quaranto, Jr., following his retirement in December 2025
- [In Memoriam: Bradford Lowe, 1939-2025](https://agencychecklists.com/2025/12/04/in-memoriam-bradford-lowe-1939-2025-78551/) - Founder of the Southeastern Insurance Agency, Inc.
- [Half a Century of Service Nationwide Honors Six Longtime Employees](https://agencychecklists.com/2025/12/04/half-a-century-of-service-nationwide-honors-six-longtime-employees-78548/) - Together they have amassed a combined 309 years of experience
- [Norfolk & Dedham Celebrates 200 Years with Historic Charitable Giving and Community Impact](https://agencychecklists.com/2025/12/04/norfolk-dedham-celebrates-200-years-with-historic-charitable-giving-and-community-impact-78555/) - N&D Was Founded in Dedham in 1825
- [Best’s Market Segment Report: AM Best Maintains Stable Outlook on US Life/Annuity Insurance Segment](https://agencychecklists.com/2025/12/04/bests-market-segment-report-am-best-maintains-stable-outlook-on-us-life-annuity-insurance-segment-78565/) - Online Briefing Taking Place in December
- [Holyoke Apartment Fires Appear to be Accidental and Unrelated](https://agencychecklists.com/2025/12/05/holyoke-apartment-fires-appear-to-be-accidental-and-unrelated-78581/) - More than 70 Families Displaced; Holyoke Fire Chief Provides Donation Info
- [PURE Insurance Highlights Teen Driving Risks with New Claims and Parent Insights](https://agencychecklists.com/2025/12/05/pure-insurance-highlights-teen-driving-risks-with-new-claims-and-parent-insights-78587/) - Findings reveal a clear gap between concern and preparation
- [Data Center Proliferation Driving Up Power Needs](https://agencychecklists.com/2025/12/04/data-center-proliferation-driving-up-power-needs-78578/) - As Mass. positions itself on energy and AI, report cites surge in demand
- [Comments Due Over Next Month on Bridge Replacements](https://agencychecklists.com/2025/12/04/comments-due-over-next-month-on-bridge-replacements-78575/) - Public Comments are Due by January 5, 2026
- [Data Privacy Seen as Precursor to AI Regulation](https://agencychecklists.com/2025/12/04/data-privacy-seen-as-precursor-to-ai-regulation-78572/) - Markey calls reintroduced AI bill 'a floor for the whole country'
- [Boston Celtics deliver on dunks in November to raise $125,000 for #SunLifeDunk4Diabetes](https://agencychecklists.com/2025/12/04/boston-celtics-deliver-on-dunks-in-november-to-raise-125000-for-sunlifedunk4diabetes-78569/) - Now in its 12th year, the campaign has raised more than $1M for the YMCA of Greater Boston's health, fitness and nutrition programs
- [MassMutual Names Meghan Doscher Head of Brand and Marketing](https://agencychecklists.com/2025/12/04/massmutual-names-meghan-doscher-head-of-brand-and-marketing-78567/) - Springfield, MA – MassMutual today announced the appointment of Meghan Doscher to head of brand and marketing. Doscher will report to Paul LaPiana, MassMutual’s head of brand, product and affiliated distribution. Doscher brings a diverse and deep understanding of financial services to this role, having held strategic leadership roles within marketing, sales and distribution, finance, operations, and strategy within the industry. Most
- [Strategic Risk Solutions Names Robert Gagliardi CEO of SRS Titanium, Appoints Sandy Bigglestone as Managing Director/CGRCO](https://agencychecklists.com/2025/12/04/strategic-risk-solutions-names-robert-gagliardi-ceo-of-srs-titanium-appoints-sandy-bigglestone-as-managing-director-cgrco-78537/) - Leadership Additions Strengthen SRS Titanium and Firmwide Governance
- [King Risk Partners' Presence in Massachusetts Accelerates with Addition of Acacia Insurance](https://agencychecklists.com/2025/11/24/king-risk-partners-presence-in-massachusetts-accelerates-with-addition-of-acacia-insurance-78345/) - Acacia Insurance is an independent insurance agency based in Waltham
- [Survey Says 86% of Americans Would Trust AI to Aid Them in Purchasing Auto Insurance](https://agencychecklists.com/2025/11/24/survey-says-86-of-americans-would-trust-ai-to-aid-them-in-purchasing-auto-insurance-78352/) - New Insurify AI Report also says 68% of Americans would let AI change their car insurance if it could save them $1,000 a year
- [Big ‘I’ Survey: Consumers Blame Lawsuit Surge for Rising Insurance Costs](https://agencychecklists.com/2025/11/24/consumers-agree-legal-system-abuse-drives-up-insurance-costs-prompting-demand-for-reform-78388/) - New survey shows widespread concern that excessive lawsuits are hurting policyholders
- [NICB Links Third-Party Litigation Funding to Fraud-Fueled Litigation Surge](https://agencychecklists.com/2025/11/24/nicb-links-third-party-litigation-funding-to-fraud-fueled-litigation-surge-78413/) - New joint analysis with 4WARN finds three in four insurers targeted by digital opportunists
- [Industry Turns Out in Force to Fete This Year's Insurance Professional of the Year](https://agencychecklists.com/2025/11/24/over-500-insurance-professionals-turn-out-to-fete-this-years-insurance-professional-of-the-year-78435/) - The 23rd Annual Event Honored Mike Christian, Founder and Chairman of Risk Strategies
- [Travelers' Nicholas Seminara Appointed New Chair of NICB Board of Governors](https://agencychecklists.com/2025/11/24/travelers-evp-coo-appointed-new-chair-of-nicb-board-of-governors-78394/) - Oversees all claim operations for Travelers
- [DOI Issues Consumer Advisory Regarding Roof-Related Insurance Notices](https://agencychecklists.com/2025/11/06/doi-issues-consumer-advisory-regarding-rood-related-insurance-notices-78206/) - DOI Says to Watch Out for Mailers from an Entity Called Home Coverage Risk Alert
- [Governor Lamont Announces Insurance Commissioner Andrew Mais Retiring From State Service, Josh Hershman Nominated as Successor](https://agencychecklists.com/2025/11/24/governor-lamont-announces-insurance-commissioner-andrew-mais-retiring-from-state-service-josh-hershman-nominated-as-successor-78385/) - Mr. Mais has served as Commissioner since February 2019
- [Financial Professionals and Clients Disagree on Key Retirement Planning Conversations](https://agencychecklists.com/2025/11/21/financial-professionals-and-clients-disagree-on-key-retirement-planning-conversations-78382/) - New Alliance for Lifetime Income by LIMRA findings suggest this disconnect undermines retirement readiness
- [Modern Life Raises $20 Million Series A to Empower Advisors with AI-Powered Life Insurance Platform](https://agencychecklists.com/2025/11/21/modern-life-raises-20-million-series-a-to-empower-advisors-with-ai-powered-life-insurance-platform-78379/) - Thrive Capital, New York Life Ventures, and Northwestern Mutual Future Ventures support Modern Life, bringing next-generation technology to one of the last untapped sectors in financial services.
- [MassMutual and Barings Announce Investment by MS&AD Insurance Group Holdings for 18% Stake in Barings](https://agencychecklists.com/2025/11/21/massmutual-and-barings-announce-investment-by-msad-insurance-group-holdings-for-18-stake-in-barings-78376/) - Strategic partnership with MS&AD to accelerate Barings’ growth with additional capital and assets
- [The Hartford’s CEO Convenes Leader Group to Explore Vision for City Of Hartford’s Future](https://agencychecklists.com/2025/11/20/the-hartfords-ceo-convenes-leader-group-to-explore-vision-for-city-of-hartfords-future-78365/) - Hartford - The Hartford’s Chairman and CEO Christopher Swift has convened a group of corporate and community leaders in Greater Hartford to explore the development of a unifying vision for the City of Hartford. The Vision Committee will work with a broad range of stakeholders on a plan that could serve as a North Star
- [Chairman balks at possible Trump AI order](https://agencychecklists.com/2025/11/21/chairman-balks-at-possible-trump-ai-order-78372/) - Trump Advocates for One Federal Standard Instead of Patchwork of State Regulatory Schemes
- [In Memoriam: Brian Clifford McGrath](https://agencychecklists.com/2025/11/20/in-memoriam-brian-clifford-mcgrath-78367/) - Second-generation owner of the Edward J. McGrath Insurance Agency and past president of the Cape Cod Insurance Agents Association.
- [Mass. Retailers See Higher Costs Dampening Holiday Sales](https://agencychecklists.com/2025/11/20/mass-retailers-see-higher-costs-dampening-holiday-sales-78359/) - Consumers Expected to Curb Spending This Holiday Season
- [Data Privacy Legislation Now Active in Both Branches](https://agencychecklists.com/2025/11/20/data-privacy-legislation-now-active-in-both-branches-78354/) - Omnibus Data Privacy Bill Would Give Consumers More Control Over Personal Data
- [PIWA Names Officers and Directors; Burch President](https://agencychecklists.com/2025/11/19/piwa-names-officers-and-directors-burch-president-78343/) - In 2024, PIWA Merged with the New England Surplus Lines Association—Making it a Northeast Association.
- [Arbella Insurance Group Announces Retirement of Jim Hyatt, Executive Vice President, and Chief Underwriting Officer  ](https://agencychecklists.com/2025/11/19/arbella-insurance-group-announces-retirement-of-jim-hyatt-executive-vice-president-and-chief-underwriting-officer-78338/) - Allen Chaves appointed to the role of Vice President of Personal Lines
- [Trucordia Adds Five Agencies, Two in Massachusetts, As Part of National Expansion Effort](https://agencychecklists.com/2025/11/17/trucordia-adds-five-agencies-two-in-massachusetts-as-part-of-national-expansion-effort-78287/) - Leadership: A “Milestone” in the Company’s Growth Path
- [6th Look 2025: Market Share Report for MA Commercial Auto Insurers](https://agencychecklists.com/2025/11/17/6th-look-2025-market-share-report-for-ma-commercial-auto-insurers-78263/) - A Look at the Latest Data on Insurer Premiums & Market Share
- [Duffy Insurance Acquires Waverley Insurance Agency](https://agencychecklists.com/2025/11/17/duffy-insurance-acquires-waverley-insurance-agency-78276/) - Waverley Insurance Has Served the Belmont Area for Over 70 Years
- [DiVirgilio Insurance Acquires Ebba J. Holland Insurance Agency; Marks Seventh Acquisition for Lynnfield-Based Firm](https://agencychecklists.com/2025/11/17/divirgilio-insurance-acquires-ebba-j-holland-insurance-agency-marks-seventh-acquisition-for-lynnfield-based-firm-78292/) - Arlington Agency to Merge into DiVirgilio Insurance Following Founder’s Retirement
- [Top Commercial Auto Insurers in Massachusetts & New England](https://agencychecklists.com/2025/11/17/top-commercial-auto-insurers-in-massachusetts-new-england-78296/) - Insights into the Total Commercial Auto Insurance Marketplace
- [CQ3-2025 P/C Market Survey: Premium Growth Slows Sharply](https://agencychecklists.com/2025/11/18/cq3-2025-p-c-market-survey-premium-growth-slows-sharply-78325/) - Commercial Property Posts First Decrease Since 2017
- [2025 Third Quarter Supply Chain Risk Trends Analysis](https://agencychecklists.com/2025/11/18/2025-third-quarter-supply-chain-risk-trends-analysis-78327/) - Cargo Theft Holds Steady in Q3, Organized Crime Drives Surge in High-Value Cargo Theft Across U.S. and Canada
- [John Hancock Premieres Ground-Breaking Documentary Series: Longer. Healthier. Better.™ -- Leaders in Longevity](https://agencychecklists.com/2025/11/13/john-hancock-premieres-ground-breaking-documentary-series-longer-healthier-better-leaders-in-longevity-78257/) - Six-Part Series Features Renowned Thought Leaders in Early Cancer Detection, Nutrition and Obesity, the Science of Aging, and More
- [Social Pot Consumption Vote Could Come by Christmas](https://agencychecklists.com/2025/11/13/social-pot-consumption-vote-could-come-by-christmas-78261/) - Carrie Benedon chosen to join CCC, bringing experience from the attorney general's office
- [LIMRA: U.S. Individual Life Insurance Sales Post Double-Digit Premium and Policy Sales Growth in the Third Quarter](https://agencychecklists.com/2025/11/13/limra-u-s-individual-life-insurance-sales-post-double-digit-premium-and-policy-sales-growth-in-the-third-quarter-78253/) - Total New Premium Increased 16% to $4.3 billion in Q3-2025
- [New Study: MassMutual Health & Wealth Habits Report: Strong Financial Discipline Linked to Better Health](https://agencychecklists.com/2025/11/13/new-study-massmutual-health-wealth-habits-report-strong-financial-discipline-linked-to-better-health-78250/) - Highlight Findings From New MassMutual Health & Wealth Report
- [Report: Affordability Gap Grows for Those seeking starter homes](https://agencychecklists.com/2025/11/13/report-affordability-gap-grows-for-those-seeking-starter-homes-78238/) - Report card finds construction up and new permits down
- [Rep Targets 'Prized Possession" with Street Takeover Bill](https://agencychecklists.com/2025/11/13/rep-targets-prized-possession-with-street-takeover-bill-78235/) - New legislation would apply to anyone who "operates in a reckless or negligent manner and hinders the movement of other vehicles on such ways with a group of two or more other vehicles"
- [Healey touts 'no drama setup' in pitch to investors](https://agencychecklists.com/2025/11/07/healey-touts-no-drama-setup-in-pitch-to-investors-78227/) - As GOP challenges knock her, Healey says she's a 'pro-business governor'
- [State keeping eye on mobility impacts from surtax](https://agencychecklists.com/2025/11/07/state-keeping-eye-on-mobility-impacts-from-surtax-78224/) - Income tax cut ballot question would add to debate over revenue, behavior
- [SBLI Announces New Term Life Application and Submission Process to Align with Agent and Consumer Preferences](https://agencychecklists.com/2025/11/07/sbli-announces-new-term-life-application-and-submission-process-to-align-with-agent-and-consumer-preferences-78185/) - OmniTrak and EasyTrak term life insurance solutions enable agents to help more of their clients get the financial protection they need
- [LIMRA: Double-Digit Growth in Registered Annuity Products Drives Another $100+ Billion Quarter](https://agencychecklists.com/2025/11/07/limra-double-digit-growth-in-registered-annuity-products-drives-another-100-billion-quarter-78178/) - RILA quarterly sales surpass $20 billion for the first time, setting a new sales record.
- [Best’s Special Report: U.S. Life/Health Insurance Segment Rating Changes Tapered Off in First Half 2025](https://agencychecklists.com/2025/11/07/bests-special-report-u-s-life-health-insurance-segment-rating-changes-tapered-off-in-first-half-2025-78172/) - AM Best Recently Published its New Life/Health Report “Fewer L/H Rating Changes in First Half 2025,”
- [Plymouth Rock Assurance Brings Humor and Humanity to Insurance with New “Keep Calm and Rock On” Brand Campaign ](https://agencychecklists.com/2025/11/06/plymouth-rock-assurance-brings-humor-and-humanity-to-insurance-with-new-keep-calm-and-rock-on-brand-campaign-78211/) - Campaign transforms relatable moments of life in the northeast with a reassuring message to help navigate the chaos with calm and confidence
- [Arbella Insurance Foundation Celebrates 20th Anniversary by Donating $400,000 to 20 New England Nonprofits](https://agencychecklists.com/2025/11/06/arbella-insurance-foundation-celebrates-20th-anniversary-by-donating-400000-to-20-new-england-nonprofits-78208/) - Grants Benefit Organizations Addressing Hunger, Homelessness, Education, and Health Across the Region
- [Former Liberty Mutual CIO Gary DeGruttola Joins Gain Life Advisory Board](https://agencychecklists.com/2025/11/06/former-liberty-mutual-cio-gary-degruttola-joins-gain-life-advisory-board-78203/) - 30-Year Insurance Technology Leader to Guide Product Strategy and Industry Expansion
- [Bill Overhauling Car Rental Insurance Speeds Through Second Branch](https://agencychecklists.com/2025/11/06/bill-overhauling-car-rental-insurance-speeds-through-second-branch-78200/) - Shifts Liability to a Renter's Personal Auto Insurance
- [The Hanover Posts A Record 3rd Quarter Based On Good Weather And Pricing](https://agencychecklists.com/2025/11/03/the-hanover-posts-a-record-3rd-quarter-based-on-good-weather-and-pricing-78120/) - Quieter Cats, Stronger Pricing Boost Results
- [Top Private Passenger Auto Insurers in Massachusetts & New England](https://agencychecklists.com/2025/11/03/top-private-passenger-auto-insurers-in-massachusetts-new-england-78088/) - Insights into the Total Private Passenger Auto Insurance Marketplace
- [NAIC Announces Interim CEO ](https://agencychecklists.com/2025/11/03/naic-announces-interim-ceo-78068/) - Former Massachusetts Commissioner of Insurance Anderson Steps Down
- [Burgin Platner Acquires Walpole's Millis Insurance Agency (Acting as Herb Lewis Insurance)](https://agencychecklists.com/2025/11/03/burgin-platner-acquires-walpoles-millis-insurance-agency-acting-as-herb-lewis-insurance-78070/) - Quincy-based agency also celebrating its centennial anniversary this year
- [U.S. Pedestrian Deaths Decline, But Rise in Massachusetts](https://agencychecklists.com/2025/11/03/u-s-pedestrian-deaths-decline-but-rise-in-massachusetts-78075/) - Latest Findings Don't Bode Well for the Bay State
- [Marsh McLennan Agency Acquires Southborough’s Hayden Wood Insurance Agency](https://agencychecklists.com/2025/11/03/marsh-mclennan-agency-acquires-southboroughs-hayden-wood-insurance-agency-78081/) - Personal lines and collector auto specialist joins MMA’s Private Client Services division
- [Consumer Reports Publishes A ‘Homeowners Insurance Bill of Rights’](https://agencychecklists.com/2025/11/03/consumer-reports-publishes-a-homeowners-insurance-bill-of-rights-78090/) - A Summary of the Proposed Bill of Rights
- [Safety Insurance Q3 Profit Climbs as Rate Hikes Improve Underwriting Results](https://agencychecklists.com/2025/11/03/safety-insurance-q3-profit-climbs-as-rate-hikes-improve-underwriting-results-78116/) - Boston-based insurer reported net income of $28.3 million, or $1.91 per diluted share.
- [MassMutual to Pay Record $2.9 Billion in Policyowner Dividends in 2026](https://agencychecklists.com/2025/11/05/massmutual-to-pay-record-2-9-billion-in-policyowner-dividends-in-2026-78174/) - MassMutual Will Celebrate its 175th Anniversary in 2026
- [Arbella Celebrates 17th Annual “Pink Day”](https://agencychecklists.com/2025/10/16/arbella-celebrates-17th-annual-pink-day-77698/) - Arbella Insurance Group Employees Raised $28,000 This Year
- [P&C Sales Slow 7% in First Three Quarters of 2025](https://agencychecklists.com/2025/10/27/pc-sales-slows-7-in-first-three-quarters-of-2025-77956/) - Deals for P&C and benefits brokers in United States and Canada Slip as market consolidation continues
- [Federal Report 2025: P&C Sector's Decade-Best Underwriting Profit](https://agencychecklists.com/2025/10/20/federal-report-2025-pc-sectors-decade-best-underwriting-profit-77765/) - A P&C Turnaround: By the Numbers
- [Police Chief Says Street Takeovers Intended to "Cause Chaos"](https://agencychecklists.com/2025/10/17/police-chief-says-street-takeovers-intended-to-cause-chaos-77709/) - Healey outlines enforcement results, waves off Trump's World Cup threat
- [Monica Tibbits-Nutt, Massachusetts Transportation Secretary, Steps Down](https://agencychecklists.com/2025/10/16/monica-tibbits-nutt-massachusetts-transportation-secretary-steps-down-77672/) - Gov Healey taps MBTA's Eng as interim transportation chief
- [Scammers Bilking More Victims Through Crypto Kiosks](https://agencychecklists.com/2025/10/10/scammers-bilking-more-victims-through-crypto-kiosks-77614/) - Reformers demand regulation as kiosks spread through Massachusetts
- [N&D Welcomes Nick Shaw as Massachusetts Regional Marketing Manager](https://agencychecklists.com/2025/10/10/nd-welcomes-nick-shaw-as-massachusetts-regional-marketing-manager-77609/) - Will Oversee Insurer's Marketing and Agency Distribution Efforts Across Massachusetts
- [The Marathon Bombing And The Massachusetts Statutory Terrorist Act Exclusion](https://agencychecklists.com/2013/04/22/what-agents-should-know-about-the-ma-fire-insurance-policys-terrorist-act-exclusion-9736/) - In the wake of the tragic bombing in Boston last week, agents may be asked questions about the statutory exclusion for terrorist acts.
- [MetLife Pet Insurance Has a New Top Dog: Snoopy](https://agencychecklists.com/2023/01/20/metlife-pet-insurance-has-a-new-top-dog-snoopy-63779/) - Beloved Peanuts Canine is Partnering With Company’s Pet Insurance Business
- [American Council of Life Insurers Names Paul A. Quaranto, Jr., Chairman ACLI Chair for 2024](https://agencychecklists.com/2023/10/13/american-council-of-life-insurers-names-paul-a-quaranto-jr-chairman-acli-chair-for-2024-68044/) - American Council of Life Insurers Names Paul A. Quaranto, Jr., Chairman ACLI Chair for 2024 | Agency Checklists
- [Boston Mutual Life Insurance Company Appoints Frederick Snow, Regional Sales Director in Northern New England](https://agencychecklists.com/2024/03/07/boston-mutual-life-insurance-company-appoints-frederick-snow-regional-sales-director-in-northern-new-england-70151/) - Mr. Snow will oversee workplace sales in the national life insurance carrier's Northern New England region
- [Boston Mutual Life Insurance Company's Making An Impact Program Celebrates Six Years of Giving Back](https://agencychecklists.com/2024/05/08/boston-mutual-life-insurance-companys-making-an-impact-program-celebrates-six-years-of-giving-back-71072/) - National life insurance carrier recognizes corporate citizenship program milestone by acknowledging more than $1.5 million in charitable donations since 2018
- [Senior Life Signs Assurance of Discontinuance with AG on Claims of Governmental Affiliation](https://agencychecklists.com/2024/05/13/senior-life-signs-assurance-of-discontinuance-with-ag-on-claims-of-governmental-affiliation-71097/) - AG Alleges Senior Life Used Deceptive Mailers With Massachusetts Residents
- [Insurance Broker in End-of-Life Policy Fraud Looking at 12-18 Months](https://agencychecklists.com/2024/06/24/insurance-broker-in-end-of-life-policy-fraud-looking-at-12-18-months-71530/) - North Attleboro Insurance Broker Pleads Guilty
- [NAIC Life Insurance Policy Locator Connects Consumers with Over $10 Billion in Unclaimed Benefits](https://agencychecklists.com/2024/09/30/naic-life-insurance-policy-locator-connects-consumers-with-over-10-billion-in-unclaimed-benefits-72560/) - The Life Insurance Policy Locator Was First Launched in 2016
- [The Top 25 Life Insurance Companies in the U.S.](https://agencychecklists.com/2024/09/30/the-top-25-life-insurance-companies-in-the-u-s-72564/) - Life Insurance & Annuities is the largest industry in Massachusetts
- [Boston Mutual Life Insurance Company Hires Kevin Schuler, Regional Sales Director in Southern New England](https://agencychecklists.com/2024/10/18/boston-mutual-life-insurance-company-hires-kevin-schuler-regional-sales-director-in-southern-new-england-72866/) - New addition to sales department will oversee workplace sales for the national life insurance carrier in Connecticut, Rhode Island, and Western Massachusetts
- [North Attleboro Insurance Broker Gets 18 Months For Life Insurance Fraud Scheme](https://agencychecklists.com/2024/10/21/north-attleboro-insurance-broker-gets-18-months-for-life-insurance-fraud-scheme-72899/) - Sentencing Follows Guilty Plea on Same Day for Wire Fraud Involving End-of-Life Insurance Policies
- [Boston Mutual Life Insurance Company Names Grant David Ward Next President and Chief Operating Officer](https://agencychecklists.com/2024/12/04/boston-mutual-life-insurance-company-names-grant-david-ward-next-president-and-chief-operating-officer-73621/) - Will be the insurer's eighth president in company's 133-year history
- [Boston Mutual Life Insurance Company's Making An Impact Program Celebrates Seven Years of Giving Back](https://agencychecklists.com/2025/05/15/boston-mutual-life-insurance-companys-making-an-impact-program-celebrates-seven-years-of-giving-back-75770/) - National life insurance carrier recognizes corporate citizenship program milestone by acknowledging more than $1.75 million in charitable donations since 2018
- [NAIC Life Insurance Policy Locator Tool Helps Consumers Connect with More Than $13 Billion in Benefits](https://agencychecklists.com/2025/10/03/naic-life-insurance-policy-locator-tool-helps-consumers-connect-with-more-than-13-billion-in-benefits-77493/) - September was Life Insurance Awareness Month
- [SBLI Refreshes Brand Identity with a Focus on Modern, Simple Life Insurance Protection](https://agencychecklists.com/2025/09/25/sbli-refreshes-brand-identity-with-a-focus-on-modern-simple-life-insurance-protection-77188/) - Refreshed brand reflects SBLI’s purpose of offering “Simply Better Life Insurance.”
- [Best’s Special Report: First-Half 2025 Net Income in U.S. Life/Annuity Insurance Industry Increases by Nearly 40%](https://agencychecklists.com/2025/09/29/bests-special-report-first-half-2025-net-income-in-u-s-life-annuity-insurance-industry-increases-by-nearly-40-77291/) - U.S. life/annuity (L/A) Insurance Industry Increased in First Half of 2025
- [Consumers Under 40 Are Skipping Life Insurance](https://agencychecklists.com/2025/09/29/consumers-under-40-are-skipping-life-insurance-77300/) - September is Life Insurance Awareness Month
- [Life Insurance is the Largest Industry in Massachusetts](https://agencychecklists.com/2025/09/29/life-insurance-is-the-largest-industry-in-massachusetts-77278/) - The Top 10 Life Insurers in MA by Premium and Market Share
- [Connectiv and NAIFA Launch Protectors Vegas -- the New Annual Gathering for the Life and Annuity Industry](https://agencychecklists.com/2025/10/24/connectiv-and-naifa-launch-protectors-vegas-the-new-annual-gathering-for-the-life-and-annuity-industry-77846/) - Event is slated for November 9th-11th 2026
- [AM Best Affirms Credit Ratings of Massachusetts Mutual Life Insurance Company and Its Subsidiaries](https://agencychecklists.com/2025/10/24/am-best-affirms-credit-ratings-of-massachusetts-mutual-life-insurance-company-and-its-subsidiaries-77855/) - Ratings Reflect Life Insurers Strong Balance Sheet and Operating Performance
- [5th Look 2025: Market Share Report for MA Auto Insurance Marketplace](https://agencychecklists.com/2025/09/22/5th-look-2025-market-share-report-for-ma-auto-insurance-marketplace-76801/) - A Look at the Latest Data on Insurer’s Exposures & Market Share
- [Insurance Industry Has an Image Problem with Gen Z](https://agencychecklists.com/2025/10/31/insurance-industry-has-an-image-problem-with-gen-z-78040/) - 79% of Gen Z Have Never Considered a Career in Insurance, New Cake & Arrow Report Finds
- [Healey Plan Puts Municipalities in Pole Position](https://agencychecklists.com/2025/10/31/healey-plan-puts-municipalities-in-pole-position-78036/) - Cities, towns could enforce utility pole removal requirement with penalties
- [In Memoriam: Barbara Comeau, 1948-2025](https://agencychecklists.com/2025/10/31/in-memoriam-barbara-comeau-1948-2025-78033/) - Enjoyed a 30-year career with MassMutual Life Insurance
- [In Memoriam: Thomas R. Barrett, 1936-2025](https://agencychecklists.com/2025/10/31/in-memoriam-thomas-r-barrett-1936-2025-78030/) - Founded Barrett Insurance, which continues as a local independent agency
- [In Memoriam: Wayne Hutchins, 1927-2025](https://agencychecklists.com/2025/10/31/in-memoriam-wayne-hutchins-1927-2025-78026/) - A past president of the New Hampshire Association of Domestic Insurance Companies, Mr. Hutchins passed away earlier this year
- [Health Insurance Shopping Season Opening with Trepidation](https://agencychecklists.com/2025/10/31/health-insurance-shopping-season-opening-with-trepidation-78023/) - Connector offering guidance but some consumers "scared" by higher costs
- [Healey Wants Mandatory Reporting of Municipal Cyberattacks](https://agencychecklists.com/2025/10/31/mandatory-municipal-cyberattack-reportings-78018/) - Gorzkowicz says change could open up resources, target vulnerabilities
- [In Memoriam: Thomas C. Lynch, 1946-2025](https://agencychecklists.com/2025/10/30/in-memoriam-thomas-c-lynch-1946-2025-78009/) - A Co-Founder of the Worker's Comp Consulting Firm Lynch, Ryan & Associates, Inc.
- [The Council of Insurance Agents & Brokers Elects John Howard of CRC Group as 2025/2026 Board Chair](https://agencychecklists.com/2025/10/30/the-council-of-insurance-agents-brokers-elects-john-howard-of-crc-group-as-2025-2026-board-chair-78005/) - Former Risk Strategies Head John Mina also named to Board
- [Insurance Agency Mergers & Acquisitions in Massachusetts | Q3-2025](https://agencychecklists.com/2025/10/27/insurance-agency-mergers-acquisitions-in-massachusetts-q3-2025-77923/) - Featuring Updated List of Mergers & Acquisitions as of Q3-2025
- [Renaissance Alliance Expands National Profile With IAN Acquisition](https://agencychecklists.com/2025/10/27/renaissance-alliance-expands-national-profile-with-ian-acquisition-77963/) - Fifth Agency Network to Join Renaissance Since 2023
- [Millennials Turn to Smart Tech, Boomers Stick to Repairs: Nationwide Survey Shows Diverging Paths to Home Protection](https://agencychecklists.com/2025/10/27/millennials-turn-to-smart-tech-boomers-stick-to-repairs-nationwide-survey-shows-diverging-paths-to-home-protection-77969/) - Explores How Each Generation Approaches Homeownership
- [2025 Cybersecurity Awareness Month Tip #4: Recognize and Report Phishing](https://agencychecklists.com/2025/10/27/2025-cybersecurity-awareness-month-tip-4-recognize-and-report-phishing-77975/) - How can you tell if a message is phishing?
- [The Top Homeowners Insurers in Massachusetts & New England](https://agencychecklists.com/2025/10/27/the-top-homeowners-insurers-in-massachusetts-new-england-77967/) - Massachusetts is the largest homeowners insurance marketplace in New England
- [DOI Issues Q&A on Protected Accessory Dwelling Units](https://agencychecklists.com/2025/10/23/doi-issues-qa-on-protected-accessory-dwelling-units-77837/) - What the Division of Insurance Has to Say About Protected Use Accessory Dwelling Units (ADUs)
- [Simply Business Pioneers First-of-its-Kind AI Advisor to Simplify Insurance for Small Business Owners](https://agencychecklists.com/2025/10/24/simply-business-pioneers-first-of-its-kind-ai-advisor-to-simplify-insurance-for-small-business-owners-77902/) - AI-powered advisor uses proprietary technology, built on a Retrieval-Augmented Generation (RAG) model
- [Anthony Genna at Boston Mutual Life Insurance Company Selected for American Council of Life Insurers (ACLI) 2026 Rising Leader Program](https://agencychecklists.com/2025/10/24/anthony-genna-at-boston-mutual-life-insurance-company-selected-for-american-council-of-life-insurers-acli-2026-rising-leader-program-77899/) - Vice president of underwriting and commercial mortgage loans at national life insurance carrier recognized for leadership in industry program
- [Liberty Mutual Insurance Promotes Nate Zangerle to President, Global Surety](https://agencychecklists.com/2025/10/24/liberty-mutual-insurance-promotes-nate-zangerle-to-president-global-surety-77888/) - Current President Tim Mikolajewski to Retire
- [Liberty Mutual Insurance Signs as Title Sponsor of Music City Bowl](https://agencychecklists.com/2025/10/24/liberty-mutual-insurance-signs-as-title-sponsor-of-music-city-bowl-77895/) - NCAA-certified Liberty Mutual Music City Bowl to debut in December 2025 in Nashville
- [MountainOne Insurance Promotes Shannon Dozier to Personal Lines Manager](https://agencychecklists.com/2025/10/24/mountainone-insurance-promotes-shannon-dozier-to-personal-lines-manager-77885/) - First began her career with Mountain One as Front Desk Coordinator
- [SIAA’s Fall Business Meeting Raises Awareness and Funds for Dana-Farber Cancer Institute](https://agencychecklists.com/2025/10/24/siaas-fall-business-meeting-raises-awareness-and-funds-for-dana-farber-cancer-institute-77874/) - Highest Level of Funds Raised to Date
- [IICF CEO Steps Down After 21 Years; Search for New CEO Begins](https://agencychecklists.com/2025/10/24/iicf-ceo-steps-down-after-21-years-search-for-new-ceo-begins-77862/) - IICF Also Announces Strategic Review
- [AM Best Special Report: U.S. Property/Casualty Insurance Segment Rating Upgrades and Downgrades Track Similar Path in First Half 2025](https://agencychecklists.com/2025/10/24/am-best-special-report-u-s-property-casualty-insurance-segment-rating-upgrades-and-downgrades-track-similar-path-in-first-half-2025-77852/) - Overall Rating Upgrades ticked up during 1H-2025 as Compared to 1H-2024
- [NAIC Welcomes Foreign Regulators for Fall 2025 International Fellows Program](https://agencychecklists.com/2025/10/24/naic-welcomes-foreign-regulators-for-fall-2025-international-fellows-program-77842/) - 2025 Program Marks 20th Anniversary of Bilateral Cooperation and Learning
- [National Report Snaps Local Tax Reform Ideas into Context](https://agencychecklists.com/2025/10/23/national-report-snaps-local-tax-reform-ideas-into-context-77828/) - Massachusetts is an "outlier" as one of only 12 states with an estate tax
- [Slate of AI Regulation Bills Released to Senate](https://agencychecklists.com/2025/10/23/slate-of-ai-regulation-bills-released-to-senate-77830/) - Includes formation of MassCompute to create and implement regulations related to AI and its usage
- [Best’s Market Segment Report: U.S. Government Shutdown May Create Opening for Private Flood Insurers to Fill Void Left by Lack of NFIP Coverage](https://agencychecklists.com/2025/10/20/bests-market-segment-report-u-s-government-shutdown-may-create-opening-for-private-flood-insurers-to-fill-void-left-by-lack-of-nfip-coverage-77742/) - The National Flood Insurance Program (NFIP) Failed To Be Renewed Prior to the Government Shutdown
- [Massachusetts Home Sales Up 3% Year to Date](https://agencychecklists.com/2025/10/23/massachusetts-home-sales-up-3-year-to-date-77826/) - Massachusetts permitted only 14,338 new "homes" in 2024
- [Largest P&C Insurer in U.S. To Enter Massachusetts](https://agencychecklists.com/2025/10/21/how-will-state-farm-announcing-it-will-enter-the-massachusetts-market-affect-local-agents-77761/) - How Will State Farm Announcing It Will Write Insurance in Massachusetts Affect Local Agents
- [Coverage Gaps Highlight Strategic Opportunity for Independent Agents](https://agencychecklists.com/2025/10/20/coverage-gaps-highlight-strategic-opportunity-for-independent-agents-77747/) - Cyber insurance has the lowest awareness amongst the four coverage
- [Pedestrian Fatalities Rise in Mass. Despite National Decline](https://agencychecklists.com/2025/10/20/pedestrian-fatalities-rise-in-mass-despite-national-decline-77725/) - New Findings from AAA During National Pedestrian Safety Month
- [One in Four Independent Agents Feels Undervalued by Carriers](https://agencychecklists.com/2025/10/20/one-in-four-independent-agents-feels-undervalued-by-carriers-77729/) - JD Power Study Finds Many Carriers Fail to Meet Agents' Most Basic Informational and Communication Needs
- [The Top Insurers All Lines in Massachusetts & New England](https://agencychecklists.com/2025/10/21/the-top-insurers-all-lines-in-massachusetts-new-england-77745/) - A current list of largest insurers in each of the New England states
- [2025 Cybersecurity Awareness Month Tip #3: Turn on Multifactor Authentication](https://agencychecklists.com/2025/10/20/2025-cybersecurity-awareness-month-tip-3-turn-on-multifactor-authentication-77727/) - The Massachusetts Division of Banks is offering tips during each week in October
- [NIPR Welcomes Newest Board Members ](https://agencychecklists.com/2025/10/17/nipr-welcomes-newest-board-members-77721/) - Mass. DOI Commissioner Joins the Board
- [Sticker Shock Forecast Due to Expiring Health Insurance Subsidies](https://agencychecklists.com/2025/10/17/sticker-shock-forecast-due-to-expiring-health-insurance-subsidies-77713/) - New premium estimates about to hit mailboxes as subsidy extension talks continue in Washington
- [Insurers and Agencies Struggling with Channel Harmony Can Now Seamlessly Transfer Leads within Bindable’s Policy Crusher®](https://agencychecklists.com/2025/10/16/insurers-and-agencies-struggling-with-channel-harmony-can-now-seamlessly-transfer-leads-within-bindables-policy-crusher-77701/) - New platform feature enables partners to capture more revenue, streamline workflows, and improve customer experiences through secure, efficient lead transfers
- [SIAA Unveils SIAA NXT, The Intelligent Distribution Platform](https://agencychecklists.com/2025/10/16/siaa-unveils-siaa-nxt-the-intelligent-distribution-platform-77693/) - Platform Unveiled During Aggregators Annual Meeting
- [MountainOne Insurance Promotes Margherita Hoffman to Senior Personal Lines Account Manager](https://agencychecklists.com/2025/10/16/mountainone-insurance-promotes-margherita-hoffman-to-senior-personal-lines-account-manager-77686/) - Position is a new leadership-level role at the company
- [Kemper Looking For a New CEO](https://agencychecklists.com/2025/10/16/kemper-looking-for-a-new-ceo-77682/) - Kemper Board has begun a comprehensive search for new CEO
- [Healey Announces Results of Street Takeover Enforcement Push](https://agencychecklists.com/2025/10/16/healey-announces-results-of-street-takeover-enforcement-push-77676/) - Last Week Gov. Pledged 'Zero Tolerance' For Growing Rallies Trend
- [Plymouth Rock Names James Foxx Chief of Agency Marketing for Massachusetts and New Hampshire ](https://agencychecklists.com/2025/10/16/plymouth-rock-names-james-foxx-chief-of-agency-marketing-for-massachusetts-and-new-hampshire-77668/) - Will Oversee All Aspects of PRAC's relations with its Agency Partners
- [Former Baker Aide to Lead Healey's Competitiveness Council](https://agencychecklists.com/2025/10/16/former-baker-aide-to-lead-healeys-competitiveness-council-77664/) - New Advisory Council will include a wide variety of individuals from different sectors of the Massachusetts economy
- [2025 Cybersecurity Awareness Month Tip #2: Use Strong Passwords](https://agencychecklists.com/2025/10/16/2025-cybersecurity-awareness-month-tip-2-use-strong-passwords-77661/) - The Massachusetts Division of Banks is offering tips during each week in October
- [New Law Takes One Weapon Away From Eager Home Buyers](https://agencychecklists.com/2025/10/16/new-law-takes-one-weapon-away-from-eager-home-buyers-77653/) - Starting Wednesday, sellers can't condition accepted offers on waiver of property inspection
- [Insurance Agency Mergers & Acquisitions in Massachusetts | Q2-2025](https://agencychecklists.com/2025/07/28/insurance-agency-mergers-acquisitions-in-massachusetts-q2-2025-76351/) - Agency Checklists’ proprietary list of purchases and sales of insurance agencies in New England
- [Reports Say Acrisure To Layoff 400 Employees in 2026](https://agencychecklists.com/2025/10/10/reports-say-acrisure-to-layoff-400-employees-in-2026-77637/) - Layoffs Represent About 2.1% of Acrisure's Worldwide Staff
- [Ormsby Insurance Agency Renews Prestigious MAIA Five StarAgency Designation](https://agencychecklists.com/2025/10/10/ormsby-insurance-agency-renews-prestigious-maia-five-staragency-designation-77640/) - West Springfield Agency First Achieved Five Start Distinction in 2009
- [Healey Pledges "Zero Tolerance" for Violent Street Takeovers](https://agencychecklists.com/2025/10/10/healey-pledges-zero-tolerance-for-violent-street-takeovers-77632/) - Governor calls presser to highlight response to a "particular trend"
- [Menstrual Products, Vehicle Safety Bills on Move in Senate](https://agencychecklists.com/2025/10/10/menstrual-products-vehicle-safety-bills-on-move-in-senate-77624/) - Branch also plans vote on Foxborough housing and land use bill
- [Healey Nominates Four for Judgeships](https://agencychecklists.com/2025/10/10/healey-nominates-four-for-judgeships-77617/) - Superior Court Nominee Feiner is from the Organization Run By Gov's Partner
- [Fed law may help businesses, high-earning households on state taxes](https://agencychecklists.com/2025/10/07/fed-law-may-help-businesses-high-earning-households-on-state-taxes-77582/) - Higher SALT cap carries $222 million benefit on state tax filings, memo says
- [Finding C Corporation Tax Savings Where the Agency’s Goodwill Is the Personal Asset of the Agency Owner](https://agencychecklists.com/2013/03/20/agents-personal-goodwill-for-sale-2-9400/) - How allocating personal goodwill in the purchase and sale of a C corporation can help agent owners avoid double taxation.
- [Liberty Mutual Insurance Launches Global Cyber Products](https://agencychecklists.com/2025/10/06/liberty-mutual-insurance-launches-global-cyber-products-77539/) - Both Products Offer Market-Leading Base Forms and Flexible Solutions for Companies in North America, Europe, Latin America and Asia
- [October is Cybersecurity Awareness Month - Massachusetts Is One Of The Top States For Cyber Crime Losses](https://agencychecklists.com/2019/10/01/cybersecurity-awareness-month-massachusetts-33731/) - The latest statistics on cybercrime as well as preventative measures any insurance professional can take to help prevent a potential cyber attack.
- [Fundación MAPFRE Celebrates 50 Years of Impact at the Museum of Fine Arts, Boston](https://agencychecklists.com/2025/10/06/fundacion-mapfre-celebrates-50-years-of-impact-at-the-museum-of-fine-arts-boston-77511/) - Evening Highlighted Foundation's Partnerships in Massachusetts
- [MAPFRE, MassDOT Offer Tips To Share During Pedestrian Safety Month](https://agencychecklists.com/2025/10/03/mapfre-massdot-offer-tips-to-share-during-pedestrian-safety-month-77495/) - October is Pedestrian Safety Month
- [Union Mutual Raises Over $147,000 for the Kelly Brush Foundation](https://agencychecklists.com/2025/10/03/union-mutual-raises-over-147000-for-the-kelly-brush-foundation-77486/) - This is the insurer's 20th year participating in the ride
- [MountainOne Insurance Promotes Lianne Kudlate to Senior Personal Lines Account Manager](https://agencychecklists.com/2025/10/03/mountainone-insurance-promotes-lianne-kudlate-to-senior-personal-lines-account-manager-77483/) - MountainOne Insurance is a subsidiary of MountainOne Bank
- [Brown & Brown Integrates Risk Strategies Talent to its Team](https://agencychecklists.com/2025/10/03/brown-brown-integrates-risk-strategies-talent-to-its-team-77478/) - Leadership updates will help power Retail segment expansion
- [Allstate Shakes Up Its Senior Leadership Team](https://agencychecklists.com/2025/10/03/allstate-shakes-up-its-senior-leadership-team-77475/) - A rearrangement of its senior leadership team
- [SAN Group Announces Promotion of Lisa Paese to Agency Onboarding Specialist](https://agencychecklists.com/2025/10/03/san-group-announces-promotion-of-lisa-paese-to-agency-onboarding-specialist-77470/) - Paese will support agencies new to SAN membership
- [In Memoriam: Sen. Edward Kennedy of Lowell dies, at 74](https://agencychecklists.com/2025/10/03/in-memoriam-sen-edward-kennedy-of-lowell-dies-at-74-77466/) - Spilka describes Kennedy as "champion for education, environmental sustainability, cultural development"
- [State Recommends Continuation of Fossil Fuel-Free Pilot Project](https://agencychecklists.com/2025/10/03/state-recommends-continuation-of-fossil-fuel-free-pilot-project-77463/) - First DOER report includes home energy rating scores, but other key questions remain to be answered
- [Alcohol Kiosks Raise Fan Experience, Compliance Questions](https://agencychecklists.com/2025/10/03/alcohol-kiosks-raise-fan-experience-compliance-questions-77454/) - Fenway Park workers question use of self-checkout kiosks in large arenas
- [A Lengthy Fed Gov Shutdown Will Adversely Affect Insurers](https://agencychecklists.com/2025/10/02/a-lengthy-fed-gov-shutdown-will-adversely-affect-insurers-77450/) - New AM Best Commentary Outlines Major Issues For Insurers
- [Ransomware and Supply Chain Attacks Drive Rising Cyber Insurance Claims](https://agencychecklists.com/2023/11/13/ransomware-and-supply-chain-attacks-drive-rising-cyber-insurance-claims-68701/) - Ransomware Claims Surge After Period of Stabilization
- [Insurance Watchdog: Hedge Funds Fueling Lawsuit Surge, Higher Premiums](https://agencychecklists.com/2024/03/04/insurance-watchdog-hedge-funds-fueling-lawsuit-surge-higher-premiums-70084/) - Causes Include Aggressive Attorney Marketing
- [A Shift In The Digital Winds in Auto Insurance?](https://agencychecklists.com/2024/06/03/a-shift-in-the-digital-winds-in-auto-insurance-71315/) - Insights from the J.D. Power 2024 U.S. Insurance Digital Experience Study
- [The Declining Dream of Affordable Homeowners Insurance](https://agencychecklists.com/2024/06/03/the-declining-dream-of-affordable-homeowners-insurance-71325/) - Homeowners Insurance Affordability Wanes Over Past Two Decades, Says IRC Study
- [Flattening Premiums Signal a Shift in P/C Insurance Market](https://agencychecklists.com/2024/06/03/flattening-premiums-signal-a-shift-in-p-c-insurance-market-71333/) - Latest Results From CIAB Q1-2024 Survey
- [2025 Insurance Success Blueprint: Digital Tools + Multi-Gen Families = Growth](https://agencychecklists.com/2024/11/25/2025-insurance-success-blueprint-digital-tools-multi-gen-families-growth-73577/) - States Insurance Is Standing At A Crossroad in 2025
- [U.S. Homeowners Face Rising Insurance Premiums Amid Climate and Economic Pressures](https://agencychecklists.com/2025/04/14/u-s-homeowners-face-rising-insurance-premiums-amid-climate-and-economic-pressures-75331/) - New Insurify Report Predicts 8% Rise in Rates With Average Homeowner Spending $261 More On Home Insurance in 2025
- [Jobs, Benefits, Flexible Hours at Stake in Driver Debate](https://agencychecklists.com/2022/03/31/jobs-benefits-flexible-hours-at-stake-in-driver-debate-58222/) - With Lawsuit in Mix, Lawmakers Must Decide Whether to Intervene
- [Weekly Roundup - Sooner or Later](https://agencychecklists.com/2022/03/28/weekly-roundup-sooner-or-later-58143/) - Recap and analysis of the week in state government
- [State Reports Addition of Nearly 15,000 Jobs in February](https://agencychecklists.com/2022/03/28/state-reports-addition-of-nearly-15000-jobs-in-february-58137/) - The unemployment rate in Massachusetts ticked down a notch to 4.7 percent in February.
- [Muni Matters: Making of a Mayor](https://agencychecklists.com/2022/03/28/muni-matters-making-of-a-mayor-58130/) - Settling In At City Halls, New Mayors Navigate "Connecting Phase"
- [Housing Trends: Rising Prices, Falling Sales, Inventory Woes](https://agencychecklists.com/2022/03/24/housing-trends-rising-prices-falling-sales-inventory-woes-58069/) - New Listings and Pending Sales Were Down As Well
- [Casualty Actuarial Society Announces Four Free DEI Research Papers on Racial Bias and Insurance Pricing](https://agencychecklists.com/2022/03/15/casualty-actuarial-society-announces-four-free-dei-research-papers-on-racial-bias-and-insurance-pricing-57713/) - A look at a series of new reports analyzing DEI issues in the insurance industry.
- [Endicott Student Awarded Internship at Soderberg Insurance Services](https://agencychecklists.com/2022/03/02/endicott-student-awarded-internship-at-soderberg-insurance-services-57396/) - Mr. DiBlasi is completing a computer science major at the North Shore-based college.
- [Muni Matters: Fitchburg Policy Highlights Complexity of Muni Comms](https://agencychecklists.com/2022/02/28/muni-matters-fitchburg-policy-highlights-complexity-of-muni-comms-57281/) - Communities Weigh How to Share Info with Electeds, Public
- [Green Line Extension Opening Day Planned for March 21](https://agencychecklists.com/2022/02/24/green-line-extension-opening-day-planned-for-march-21-57236/) - Second GLX Branch to Enter Service 'Late Summer'
- [Baker Extends $75 Mil to Aid Small Businesses](https://agencychecklists.com/2022/02/24/baker-extends-75-mil-to-aid-small-businesses-57234/) - Businesses Have Five Weeks to Apply for Grants of Up To $75,000
- [DealerPolicy Debuts Polly, A New and More Consumer-Friendly Brand](https://agencychecklists.com/2022/02/24/dealerpolicy-debuts-polly-a-new-and-more-consumer-friendly-brand-57221/) - Consumers receive instant insurance quote via integration with Cox Automotive's Dealer.com website platform.
- [Electric Bikes Taking Hold Without Regulatory Framework](https://agencychecklists.com/2022/03/31/electric-bikes-taking-hold-without-regulatory-framework-58230/) - Rep. Owens: Most States Have Already Adopted Policies
- [Coterie Insurance Expands Small Business Insurance Offerings to Massachusetts](https://agencychecklists.com/2022/03/31/coterie-insurance-expands-small-business-insurance-offerings-to-massachusetts-58254/) - Coterie is an insurtech platform for small business.
- [Healey Says Sports Betting “Is the Way Now”](https://agencychecklists.com/2022/03/31/healey-says-sports-betting-is-the-way-now-58275/) - Dem Guv Rival Chang-Diaz Has Said She's "Open" To The Idea
- [Weekly Roundup - Friends of Labor?](https://agencychecklists.com/2022/04/11/weekly-roundup-friends-of-labor-58456/) - Recap and analysis of the past week in Massachusetts state government.
- [CCC Guidance Aims To Clarify Ownership Boundaries](https://agencychecklists.com/2022/04/12/ccc-guidance-aims-to-clarify-ownership-boundaries-58565/) - Regulators Are Now Accepting Public Input
- [Mayors Press For Licensing Bill’s Passage](https://agencychecklists.com/2022/04/12/mayors-press-for-licensing-bills-passage-58569/) - Legislation Stuck In Clerk's Office Since House Passage In February
- [AAA: Massachusetts Gas Prices Up Eighteen Cents](https://agencychecklists.com/2022/05/10/aaa-massachusetts-gas-prices-up-eighteen-cents-59212/) - State’s Average is New Record High
- [Dorchester Workers' Union Recovers $5.3 Million Stolen in Email Scam](https://agencychecklists.com/2025/04/14/dorchester-workers-union-recovers-5-3-million-stolen-in-email-scam-75338/) - Spoofed Email Impersonated Union's Investment Manager
- [Gas Tax Suspension “Unlikely” to Impact Bond Rating, S&P Says](https://agencychecklists.com/2022/04/13/gas-tax-suspension-unlikely-to-impact-bond-rating-sp-says-58595/) - Leading Credit Rating Agencies 'Throw Cold Water' on Argument Against Gas Tax Suspension
- [Corvus Insurance Reports Ransomware Attacks are Down from Recent Peaks, as Costs and Frequency of Claims Trend Downward](https://agencychecklists.com/2022/04/14/corvus-insurance-reports-ransomware-attacks-are-down-from-recent-peaks-as-costs-and-frequency-of-claims-trend-downward-58614/) - Corvus Risk Insights Index™ finds 2021 average ransoms paid by quarter was $167K, down 44.2%.
- [Brown & Brown, Inc. announces quarterly revenues of $904.7 million,](https://agencychecklists.com/2022/04/29/brown-brown-inc-announces-quarterly-revenues-of-904-7-million-58873/) - Revenue numbers are an increase of 11.0% as compared to Q1-2021
- [Opponents Ask Court To Disqualify Dental Insurance Ballot Q](https://agencychecklists.com/2022/05/03/opponents-ask-court-to-disqualify-dental-insurance-ballot-q-58979/) - SJC hears a case that could determine whether voters get the final say over potential new insurance regulations.
- [Court Judging Fairness Of Income Surtax Summary](https://agencychecklists.com/2022/05/05/court-judging-fairness-of-income-surtax-summary-59048/) - Alcohol, Gig Worker Ballot Questions Face "Relatedness" Challenges
- [State Taxes Soar $3 Billion Higher Than Last April](https://agencychecklists.com/2022/05/05/state-taxes-soar-3-billion-higher-than-last-april-59051/) - Baker: More Evidence That Tax Relief Warranted, Affordable
- [Weekly Roundup - Differences Of Opinion](https://agencychecklists.com/2022/05/10/weekly-roundup-differences-of-opinion-59207/) - Recap and analysis of the past week in state government.
- [Two New Appointments At Preferred Mutual](https://agencychecklists.com/2022/05/26/two-new-appointments-at-preferred-mutual-59405/) - Jessie Remillard Appointed to Director of Human Resources Jessie Remillard has been appointed to Director of Human Resources at Preferred Mutual Insurance Company. Prior to this, Jessie was the Manager of Human Resources. In her new role as Director, Human Resources, Jessie will help Preferred Mutual Insurance Company advance the company’s people strategies and approaches,
- [Hi Marley Announces Formation of Insurance Advisory Council to Support Platform Innovation and Growth](https://agencychecklists.com/2022/05/27/hi-marley-announces-formation-of-insurance-advisory-council-to-support-platform-innovation-and-growth-59440/) - he Council Brings Together Industry Leaders to Advise on the Next Era of Insurance and Technology.
- [It’s Baker’s Move As License Bill Reaches His Desk](https://agencychecklists.com/2022/05/27/its-bakers-move-as-license-bill-reaches-his-desk-59448/) - Guv Objects To Bill, But Dems Have Votes For Override
- [MAPFRE USA Hires Jesse Zimmerman to Lead Commercial Lines](https://agencychecklists.com/2022/06/02/mapfre-usa-hires-jesse-zimmerman-to-lead-commercial-lines-59454/) - Mr. Zimmerman has more than 20 years in the property and casualty insurance industry.
- [Consumer Savings, Convenience Sought In Digital Repair Bill](https://agencychecklists.com/2022/06/03/consumer-savings-convenience-sought-in-digital-repair-bill-59476/) - Repair Rights Bill Idling In Senate Committee
- [Deck The Halls: The Insurance Library's Holiday Open House Returns!](https://agencychecklists.com/2022/12/16/deck-the-halls-the-insurance-librarys-holiday-open-house-returns-63405/) - The Insurance Library Association of Boston is the oldest private insurance library in the country
- [NAIC's Model Bulletin on Insurer AI Use Approved](https://agencychecklists.com/2023/12/19/naics-model-bulletin-on-insurer-ai-use-approved-69254/) - While Neither Binding Law Nor Regulation, New Bulletin Gives Guidance on Insurer Use of AI
- [MEMA Chief: Weather Delivering More "Gap Disasters"](https://agencychecklists.com/2024/01/08/mema-chief-weather-delivering-more-gap-disasters-69299/) - Quick Strikes Leaving Small Regions In Need Of Help
- [MAIW’s Middlesex/Essex Chapter Is Welcoming Applications For Its Annual Scholarship Award](https://agencychecklists.com/2024/02/01/maiws-middlesex-essex-chapter-is-welcoming-applications-for-its-annual-scholarship-award-3-69583/) - Application Deadline is May 31, 2024
- [Praise, Not Punishment, Highlighted In New MBTA Zoning Pitch](https://agencychecklists.com/2024/05/08/praise-not-punishment-highlighted-in-new-mbta-zoning-pitch-71064/) - AG Laments MBTA Communities Act Not Getting "The "Attention and Narrative it Deserves"
- [Hope Within A Hard Market?](https://agencychecklists.com/2024/05/20/hope-within-a-hard-market-71200/) - Insights from Channel Harvest's 17th Annual Survey
- [A Split Decision On Installment Payment Dispute Between The Calianos Agency & N&D](https://agencychecklists.com/2024/06/11/a-split-decision-on-installment-payment-dispute-between-calianos-agency-n-d-71382/) - Appeal of the Calianos Insurance Agency Against the Dedham-based Insurer
- [White House Overrules FEMA On Mass. Storm Aid](https://agencychecklists.com/2024/05/20/white-house-overrules-fema-on-mass-storm-aid-71155/) - Pertains to Severe Storms and Flooding from Sept. 11 to Sept. 13, 2023
- [Contractor Admits $1.3 Million Insurance and Tax Fraud Scheme](https://agencychecklists.com/2024/05/19/contractor-admits-1-3-million-insurance-and-tax-fraud-scheme-71185/) - Scheme Involved Defrauding Workers Comp. Insurer Travelers of Approximately $244,000
- [Bike-Pedestrian Crashes Flagged As Emerging Threat](https://agencychecklists.com/2024/05/17/bike-pedestrian-crashes-flagged-as-emerging-threat-71156/) - Tibbits-Nutt Cycles Through Transpo Topics During Remarks In Watertown
- [Proactive Tactics: How To Help Your Insureds Be Happy Amidst Rising Rates](https://agencychecklists.com/2024/05/06/proactive-tactics-how-to-help-your-insureds-be-happy-amidst-rising-rates-70981/) - A Q&A for agents looking at ways they can help their insureds
- [Licenses Of Agency That Suddenly Closed After Premium Conversion Revoked](https://agencychecklists.com/2024/05/07/licenses-of-agency-that-suddenly-closed-after-premium-conversion-revoked-71015/) - Division of Insurance Acts on Lawler’s Pattern of Mishandling Premium Payments
- [Jennifer Galfetti named Chief Operating Officer of Union Mutual](https://agencychecklists.com/2024/04/18/jennifer-galfetti-named-chief-operating-officer-of-union-mutual-70744/) - Ms. Galfetti first joined Union Mutual in 2009.
- [Council Confirms Wolohojian, Healey's Second High Court Pick](https://agencychecklists.com/2024/02/29/council-confirms-wolohojian-healeys-second-high-court-pick-70010/) - Jacobs Opposes Guv's Selection Of "Insider Nominee"
- [Healey Life-Sci, Climate Tech Plans Will Span 10 Years](https://agencychecklists.com/2024/03/01/healey-life-sci-climate-tech-plans-will-span-10-years-70025/) - Amidst Apprehension Over AI, Guv Sees It As Helpful Job Creator
- [Coverys Names Brian J. Farrell Jr. as Senior Vice President of Claims ](https://agencychecklists.com/2024/04/09/coverys-names-brian-j-farrell-jr-as-senior-vice-president-of-claims-70702/) - New Hire Underscores Company’s Investment in Operational Excellence and Commitment to Deliver Innovative Solutions to Policyholders
- [Mass. Employers Grew Less Confident in March](https://agencychecklists.com/2024/04/09/mass-employers-grew-less-confident-in-march-70706/) - Interest Rates, Inflation, Labor Costs Worry Still-Optimistic Employers
- [Tax Deduction On Bank Savings Interest Appears Doomed](https://agencychecklists.com/2024/05/23/tax-deduction-on-bank-savings-interest-appears-doomed-71263/) - Repeal Included in Gov. Healey's Budget
- [Immigrant Driver's License Law Credited With Surge In New Applications](https://agencychecklists.com/2024/07/08/immigrant-drivers-license-law-credited-with-surge-in-new-applications-71640/) - Measure Hailed as "Life-Changing" One Year After Taking Effect
- [Deland, Gibson Insurance Acquires Atchue Insurance](https://agencychecklists.com/2024/07/08/deland-gibson-insurance-acquires-atchue-insurance-71658/) - Expands Agency's Presence in Worcester and Surrounding Communities
- [Poll: Housing, Transportation Costs Pushing People Out Of Mass.](https://agencychecklists.com/2024/07/27/poll-housing-transportation-costs-pushing-people-out-of-mass-71923/) - "One in five Bay Staters envisions themselves leaving Massachusetts for another state within the next five years"
- [A New $200 Million Fund From Liberty Mutual Strategic Ventures Launches](https://agencychecklists.com/2024/07/29/a-new-200-million-fund-from-liberty-mutual-strategic-ventures-launches-71953/) - Fund is based in Boston
- [New MBTA Zoning Regs Give Noncompliant Towns More Time](https://agencychecklists.com/2025/01/16/new-mbta-zoning-regs-give-noncompliant-towns-more-time-74067/) - SJC Upheld MBTA Communities Act as a Constitutional Law Last Week
- [Climate Change Drives New Storm: Vineyarders Consider Leaving Island Over Home Insurance Hikes](https://agencychecklists.com/2025/03/04/climate-change-drives-new-storm-vineyarders-consider-leaving-island-over-home-insurance-hikes-74676/) - A perspective on the state of Massachusetts homeowners on the Islands
- [MassDOT And Fundación MAPFRE Announce High School Roadway Safety Public Service Contest](https://agencychecklists.com/2024/02/16/massdot-and-fundacion-mapfre-announce-high-school-roadway-safety-public-service-contest-69875/) - Contest seeks to engage students and underscore the importance of driving safely
- [GE Exits Insurance: Selling Electric Insurance with Plymouth Rock Getting Renewal Rights](https://agencychecklists.com/2024/02/13/ge-exits-insurance-selling-electric-insurance-with-plymouth-rock-getting-renewal-rights-69799/) - Driving the Exit is GE’s Corporate Restructuring
- [Last Look 2023: Update on the MA Private Passenger Auto Insurance Marketplace](https://agencychecklists.com/2024/02/12/last-look-2023-update-on-the-ma-private-passenger-auto-insurance-marketplace-69778/) - The State of the Marketplace as of November 2023
- [Report Cites "Broad Based" Weakness In Mass. Economy](https://agencychecklists.com/2024/02/09/report-cites-broad-based-weakness-in-mass-economy-69762/) - Continued Slow Growth Likely In Mass. Over First Half Of 2024
- [Fortune 500 Faces $5.4 Billion Financial Hit from CrowdStrike Outage](https://agencychecklists.com/2024/07/29/fortune-500-faces-5-4-billion-financial-hit-from-crowdstrike-outage-71961/) - Analysis of Losses For Fortune 500 Excluding Microsoft
- [Insurance Agencies in Shelburne Falls and Greenfield Partner with Wheeler & Taylor](https://agencychecklists.com/2024/07/29/insurance-agencies-in-shelburne-falls-and-greenfield-partner-with-wheeler-taylor-71959/) - Mirick Insurance Agency, Shelburne Falls, and Albert B. Allen Insurance Agency, Greenfield, join Great Barrington, Mass., firm to give their customers additional insurance products and expertise
- [Massachusetts Property Insurance Law: SJC Rules on 'Surface Water'](https://agencychecklists.com/2024/07/29/policyholder-victory-sjcs-surface-water-ruling-expands-property-coverage-71967/) - $400 Million Claim Over Meaning of "Surface Water"

## Pages

- [New Hampshire Insurance News](https://agencychecklists.com/new-hampshire-insurance-news-2/)
- [Selling Your Massachusetts Insurance Agency](https://agencychecklists.com/mass-insurance-checklists/agency-sale-checklist/) - Nine points on what an insurance agent should review before selling their insurance agency.
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- [Data](https://agencychecklists.com/data/) - The Latest Data for the Massachusetts Insurance Industry Agency Checklists' annual market share reports recapping the market share and major players in the major lines within the Massachusetts insurance industry NAIC 2021 Market Share Reports NAIC 2020 Market Share Reports 2020 Massachusetts Market Share Reports
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- [Moving Your Massachusetts Insurance Agency](https://agencychecklists.com/mass-insurance-checklists/agency-move-checklist/) - An inside-look from one Massachusetts insurance agent as to what you should consider before moving your insurance agency.
- [Remuneration Audit Checklist](https://agencychecklists.com/mass-insurance-checklists/agency-audit-checklist/) - A checklist outlining the documents agents should help their insureds prepare in anticipation of a policy audit.
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- [Hiring An Insurance Producer In Massachusetts](https://agencychecklists.com/mass-insurance-checklists/producer-contracts-checklist/) - Agency Checklists' discusses what Mass. insurance agents and agencies should know about contracts prior to hiring a new producer.
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- [How Premium Financing Can Work For Your Massachusetts Insurance Agency](https://agencychecklists.com/mass-insurance-checklists/premium-finance-checklist/) - Agency Checklists explains what is premium financing, how it works in Massachusetts and why it may be a beneficial to option for insurance agents.
- [Purchasing An Insurance Agency in Massachusetts](https://agencychecklists.com/mass-insurance-checklists/acquisition-agreements-checklist/) - Eleven points to consider before buying an insurance agency in Massachusetts, New England, or beyond.
- [Why, When, & How: Times When A Massachusetts Insurance Agent Should Use A Business Broker](https://agencychecklists.com/mass-insurance-checklists/business-broker-checklist/) - Agency Checklists discusses the ins and outs for Massachusetts insurance agents who are considering using a business broker.
- [Contact Us](https://agencychecklists.com/contact/) - Need to get in touch with Agency Checklists? Please call our office manager at 617-598-3800 or contact us via our newsletter link.
- [The Agency Checklists Podcast](https://agencychecklists.com/the-agency-checklists-podcast/) - An AI-Powered Podcast from Agency Checklists Welcome to Deep Dive, a free AI-Powered podcast from Agency Checklists analysing a myriad of legal cases and issues involving insurance coverage law in Massachusetts. Peruse the current list of episodes available by clicking on the podcast links under each title below. The Agency Checklists' accompanying article on the
- [Post a Job on Agency Checklists](https://agencychecklists.com/ac-job-board/post-a-job/) - Individual Posts & Pricing An individual job posting is featured both on the Agency Checklists website and in our weekly emails for one month from the date of posting. The cost to post a job on Agency Checklists for one month is $250.00. All postings can be paid via invoice or credit card. Once we
- [Glossary](https://agencychecklists.com/glossary/)
- [Publish an Announcement on Agency Checklists...](https://agencychecklists.com/ma-doi-advertise/) - ...In Compliance with the Massachusetts Division of Insurance Licensing Requirements To comply with the two-week advertising requirements stipulated by the Massachusetts Division of Insurance, a company's advertisement can be placed on Agency Checklists starting any Monday for the required two-week period. In addition to appearing on the homepage of our website during the two-week period,
- [Massachusetts Property Policy Quiz](https://agencychecklists.com/massachusetts-property-policy/) - [tqb_quiz id='44213']
- [Order Received](https://agencychecklists.com/order-received/) - Hi, we have received your order. We will validate the order and will take necessary steps to move forward.
- [Applying For An Agency Loan](https://agencychecklists.com/mass-insurance-checklists/agency-loans-checklist/) - A look at what agents should think about before applying for a loan
- [Disclaimer](https://agencychecklists.com/terms-of-use/) - The information contained on www.agencychecklists.com's website (the "Service") is for general information purposes only. Agencychecklists.com assumes no responsibility for errors or omissions in the contents on the Service. In no event shall Agencychecklists.com be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract or
- [Archives](https://agencychecklists.com/archives/)

## CM Tooltip Glossary Pro+

- [Lanham Act](https://agencychecklists.com/glossary/lanham-act/) - Lanham Act: A federal statute, formally known as the Trademark Act of 1946, that prohibits false or misleading representations in commercial activity. In the context of image and likeness disputes, its two most commonly invoked provisions bar false association—using another person's name, image, or likeness in a way that falsely implies their affiliation with or
- [Workers’ compensation](https://agencychecklists.com/glossary/workers-compensation/) - Statutory benefits for work injuries.
- [MGL §162R(a)(2)](https://agencychecklists.com/glossary/§162ra2/) - Massachusetts General Law governing Insurance Producer license; suspension revocation, refusal to issue or renew or levying of civil penalties. Section 162R. (a) The commissioner may place on probation, suspend, revoke or refuse to issue or renew an insurance producer's license or may levy a civil penalty in accordance with section 7 of chapter 176D or
- [Debit Agent](https://agencychecklists.com/glossary/debit-agent/) - "Once he is hired, a debit agent is issued a debit book which contains the names and addresses of the company's existing policyholders in a relatively concentrated geographic area. This book is company property and must be returned to the company upon termination of the agent's service. The main job of the debit agents is to collect
- [Contract on a variable basis](https://agencychecklists.com/glossary/contract-on-a-variable-basis/) - Massachusetts statutory term.
- [Unfair methods of competition](https://agencychecklists.com/glossary/unfair-methods-of-competition/) - Massachusetts statutory term.
- [Unfair or deceptive acts or practices](https://agencychecklists.com/glossary/unfair-or-deceptive-acts-or-practices/) - Massachusetts statutory term.
- [Accident and health](https://agencychecklists.com/glossary/accident-and-health/) - A&H shorthand category label.
- [Medical malpractice](https://agencychecklists.com/glossary/medical-malpractice/) - Common label for MPL claims.
- [Death benefit](https://agencychecklists.com/glossary/death-benefit/) - Amount payable upon death.
- [Face amount](https://agencychecklists.com/glossary/face-amount/) - Stated policy amount.
- [Cash value](https://agencychecklists.com/glossary/cash-value/) - Accumulation value in permanent life.
- [Term life insurance](https://agencychecklists.com/glossary/term-life-insurance/) - Life coverage for a specified term.
- [Whole life insurance](https://agencychecklists.com/glossary/whole-life-insurance/) - Permanent life with cash value.
- [Universal life insurance](https://agencychecklists.com/glossary/universal-life-insurance/) - Permanent life with flexible premium structure.
- [Rider](https://agencychecklists.com/glossary/rider/) - Supplemental policy provision.
- [Lapse](https://agencychecklists.com/glossary/lapse/) - Termination for nonpayment or other specified reasons.
- [Incontestability clause](https://agencychecklists.com/glossary/incontestability-clause/) - Limits contest after a defined period.
- [Annuity](https://agencychecklists.com/glossary/annuity/) - Contract for accumulation and/or income stream.
- [Annuitant](https://agencychecklists.com/glossary/annuitant/) - Person on whose life annuity payments are based.
- [Annuitization](https://agencychecklists.com/glossary/annuitization/) - Conversion from accumulation to payout.
- [Deferred annuity](https://agencychecklists.com/glossary/deferred-annuity/) - Annuity with payout beginning later.
- [Immediate annuity](https://agencychecklists.com/glossary/immediate-annuity/) - Annuity with payout beginning shortly after purchase.
- [Surrender value](https://agencychecklists.com/glossary/surrender-value/) - Amount available upon surrender.
- [Surrender charge](https://agencychecklists.com/glossary/surrender-charge/) - Fee applied upon early surrender/withdrawal.
- [Domestic company](https://agencychecklists.com/glossary/domestic-company/) - Massachusetts statutory term.
- [Consent to settlement clause](https://agencychecklists.com/glossary/consent-to-settlement-clause/) - Settlement requires insured consent.
- [Hammer clause](https://agencychecklists.com/glossary/hammer-clause/) - Settlement provision affecting insured responsibility.
- [Coinsurance hammer clause](https://agencychecklists.com/glossary/coinsurance-hammer-clause/) - Variant hammer clause with cost-share effect.
- [Vicarious liability](https://agencychecklists.com/glossary/vicarious-liability/) - Liability for acts of others.
- [Ostensible agency](https://agencychecklists.com/glossary/ostensible-agency/) - Apparent agency concept.
- [Beneficiary](https://agencychecklists.com/glossary/beneficiary/) - Person designated to receive benefits.
- [Copayment (copay)](https://agencychecklists.com/glossary/copayment-copay/) - Fixed cost-sharing amount.
- [Coinsurance](https://agencychecklists.com/glossary/coinsurance/) - Percentage cost-sharing.
- [Out-of-pocket maximum](https://agencychecklists.com/glossary/out-of-pocket-maximum/) - Plan limit on cost-sharing.
- [Explanation of Benefits (EOB)](https://agencychecklists.com/glossary/explanation-of-benefits-eob/) - Post-claim statement of processing.
- [In-network](https://agencychecklists.com/glossary/in-network/) - Provider in plan network.
- [Out-of-network](https://agencychecklists.com/glossary/out-of-network/) - Provider outside plan network.
- [Schedule of benefits](https://agencychecklists.com/glossary/schedule-of-benefits/) - Summary of covered benefits and limits.
- [Professional liability](https://agencychecklists.com/glossary/professional-liability/) - Coverage for professional services errors/omissions.
- [Medical professional liability (MPL)](https://agencychecklists.com/glossary/medical-professional-liability-mpl/) - Professional liability for healthcare providers/facilities.
- [Prior acts coverage](https://agencychecklists.com/glossary/prior-acts-coverage/) - Claims-made coverage for earlier acts.
- [Full prior acts coverage](https://agencychecklists.com/glossary/full-prior-acts-coverage/) - Prior acts coverage without retro date limitation.
- [Basic extended reporting period (BERP)](https://agencychecklists.com/glossary/basic-extended-reporting-period-berp/) - Automatic/limited ERP in many claims-made forms.
- [Supplemental extended reporting period (SERP)](https://agencychecklists.com/glossary/supplemental-extended-reporting-period-serp/) - Optional/paid extended reporting (tail).
- [Comprehensive (other than collision)](https://agencychecklists.com/glossary/comprehensive-other-than-collision/) - Auto physical damage other-than-collision.
- [Uninsured motorist (UM)](https://agencychecklists.com/glossary/uninsured-motorist-um/) - Auto coverage for uninsured at-fault drivers.
- [Underinsured motorist (UIM)](https://agencychecklists.com/glossary/underinsured-motorist-uim/) - Auto coverage when at-fault limits are insufficient.
- [Medical payments (MedPay)](https://agencychecklists.com/glossary/medical-payments-medpay/) - No-fault medical coverage (auto).
- [Personal injury protection (PIP)](https://agencychecklists.com/glossary/personal-injury-protection-pip/) - No-fault benefits (auto).
- [Employers’ liability](https://agencychecklists.com/glossary/employers-liability/) - Liability coverage paired with workers’ compensation.
- [Accident and health (A&H) insurance](https://agencychecklists.com/glossary/accident-and-health-ah-insurance/) - Health/disability/accident product grouping.
- [Accident-only coverage](https://agencychecklists.com/glossary/accident-only-coverage/) - Coverage for accidental injury.
- [Disability income insurance](https://agencychecklists.com/glossary/disability-income-insurance/) - Income replacement due to disability.
- [Elimination period (waiting period)](https://agencychecklists.com/glossary/elimination-period-waiting-period/) - Time before disability benefits begin.
- [Benefit period](https://agencychecklists.com/glossary/benefit-period/) - How long benefits may be payable.
- [Pre-existing condition](https://agencychecklists.com/glossary/pre-existing-condition/) - Condition existing before coverage effective date.
- [All risks coverage](https://agencychecklists.com/glossary/all-risks-coverage/) - Broad property coverage subject to exclusions.
- [Ordinance or law](https://agencychecklists.com/glossary/ordinance-or-law/) - Coverage for increased costs due to code.
- [Vacancy](https://agencychecklists.com/glossary/vacancy/) - Property occupancy condition affecting coverage.
- [Business income](https://agencychecklists.com/glossary/business-income/) - Time-element coverage for lost income.
- [Extra expense](https://agencychecklists.com/glossary/extra-expense/) - Time-element coverage for extra costs.
- [Flood](https://agencychecklists.com/glossary/flood/) - Specific peril often handled separately.
- [Fire](https://agencychecklists.com/glossary/fire/) - Peril.
- [Commercial general liability (CGL)](https://agencychecklists.com/glossary/commercial-general-liability-cgl/) - Standard commercial liability coverage.
- [Bodily injury](https://agencychecklists.com/glossary/bodily-injury/) - Liability injury trigger term.
- [Property damage](https://agencychecklists.com/glossary/property-damage/) - Liability damage trigger term.
- [Personal and advertising injury](https://agencychecklists.com/glossary/personal-and-advertising-injury/) - Offense-based injury group.
- [Additional insured](https://agencychecklists.com/glossary/additional-insured/) - Added insured status by endorsement.
- [Insured contract](https://agencychecklists.com/glossary/insured-contract/) - Contract type treated as insured contract.
- [Collision](https://agencychecklists.com/glossary/collision/) - Auto physical damage coverage.
- [Ceded premium](https://agencychecklists.com/glossary/ceded-premium/) - Premium paid to reinsurer.
- [Treaty reinsurance](https://agencychecklists.com/glossary/treaty-reinsurance/) - Reinsurance covering a defined book/class.
- [Facultative reinsurance](https://agencychecklists.com/glossary/facultative-reinsurance/) - Reinsurance for a specific risk.
- [Surplus lines](https://agencychecklists.com/glossary/surplus-lines/) - Non-admitted market placement.
- [Captive insurer](https://agencychecklists.com/glossary/captive-insurer/) - Insurer formed to insure parent/affiliates.
- [Assigned risk plan](https://agencychecklists.com/glossary/assigned-risk-plan/) - Mechanism to place otherwise hard-to-insure risks.
- [Reservation of rights](https://agencychecklists.com/glossary/reservation-of-rights/) - Defense while reserving coverage defenses.
- [Defense costs](https://agencychecklists.com/glossary/defense-costs/) - Costs to defend claims.
- [Duty to defend](https://agencychecklists.com/glossary/duty-to-defend/) - Obligation to provide a defense.
- [Duty to indemnify](https://agencychecklists.com/glossary/duty-to-indemnify/) - Obligation to pay covered damages.
- [Actual cash value (ACV)](https://agencychecklists.com/glossary/actual-cash-value-acv/) - Loss value concept based on depreciation/condition.
- [Replacement cost](https://agencychecklists.com/glossary/replacement-cost/) - Cost to replace without depreciation deduction.
- [Named perils](https://agencychecklists.com/glossary/named-perils/) - Coverage limited to listed perils.
- [Underwriting](https://agencychecklists.com/glossary/underwriting/) - Risk selection and pricing.
- [Rate](https://agencychecklists.com/glossary/rate/) - Pricing measure used for premium.
- [Rating](https://agencychecklists.com/glossary/rating/) - Determining premium.
- [Adverse selection](https://agencychecklists.com/glossary/adverse-selection/) - Disproportionate higher-risk insureds seek coverage.
- [Occurrence](https://agencychecklists.com/glossary/occurrence/) - Event causing injury/damage.
- [Occurrence policy](https://agencychecklists.com/glossary/occurrence-policy/) - Coverage triggered by occurrence during policy period.
- [Claims-made policy](https://agencychecklists.com/glossary/claims-made-policy/) - Coverage triggered by claim first made (and reported as required).
- [Retroactive date](https://agencychecklists.com/glossary/retroactive-date/) - Claims-made limitation date.
- [Extended reporting period (ERP)](https://agencychecklists.com/glossary/extended-reporting-period-erp/) - Reporting extension for claims-made policies.
- [Tail coverage](https://agencychecklists.com/glossary/tail-coverage/) - Common label for ERP.
- [Primary insurance](https://agencychecklists.com/glossary/primary-insurance/) - First layer of coverage.
- [Excess insurance](https://agencychecklists.com/glossary/excess-insurance/) - Coverage above underlying.
- [Umbrella liability](https://agencychecklists.com/glossary/umbrella-liability/) - Excess liability often with broader terms.
- [Reinsurance](https://agencychecklists.com/glossary/reinsurance/) - Insurance purchased by insurers.
- [Ceding company](https://agencychecklists.com/glossary/ceding-company/) - Insurer transferring risk to reinsurer.
- [Claim](https://agencychecklists.com/glossary/claim/) - Demand for policy benefits.
- [Claimant](https://agencychecklists.com/glossary/claimant/) - Person or entity making a claim.
- [Notice of claim](https://agencychecklists.com/glossary/notice-of-claim/) - Reporting requirement.
- [Proof of loss](https://agencychecklists.com/glossary/proof-of-loss/) - Formal statement of loss.
- [Cancellation](https://agencychecklists.com/glossary/cancellation/) - Termination before expiration.
- [Nonrenewal](https://agencychecklists.com/glossary/nonrenewal/) - Insurer declines renewal.
- [Renewal](https://agencychecklists.com/glossary/renewal/) - Continuation for a new term.
- [Material misrepresentation](https://agencychecklists.com/glossary/material-misrepresentation/) - Misstatement affecting underwriting.
- [Indemnity](https://agencychecklists.com/glossary/indemnity/) - Compensation for loss.
- [Subrogation](https://agencychecklists.com/glossary/subrogation/) - Insurer’s right of recovery.
- [Waiver of subrogation](https://agencychecklists.com/glossary/waiver-of-subrogation/) - Agreement to waive recovery rights.
- [Insurable interest](https://agencychecklists.com/glossary/insurable-interest/) - A legally recognized interest in the insured subject.
- [Insured](https://agencychecklists.com/glossary/insured/) - Person or entity protected by the policy.
- [Insurer](https://agencychecklists.com/glossary/insurer/) - Company that issues the policy.
- [Policy](https://agencychecklists.com/glossary/policy/) - Insurance contract.
- [Policyholder](https://agencychecklists.com/glossary/policyholder/) - Owner of the insurance policy.
- [Premium](https://agencychecklists.com/glossary/premium/) - Price paid for coverage.
- [Application](https://agencychecklists.com/glossary/application/) - Request for insurance.
- [Binder](https://agencychecklists.com/glossary/binder/) - Temporary evidence of insurance.
- [Declarations](https://agencychecklists.com/glossary/declarations/) - Policy summary page.
- [Condition](https://agencychecklists.com/glossary/condition/) - Policy requirement that affects coverage.
- [Exclusion](https://agencychecklists.com/glossary/exclusion/) - What the policy does not cover.
- [Endorsement](https://agencychecklists.com/glossary/endorsement/) - Form that modifies the policy.
- [Deductible](https://agencychecklists.com/glossary/deductible/) - Insured’s retained amount.
- [Limit](https://agencychecklists.com/glossary/limit/) - Maximum payable under coverage.
- [Risk](https://agencychecklists.com/glossary/risk/) - Uncertainty of loss.
- [Hazard](https://agencychecklists.com/glossary/hazard/) - Condition that increases the likelihood or severity of loss.
- [Moral hazard](https://agencychecklists.com/glossary/moral-hazard/) - Behavior that increases loss likelihood after insurance is in force.
- [Peril](https://agencychecklists.com/glossary/peril/) - Cause of loss.
- [Exposure](https://agencychecklists.com/glossary/exposure/) - Unit of risk being insured.
- [DOI](https://agencychecklists.com/glossary/doi/) - Popular nickname for the Massachusetts Division of Insurance.
- [Liquefaction](https://agencychecklists.com/glossary/liquefaction/) - Ground liquefaction is a phenomenon that can cause major damage to buildings when it occurs during earthquakes where water-saturated soil loses its strength and stiffness, causing it to behave like a liquid. The key points are: Soil liquefaction occurs when earthquake shaking disrupts the soil structure, causing the water pressure between soil particles to rise
- [amicus curiae](https://agencychecklists.com/glossary/amicus-curiae/) - Friends of the court in Latin. Persons, businesses, or associations who are not parties to an appeal pending before an appellate court, but who have an interest in the outcome of the appeal. They will request leave to file an amicus brief to present arguments to influence the court's decision.
- [NYDFS](https://agencychecklists.com/glossary/nydfs/) - New York Department of Financial Services, the insurance regulator for the state of New York.
- [142A](https://agencychecklists.com/glossary/142a/) - The Home Improvement Contractor Law requires registration of contractors working on homes. The statute requires a home improvement contract must be in writing; the contract must include a clear description of all other documents, plans, drawings and/or specifications that are incorporated into the contract; the contractor must include its HIC registration number, along with complete
- [c. 176D](https://agencychecklists.com/glossary/c-176d/) - A Massachusetts statute prohibiting "Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of Insurance." The statute grants the commissioner of insurance broad authority in issuing cease and desist orders and fines to persons engaged in the business of insurance in the commonwealth. The statute also has a list of
- [Nolle prosequi](https://agencychecklists.com/glossary/nolle-prosequi/) - Nolle Prosequi, or "null pross" in courthouse slang," is when a prosecutor unilaterally advises the court that he or she will not further prosecute a complaint or indictment. A prosecutor has the discretion to terminate a case and may do so because of lack of evidence, a plea agreement or a superseding indictment.
- [93A](https://agencychecklists.com/glossary/93a/) - Chapter 93A of the Massachusetts General Laws makes unlawful any "unfair or deceptive acts or practices in the conduct of any trade or commerce." Under this statute, individuals and businesses can sue for actual damages as well as double or treble damages along with attorney fees.
- [Mass. Gen. L. c. 93A](https://agencychecklists.com/glossary/mass-gen-l-c-93a/) - Chapter 93A of the Massachusetts General Laws makes unlawful any "unfair or deceptive acts or practices in the conduct of any trade or commerce." Under this statute, individuals and businesses can sue for actual damages as well as double or treble damages along with attorney fees.
- [G.L. c. 93A](https://agencychecklists.com/glossary/g-l-c-93a/) - Chapter 93A of the Massachusetts General Laws makes unlawful any "unfair or deceptive acts or practices in the conduct of any trade or commerce." Under this statute, individuals and businesses can sue for actual damages as well as double or treble damages along with attorney fees.
- [API](https://agencychecklists.com/glossary/api/) - An application-programming interface (API) is a set of programming instructions and standards for accessing a Web-based software application or tool. For example, a company, such as Amazon, releases its API to the public so that developers can place the API on websites to access Amazon's services. In this case, using the Amazon API, a third party Web
- [AI](https://agencychecklists.com/glossary/ai/) - artificial intelligence
- [SDK](https://agencychecklists.com/glossary/sdk/) - software development kit
- [blockchain](https://agencychecklists.com/glossary/blockchain/) - Blockchain technology first became know as the basis of the cryptocurrency "bitcoin." blockchains are distributed transaction ledgers storing record data without central coordination by using a consensus-based mechanism to check the validity of transactions. Blockchain encrypted ledger entries distributed over the Internet: Altering or falsifying them without discovery is, as a practical matter, impossible. Since its first
- [LIDAR](https://agencychecklists.com/glossary/lidar/) - "Light Detection and Ranging"—is a remote sensing method used to examine the surface of the Earth. LIDAR data is often collected by government agencies and is available publicly.. For example, LIDAR data sets for many coastal areas can be downloaded from the Office for Coastal Management Digital Coast web portal.
- [SaaS](https://agencychecklists.com/glossary/saas/) - Software as a service
- [CRM](https://agencychecklists.com/glossary/crm/) - Customer relationship management
- [FINRA](https://agencychecklists.com/glossary/finra-2/) - The Financial Industry Regulatory Authority, FINRA, is an independent regulator for all securities firms doing business in the United States. FINRA licenses individuals and admits firms to the securities industry, writes rules to govern their behavior, examines them for regulatory compliance, and is authorized by the U.S. Securities and Exchange Commission (SEC) to discipline registered
- [Grange](https://agencychecklists.com/glossary/grange/) - Officially, The National Grange of the Order of Patrons of Husbandry, founded in 1867, as an agricultural fraternal organization to promote the economic and political well-being of farming families and communities.
- [SHINE Program](https://agencychecklists.com/glossary/shine-program/) - A program administered by the Executive Office of Elder that provides to Massachusetts residents of any age who have Medicare free health insurance information, counseling and assistance. SHINE is an acronym for “Serving the Health Insurance Needs of Everyone.”
- [Alexa skill](https://agencychecklists.com/glossary/alexa-skills/) - Alexa is the voice service that powers Amazon Echo and provides capabilities, or "skills", that enable customers to interact with devices in a more intuitive way using voice. Examples of skills include the ability to play music, answer general questions, set an alarm or timer. Alexa's skills are a type of chatbot.
- [chatbot](https://agencychecklists.com/glossary/chatbot/) - A chatbot is a service that can operate with a voice-enabled computer system that allows persons to interact with the system through questions and answers based on programmed rules to obtain information.
- [Medallion Signature Guarantee Stamp](https://agencychecklists.com/glossary/medallion-signature-guarantee-stamp/) - A medallion signature guarantee stamp is a stamp evidencing a signature guarantee for the transfer of securities. It is a guarantee by the transferring financial institution that the signature is genuine and the financial institution accepts liability for any forgery. Signature guarantees protect shareholders by preventing unauthorized transfers and possible investor losses.
- [ADALB](https://agencychecklists.com/glossary/adalb/) - Automobile Damage Appraiser Licensing Board, the independent board in the Division of Insurance, responsible for the licensing and regulation of motor vehicle damage appraisers in Massachusetts.
- [ATF](https://agencychecklists.com/glossary/atf/) - "ATF" is the acronym for "The Bureau of Alcohol, Tobacco, Firearms and Explosives." The law enforcement agency in the United States’ Department of Justice that investigates the illegal use and trafficking of firearms, the illegal use and storage of explosives, acts of arson and bombings, acts of terrorism, and the illegal diversion of alcohol and tobacco
- [FINRA](https://agencychecklists.com/glossary/finra/) - Financial Industry Regulatory Authority, Inc. A non-governmental organization that regulates security broker-dealers and security exchanges.
- [adversary proceeding](https://agencychecklists.com/glossary/adversary-proceeding/) - An adversary proceeding in bankruptcy is a separate lawsuit filed within a bankruptcy case. In many cases, these lawsuits are filed against the person seeking bankruptcy protection. A creditor may file an adversary proceeding to challenge the discharge in bankruptcy of that creditor’s debt because the debt resulted from the debtor incurring the debt by
- [reciprocal insurer](https://agencychecklists.com/glossary/reciprocal-insurer/) - A reciprocal insurer or reciprocal insurance exchange is a relatively uncommon form of insurance company that can combine features of both a mutual insurer and stock insurer. In this type of insurer subscribing members exchange contracts of indemnity with each other through an attorney-in-fact with each other. The attorney-in-fact issues policies and administer the operations
- [stat](https://agencychecklists.com/glossary/stat/) - statistic
- [KPI](https://agencychecklists.com/glossary/kpi/) - A key performance indicator (KPI) is a type of performance measurement for a particular activity that a company believes is critical to its core business.
- [agency impression](https://agencychecklists.com/glossary/agency-impression/) - An impression (in the context of on-line advertising) is when an ad is fetched from its source, and is countable. Each time an ad is fetched it is counted as one impression
- [tort](https://agencychecklists.com/glossary/tort/) - "A tort is a civil wrong (as distinguished from a crime), other than a breach of contract, for which ... the law ... provides a remedy." J.R. Nolan & L.J. Sartorio, Tort Law § 1 (2d ed. 1989).
- [EBITDA](https://agencychecklists.com/glossary/ebitda/) - A company's earnings (E) before (B) interest (I), taxes (T), depreciation (D) and amortization (A) are deducted. EBITDA = Revenue – Expenses (excluding interest, taxes, depreciation and amortization).
- [SLAPP suit statute](https://agencychecklists.com/glossary/slapp-suit-statute/) - General Laws c. 231, § 59H, popularly known as the "anti-SLAPP" law. This law allows Courts to dismiss suits characterized as SLAPP suits that the Supreme Judicial Court has stated may consist of a (1) a civil complaint or counterclaim (for monetary damages or injunction); (2) filed against nongovernmental individuals or groups; (3) because of their
- [true bills](https://agencychecklists.com/glossary/true-bills/) - The written decision of a Grand Jury (signed by the Grand Jury foreperson) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court.
- [true bill](https://agencychecklists.com/glossary/true-bill/) - The written decision of a Grand Jury (signed by the Grand Jury foreperson) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court
- [MAIP](https://agencychecklists.com/glossary/maip/) - Massachusetts Automobile Insurance Plan
- [G.L. c. 21, § 17C](https://agencychecklists.com/glossary/g-l-c-21-§-17c/) - (a) Any person having an interest in land including the structures, buildings, and equipment attached to the land, including without limitation, railroad and utility corridors, easements and rights of way, wetlands, rivers, streams, ponds, lakes, and other bodies of water, who lawfully permits the public to use such land for recreational, conservation, scientific, educational, environmental,
- [N.A.I.C.](https://agencychecklists.com/glossary/n-a-i-c/) - National Association of Insurance Commissioners
- [S.E.C.](https://agencychecklists.com/glossary/s-e-c-2/) - The U.S. Securities and Exchange Commission is an agency of the United States federal government. It holds primary responsibility for enforcing the federal securities laws and regulating the securities industry, the nation's stock and options exchanges, and other activities and organizations. Most companies with publicly traded stock must file annual 10K reports and quarterly 10Q
- [ S.E.C. ](https://agencychecklists.com/glossary/s-e-c/) - The U.S. Securities and Exchange Commission (S.E.C.) is an agency of the United States federal government. It holds primary responsibility for enforcing the federal securities laws and regulating the securities industry, the nation's stock and options exchanges, and other activities and organizations. Most companies with publicly traded stock must file 10K annual reports and 10Q
- [CSR](https://agencychecklists.com/glossary/csr/) - Customer Service Representative
- [G.L. c. 176d, § 3(10)](https://agencychecklists.com/glossary/g-l-c-176d-§-310/) - (10) Failure to maintain complaint handling procedures; failure of any person to maintain a complete record of all of the complaints which it has received since the date of its last examination, which record shall indicate in such form and detail as the commissioner may from time to time prescribe, the total number of complaints,
- [Massachusetts False Claims Act](https://agencychecklists.com/glossary/massachusetts-false-claims-act/) - G.L. c. 12 §§ 5A - 5O. A state statute modeled on the Federal False Claims Act (31 U.S.C. §§ 3729–3733). The Massachusetts statute allows the Attorney General or private persons, statutorily called "relators", but informally referred to as "whistleblowers", to file actions on behalf of the government against persons and companies who allegedly have
- [co-branding](https://agencychecklists.com/glossary/co-branding-2/) - Co-branding or co-brand is an agreement by which two companies try to create a marketing advantage by associating a specific product or service to the partnership.
- [co-brand](https://agencychecklists.com/glossary/co-branding/) - Co-branding or co-brand is an agreement by which two companies try to create a marketing advantage by associating a specific product or service to the partnership.
- [Alexa.com](https://agencychecklists.com/glossary/alexa-com/) - Alexa.com is a company owned by Amazon.com that provides web traffic ranking for the United States and globally for 30 million websites. The rankings are available free on www.Alexa.com. The Alexa site receives almost 9 million visitors per month to check site rankings.
- [LEED-Certified](https://agencychecklists.com/glossary/leed-certified/) - LEED (Leadership in Energy and Environmental Design) is a set of rating systems for the design, construction, operation, and maintenance of green buildings, homes and neighborhoods. The LEED standards are intended to help building owners and operators be environmentally responsible and use resources efficiently.
- [G.L. c. 176D, § 7](https://agencychecklists.com/glossary/g-l-c-176d-§-7/) - If after [a] hearing, the commissioner shall determine that the person charged has engaged in an unfair or deceptive act or practice he shall...issue...an order requiring such person to cease and desist from engaging in such method of competition, act or practice...and may suspend or in the case of repeated violations revoke the license of
- [Title 18 USC § 1033](https://agencychecklists.com/glossary/title-18-u-s-c-§-1033/) - A Federal criminal statute that povides criminal and civil enforcement provisions for insurance fraud committed by persons in the insurance industry. The Act also provides up to five years imprisonmen for persons convicted of "a felony involving dishonesty or breach of trust" who willfully engage in the business of insurance without written consent from the
- [§ 162R(a)(8)](https://agencychecklists.com/glossary/§162ra8/) - using fraudulent, coercive or dishonest practices, or demonstrating incompetence, untrustworthiness or financial irresponsibility in the conduct of business in the commonwealth or elsewhere;
- [§ 162R(a)(7)](https://agencychecklists.com/glossary/§162ra7/) - having admitted or been found to have committed any insurance unfair trade practice or fraud;...
- [§ 162R(a)(4)](https://agencychecklists.com/glossary/§162ra4/) - improperly withholding, misappropriating or converting any monies or properties received in the course of doing insurance business;...
- [ § 162V(b)](https://agencychecklists.com/glossary/175-§162v-b/) - (b) Within 30 days of the initial pretrial hearing date, a producer shall report to the commissioner any criminal prosecution of the producer taken in any jurisdiction. The report shall include a copy of the initial complaint filed, the order resulting from the hearing and any other relevant legal documents.
- [roll-up strategy](https://agencychecklists.com/glossary/roll-up-strategy/) - The business strategy of buying or merging small companies in the same business segment to achieve economies of scale in reducing redundant costs and gaining higher valuation multiples because of greater scaling of operations. Roll-ups in the insurance brokerage industry result in higher earnings for the acquiring entity relative to smaller local agencies and brokerages
- [Massachusetts Building Congress](https://agencychecklists.com/glossary/massachusetts-building-congress/) - The Massachusetts Building Congress provides construction companies as well as related professional and service businesses working within the $6 billion Massachusetts building industry a forum for industry information, networking, and education to promote and develop individual and mutual interests.
- [Assurex](https://agencychecklists.com/glossary/assurex/) - Assurex, or more formally Assurex Global, is an international partnership of independent insurance agents and brokers. As of 2013, Assurex claimed that its 500 plus partner agencies produced premiums of more than $28 billion. Assurex claims that the partnership is the world’s largest privately held commercial insurance, risk management and employee benefits brokerage group and
- [Five Star Agency](https://agencychecklists.com/glossary/five-star-agency/) - The Five Star Agency Designation SM as developed and administered by The Massachusetts Association of Insurance Agents recognizes agencies that meet very detailed and specific service and management quality standards.
- [United States Constitution’s Contract Clause](https://agencychecklists.com/glossary/united-states-constitutions-contract-clause/) - No State shall enter into any Treaty, Alliance, or Confederation; grant Letters of Marque and Reprisal; coin Money; emit Bills of Credit; make any Thing but gold and silver Coin a Tender in Payment of Debts; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any
- [UTSA prohibits the misappropriation of the trade secret](https://agencychecklists.com/glossary/utsa-prohibits-the-misappropriation-of-the-trade-secret/) - (2) "Misappropriation", (i) acquisition of a trade secret of another by a person who knows or who has reason to know that the trade secret was acquired by improper means; or (ii) disclosure or use of a trade secret of another without that person's express or implied consent by a person who
- [G.L. c. 112, §12X](https://agencychecklists.com/glossary/g-l-c-112-§12x/) - Any contract or agreement which creates or establishes the terms of a partnership, employment, or any other form of professional relationship with a physician registered to practice medicine pursuant to section two, which includes any restriction of the right of such physician to practice medicine in any geographic area for any period of time after
- [c. 78 of the Acts of 2014](https://agencychecklists.com/glossary/c-78-of-the-acts-of-2014/) - Section 2E of chapter 90 to the General Laws as appearing in the 2012 Official Edition, is hereby amended by adding the following subsection:- (d) The registrar shall furnish, upon application, to the owners of private passenger motor vehicles distinctive registration plates which shall display on their face a design memorializing the tragic events that occurred
- [G.L. c. 140, § 155](https://agencychecklists.com/glossary/g-l-c-140-§-155/) - If any dog shall do any damage to either the body or property of any person, the owner or keeper, or if the owner or keeper be a minor, the parent or guardian of such minor, shall be liable for such damage, unless such damage shall have been occasioned to the body or property of
- [G.L. c. 140, §155](https://agencychecklists.com/glossary/g-l-c-140-§155/) - If any dog shall do any damage to either the body or property of any person, the owner or keeper, or if the owner or keeper be a minor, the parent or guardian of such minor, shall be liable for such damage, unless such damage shall have been occasioned to the body or property of
- [I.I.I.](https://agencychecklists.com/glossary/i-i-i/) - Insurance Information Institute
- [CDC](https://agencychecklists.com/glossary/cdc/) - Centers for Disease Control and Prevention, United States Department of Health and Human Services
- [D&O](https://agencychecklists.com/glossary/do-2/) - Directors and Officers Liability Insurance
- [EPLI](https://agencychecklists.com/glossary/epli/) - Employment Practices Liability Insurance
- [G.L. c. 176D, § 3(9)](https://agencychecklists.com/glossary/g-l-c-176d-§-39/) - A consumer oriented statute that prohibits insurers from engaging in certain specific claim practices. the Supreme Judicial Court states that it, ".... was designed to remedy a host of possible violations in the insurance industry..." Violations of this statute are subject to G.L. c. 93A and its provisions relating to multiple damages and attorney fees.
- [G.L. c. 231, § 85](https://agencychecklists.com/glossary/g-l-c-231-§-85/) - "In all actions to recover damages for injuries ... arising out of an accident or collision in which a motor vehicle was involved, evidence that at the time of such accident or collision it was registered in the name of the defendant as owner shall be prima facie evidence that it was then being operated

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- [frank mancini](https://agencychecklists.com/tag/frank-mancini/)
- [president mancini](https://agencychecklists.com/tag/president-mancini/)
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- [milford power](https://agencychecklists.com/tag/milford-power/)
- [conn insurance departement](https://agencychecklists.com/tag/conn-insurance-departement/)
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- [farrell backlund acquisition](https://agencychecklists.com/tag/farrell-backlund-acquisition/)
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- [nbic](https://agencychecklists.com/tag/nbic/)
- [elite 7](https://agencychecklists.com/tag/elite-7/)
- [insurance and technology](https://agencychecklists.com/tag/insurance-and-technology/)
- [apex initiativem](https://agencychecklists.com/tag/apex-initiativem/)
- [nbic homeowners](https://agencychecklists.com/tag/nbic-homeowners/)
- [narragansett bay](https://agencychecklists.com/tag/narragansett-bay/)
- [maiw](https://agencychecklists.com/tag/maiw/)
- [maiw annual meeting](https://agencychecklists.com/tag/maiw-annual-meeting/)
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- [senate bill on mass auto rates](https://agencychecklists.com/tag/senate-bill-on-mass-auto-rates/)
- [mass agents and credit scores](https://agencychecklists.com/tag/mass-agents-and-credit-scores/)
- [independent agents survey](https://agencychecklists.com/tag/independent-agents-survey/)
- [hanover survey](https://agencychecklists.com/tag/hanover-survey/)
- [small business survey](https://agencychecklists.com/tag/small-business-survey/)
- [property liability companies in mass](https://agencychecklists.com/tag/property-liability-companies-in-mass/)
- [survey about agents](https://agencychecklists.com/tag/survey-about-agents/)
- [nfip](https://agencychecklists.com/tag/nfip/)
- [national flood program expiration](https://agencychecklists.com/tag/national-flood-program-expiration/)
- [pci](https://agencychecklists.com/tag/pci/)
- [pci release on nfip](https://agencychecklists.com/tag/pci-release-on-nfip/)
- [flood program extension](https://agencychecklists.com/tag/flood-program-extension/)
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- [aim mutual insurance company](https://agencychecklists.com/tag/aim-mutual-insurance-company/)
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- [brownstone insurance](https://agencychecklists.com/tag/brownstone-insurance/)
- [brownstone broker site](https://agencychecklists.com/tag/brownstone-broker-site/)
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- [brownstone website](https://agencychecklists.com/tag/brownstone-website/)
- [new brownstone broker website](https://agencychecklists.com/tag/new-brownstone-broker-website/)
- [agency news](https://agencychecklists.com/tag/agency-news-2/)
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- [ipad2 raffle winner](https://agencychecklists.com/tag/ipad2-raffle-winner/)
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- [www.massagent.com](https://agencychecklists.com/tag/www-massagent-com/)
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- [Twinbrook insurance](https://agencychecklists.com/tag/twinbrook-insurance/)
- [motorcycle laws](https://agencychecklists.com/tag/motorcycle-laws/)
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- [mass motorcycle association](https://agencychecklists.com/tag/mass-motorcycle-association/)
- [car mass auto insurance](https://agencychecklists.com/tag/car-mass-auto-insurance/)
- [mass credit scoring ban](https://agencychecklists.com/tag/mass-credit-scoring-ban/)
- [Division of Insurance regulations on credit scoring](https://agencychecklists.com/tag/division-of-insurance-regulations-on-credit-scoring/)
- [new mass bill on credit scoring](https://agencychecklists.com/tag/new-mass-bill-on-credit-scoring/)
- [kilgore](https://agencychecklists.com/tag/kilgore/)
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- [Garrett Insurance Somerville](https://agencychecklists.com/tag/garrett-insurance-somerville/)
- [WTPhelan Agency in Cambridge](https://agencychecklists.com/tag/wtphelan-agency-in-cambridge/)
- [Agent Acquistions in Mass](https://agencychecklists.com/tag/agent-acquistions-in-mass/)
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- [mike mcune](https://agencychecklists.com/tag/mike-mcune/)
- [new marketing vp at peerless](https://agencychecklists.com/tag/new-marketing-vp-at-peerless/)
- [corporate ladder news](https://agencychecklists.com/tag/corporate-ladder-news/)
- [new insurance appointments](https://agencychecklists.com/tag/new-insurance-appointments/)
- [property casualty insurance companies](https://agencychecklists.com/tag/property-casualty-insurance-companies/)
- [commercial lines peerless](https://agencychecklists.com/tag/commercial-lines-peerless/)
- [massmututal](https://agencychecklists.com/tag/massmututal/)
- [john hancock](https://agencychecklists.com/tag/john-hancock/)
- [ma life insurance companies](https://agencychecklists.com/tag/ma-life-insurance-companies/)
- [met life](https://agencychecklists.com/tag/met-life/)
- [fasano & associates](https://agencychecklists.com/tag/fasano-associates/)
- [bridges and roads inc.](https://agencychecklists.com/tag/bridges-and-roads-inc/)
- [grafton bridge lawsuit](https://agencychecklists.com/tag/grafton-bridge-lawsuit/)
- [law and order](https://agencychecklists.com/tag/law-and-order-2/)
- [insurance lawsuits](https://agencychecklists.com/tag/insurance-lawsuits/)
- [ag lawsuit against XL Specialty](https://agencychecklists.com/tag/ag-lawsuit-against-xl-specialty/)
- [rmv 2012 budget](https://agencychecklists.com/tag/rmv-2012-budget/)
- [rmv budget update](https://agencychecklists.com/tag/rmv-budget-update/)
- [registry of motor vehicle news](https://agencychecklists.com/tag/registry-of-motor-vehicle-news/)
- [massdot budget](https://agencychecklists.com/tag/massdot-budget/)
- [dep of transportation](https://agencychecklists.com/tag/dep-of-transportation/)
- [swiss re corporate solutions](https://agencychecklists.com/tag/swiss-re-corporate-solutions/)
- [swiss re corporate solutions for agents](https://agencychecklists.com/tag/swiss-re-corporate-solutions-for-agents/)
- [agents E&O insurance](https://agencychecklists.com/tag/agents-eo-insurance/)
- [IIABA and Swiss Re website](https://agencychecklists.com/tag/iiaba-and-swiss-re-website/)
- [E&O Happens](https://agencychecklists.com/tag/eo-happens/)
- [buying E&O insurance](https://agencychecklists.com/tag/buying-eo-insurance/)
- [agents E and O insurance](https://agencychecklists.com/tag/agents-e-and-o-insurance/)
- [swiss re E&O insurance](https://agencychecklists.com/tag/swiss-re-eo-insurance/)
- [nemic downgraded](https://agencychecklists.com/tag/nemic-downgraded/)
- [new england mutual ratings](https://agencychecklists.com/tag/new-england-mutual-ratings/)
- [new england mutual downgraded](https://agencychecklists.com/tag/new-england-mutual-downgraded/)
- [new england mutual financial strength](https://agencychecklists.com/tag/new-england-mutual-financial-strength/)
- [CAR Bulletins](https://agencychecklists.com/tag/car-bulletins/)
- [Standard Automobile Policy](https://agencychecklists.com/tag/standard-automobile-policy/)
- [Endorsement M-0099-S](https://agencychecklists.com/tag/endorsement-m-0099-s/)
- [new endorsement for assigned risk policies](https://agencychecklists.com/tag/new-endorsement-for-assigned-risk-policies/)
- [assigned risk policies](https://agencychecklists.com/tag/assigned-risk-policies/)
- [car insurance news](https://agencychecklists.com/tag/car-insurance-news/)
- [filing a car claim](https://agencychecklists.com/tag/filing-a-car-claim/)
- [filing an auto claim](https://agencychecklists.com/tag/filing-an-auto-claim/)
- [mass agents and call centers](https://agencychecklists.com/tag/mass-agents-and-call-centers/)
- [c and s insurance](https://agencychecklists.com/tag/c-and-s-insurance/)
- [mansfield ins agencies](https://agencychecklists.com/tag/mansfield-ins-agencies/)
- [mansfield ins agency mergers](https://agencychecklists.com/tag/mansfield-ins-agency-mergers/)
- [colonial insurance of mansfield](https://agencychecklists.com/tag/colonial-insurance-of-mansfield/)
- [insurance agency mergers in mass](https://agencychecklists.com/tag/insurance-agency-mergers-in-mass/)
- [mass insurance agency mergers](https://agencychecklists.com/tag/mass-insurance-agency-mergers/)
- [C&S Insurance acquisition](https://agencychecklists.com/tag/cs-insurance-acquisition/)
- [C&S acquires Colonial](https://agencychecklists.com/tag/cs-acquires-colonial/)
- [mass insurance agency acquisition](https://agencychecklists.com/tag/mass-insurance-agency-acquisition/)
- [mass southeastern insurance agencies](https://agencychecklists.com/tag/mass-southeastern-insurance-agencies/)
- [cna](https://agencychecklists.com/tag/cna/)
- [cna.com](https://agencychecklists.com/tag/cna-com/)
- [josh gibbons](https://agencychecklists.com/tag/josh-gibbons/)
- [charlie odonnell](https://agencychecklists.com/tag/charlie-odonnell/)
- [cna's boston branch](https://agencychecklists.com/tag/cnas-boston-branch/)
- [cna's new development director in boston](https://agencychecklists.com/tag/cnas-new-development-director-in-boston/)
- [new insurance company appointments boston](https://agencychecklists.com/tag/new-insurance-company-appointments-boston/)
- [new insurance company appointments massachusetts](https://agencychecklists.com/tag/new-insurance-company-appointments-massachusetts/)
- [complaint ratios for mass auto insurance cos](https://agencychecklists.com/tag/complaint-ratios-for-mass-auto-insurance-cos/)
- [auto insurance companies in mass](https://agencychecklists.com/tag/auto-insurance-companies-in-mass/)
- [mass fair plan consumer complaints](https://agencychecklists.com/tag/mass-fair-plan-consumer-complaints/)
- [division of insurance hotline](https://agencychecklists.com/tag/division-of-insurance-hotline/)
- [complaint ratios and division of insurance](https://agencychecklists.com/tag/complaint-ratios-and-division-of-insurance/)
- [girl with the dragon tatoo](https://agencychecklists.com/tag/girl-with-the-dragon-tatoo/)
- [riskiest film of 2011](https://agencychecklists.com/tag/riskiest-film-of-2011/)
- [riskiest film to insure of 2011](https://agencychecklists.com/tag/riskiest-film-to-insure-of-2011/)
- [fireman's fund film insurance](https://agencychecklists.com/tag/firemans-fund-film-insurance/)
- [insuring hollywood films](https://agencychecklists.com/tag/insuring-hollywood-films/)
- [commerce](https://agencychecklists.com/tag/commerce/)
- [jaime tamayo](https://agencychecklists.com/tag/jaime-tamayo/)
- [property casualty companies in mass](https://agencychecklists.com/tag/property-casualty-companies-in-mass/)
- [commerce news](https://agencychecklists.com/tag/commerce-news/)
- [false claims act](https://agencychecklists.com/tag/false-claims-act/)
- [mass ago recoveries](https://agencychecklists.com/tag/mass-ago-recoveries/)
- [hazardous waste management act](https://agencychecklists.com/tag/hazardous-waste-management-act/)
- [compensation system and CVS](https://agencychecklists.com/tag/compensation-system-and-cvs/)
- [CVS fines](https://agencychecklists.com/tag/cvs-fines/)
- [URS Corporation](https://agencychecklists.com/tag/urs-corporation/)
- [Bridges Inc.](https://agencychecklists.com/tag/bridges-inc/)
- [mass ago cases](https://agencychecklists.com/tag/mass-ago-cases/)
- [governing committee meeting](https://agencychecklists.com/tag/governing-committee-meeting/)
- [dan judson](https://agencychecklists.com/tag/dan-judson/)
- [commonwealth automobile reinsurer](https://agencychecklists.com/tag/commonwealth-automobile-reinsurer/)
- [insurance complaints division of insurance](https://agencychecklists.com/tag/insurance-complaints-division-of-insurance/)
- [where to file an insurance complaint](https://agencychecklists.com/tag/where-to-file-an-insurance-complaint/)
- [insurance agencies mass](https://agencychecklists.com/tag/insurance-agencies-mass/)
- [john rafferty nbic](https://agencychecklists.com/tag/john-rafferty-nbic/)
- [norther territory manager for nbic](https://agencychecklists.com/tag/norther-territory-manager-for-nbic/)
- [insurances news massachusetts](https://agencychecklists.com/tag/insurances-news-massachusetts/)
- [mass homeowner's companies](https://agencychecklists.com/tag/mass-homeowners-companies/)
- [homeowners insurance reps in massachusetts](https://agencychecklists.com/tag/homeowners-insurance-reps-in-massachusetts/)
- [personal lines insurance companies](https://agencychecklists.com/tag/personal-lines-insurance-companies/)
- [conning](https://agencychecklists.com/tag/conning/)
- [conning study on personal lines](https://agencychecklists.com/tag/conning-study-on-personal-lines/)
- [insurance study on personal lines insurance](https://agencychecklists.com/tag/insurance-study-on-personal-lines-insurance/)
- [agency checklists articles](https://agencychecklists.com/tag/agency-checklists-articles/)
- [division of insurance consumer hotline](https://agencychecklists.com/tag/division-of-insurance-consumer-hotline/)
- [mass consumer hotline for insurance](https://agencychecklists.com/tag/mass-consumer-hotline-for-insurance/)
- [customer service call centers](https://agencychecklists.com/tag/customer-service-call-centers/)
- [hanovers customer service call center](https://agencychecklists.com/tag/hanovers-customer-service-call-center/)
- [appleby & wyman agency](https://agencychecklists.com/tag/appleby-wyman-agency/)
- [insurance commissioner murphy and naic](https://agencychecklists.com/tag/insurance-commissioner-murphy-and-naic/)
- [new appointment at naic for commissioner murphy](https://agencychecklists.com/tag/new-appointment-at-naic-for-commissioner-murphy/)
- [MAIP Steering Committee](https://agencychecklists.com/tag/maip-steering-committee/)
- [mass special plates](https://agencychecklists.com/tag/mass-special-plates/)
- [how to get a veterans plate in mass](https://agencychecklists.com/tag/how-to-get-a-veterans-plate-in-mass/)
- [how to get a veteran's MA license plate](https://agencychecklists.com/tag/how-to-get-a-veterans-ma-license-plate/)
- [field eddy](https://agencychecklists.com/tag/field-eddy/)
- [new hires at field eddy](https://agencychecklists.com/tag/new-hires-at-field-eddy/)
- [mass insurance agencies](https://agencychecklists.com/tag/mass-insurance-agencies/)
- [national real time day](https://agencychecklists.com/tag/national-real-time-day/)
- [real time download campaign](https://agencychecklists.com/tag/real-time-download-campaign/)
- [how to better use agency management systems](https://agencychecklists.com/tag/how-to-better-use-agency-management-systems/)
- [increasing your insurance agency's efficiency](https://agencychecklists.com/tag/increasing-your-insurance-agencys-efficiency/)
- [ncib questionable claims report](https://agencychecklists.com/tag/ncib-questionable-claims-report/)
- [ncib forecast report for 2011](https://agencychecklists.com/tag/ncib-forecast-report-for-2011/)
- [ifb of massachusetts](https://agencychecklists.com/tag/ifb-of-massachusetts/)
- [ma insurance fraud](https://agencychecklists.com/tag/ma-insurance-fraud/)
- [concord insurance group](https://agencychecklists.com/tag/concord-insurance-group/)
- [am best outlook for concord insurance group](https://agencychecklists.com/tag/am-best-outlook-for-concord-insurance-group/)
- [concord insurance's ratings](https://agencychecklists.com/tag/concord-insurances-ratings/)
- [iiabny](https://agencychecklists.com/tag/iiabny/)
- [iiabny survey](https://agencychecklists.com/tag/iiabny-survey/)
- [ny agents survey](https://agencychecklists.com/tag/ny-agents-survey/)
- [agents survey results](https://agencychecklists.com/tag/agents-survey-results/)
- [insurance companies agents like](https://agencychecklists.com/tag/insurance-companies-agents-like/)
- [dan houghton](https://agencychecklists.com/tag/dan-houghton/)
- [medical professional liability coverage](https://agencychecklists.com/tag/medical-professional-liability-coverage/)
- [medical professional liability coverage in massachusetts](https://agencychecklists.com/tag/medical-professional-liability-coverage-in-massachusetts/)
- [ma marketing managers](https://agencychecklists.com/tag/ma-marketing-managers/)
- [coverys marketing manager for mass](https://agencychecklists.com/tag/coverys-marketing-manager-for-mass/)
- [workers comp rates in mass](https://agencychecklists.com/tag/workers-comp-rates-in-mass/)
- [wcrib rate increases](https://agencychecklists.com/tag/wcrib-rate-increases/)
- [wcrib 19% rate increase](https://agencychecklists.com/tag/wcrib-19-rate-increase/)
- [workers comp news](https://agencychecklists.com/tag/workers-comp-news/)
- [ncci](https://agencychecklists.com/tag/ncci/)
- [wcrib president meagher](https://agencychecklists.com/tag/wcrib-president-meagher/)
- [hanover's customer service center](https://agencychecklists.com/tag/hanovers-customer-service-center/)
- [appleby and wyman agency](https://agencychecklists.com/tag/appleby-and-wyman-agency/)
- [ross insurance](https://agencychecklists.com/tag/ross-insurance/)
- [best jobs 2012](https://agencychecklists.com/tag/best-jobs-2012/)
- [best job insurance agent](https://agencychecklists.com/tag/best-job-insurance-agent/)
- [us news and world report best jobs of 2012](https://agencychecklists.com/tag/us-news-and-world-report-best-jobs-of-2012/)
- [insurance agents massachusetts](https://agencychecklists.com/tag/insurance-agents-massachusetts/)
- [CAR Loss Reserving Committee](https://agencychecklists.com/tag/car-loss-reserving-committee/)
- [loss reserving committee quarterly analysis](https://agencychecklists.com/tag/loss-reserving-committee-quarterly-analysis/)
- [irc](https://agencychecklists.com/tag/irc/)
- [irc regulatory rate study](https://agencychecklists.com/tag/irc-regulatory-rate-study/)
- [mass auto insurance reform](https://agencychecklists.com/tag/mass-auto-insurance-reform/)
- [regulatory rate reform for mass auto](https://agencychecklists.com/tag/regulatory-rate-reform-for-mass-auto/)
- [auto insurance policies in massachusetts](https://agencychecklists.com/tag/auto-insurance-policies-in-massachusetts/)
- [auto fraud](https://agencychecklists.com/tag/auto-fraud/)
- [insurance fraud bureau](https://agencychecklists.com/tag/insurance-fraud-bureau/)
- [mass insurance fraud](https://agencychecklists.com/tag/mass-insurance-fraud/)
- [insurance fraud news](https://agencychecklists.com/tag/insurance-fraud-news/)
- [Rogers & Gray](https://agencychecklists.com/tag/rogers-gray/)
- [Cape Cod Insurance Agency](https://agencychecklists.com/tag/cape-cod-insurance-agency/)
- [Insurance Agencies in Southeastern Mass](https://agencychecklists.com/tag/insurance-agencies-in-southeastern-mass/)
- [insurance hearings](https://agencychecklists.com/tag/insurance-hearings/)
- [hearing schedule mass div of insurance](https://agencychecklists.com/tag/hearing-schedule-mass-div-of-insurance/)
- [mass fair plan hearings](https://agencychecklists.com/tag/mass-fair-plan-hearings/)
- [james i. rider](https://agencychecklists.com/tag/james-i-rider/)
- [mona-lissa frain](https://agencychecklists.com/tag/mona-lissa-frain/)
- [consumer portal](https://agencychecklists.com/tag/consumer-portal/)
- [Project CAP](https://agencychecklists.com/tag/project-cap/)
- [new agents insurance portal](https://agencychecklists.com/tag/new-agents-insurance-portal/)
- [setting up a consumer portal for your agency](https://agencychecklists.com/tag/setting-up-a-consumer-portal-for-your-agency/)
- [wcrib rate filings hearing](https://agencychecklists.com/tag/wcrib-rate-filings-hearing/)
- [march 30 hearing on workers' comp](https://agencychecklists.com/tag/march-30-hearing-on-workers-comp/)
- [when is wcrib hearing on workers' comp rates](https://agencychecklists.com/tag/when-is-wcrib-hearing-on-workers-comp-rates/)
- [workers' compensation insurance](https://agencychecklists.com/tag/workers-compensation-insurance/)
- [workers' comp rates in massachusetts](https://agencychecklists.com/tag/workers-comp-rates-in-massachusetts/)
- [division of insurance rate filing hearings](https://agencychecklists.com/tag/division-of-insurance-rate-filing-hearings/)
- [agency mergers in mass](https://agencychecklists.com/tag/agency-mergers-in-mass/)
- [mass insurance agency mergers and acquisitions](https://agencychecklists.com/tag/mass-insurance-agency-mergers-and-acquisitions/)
- [mass auto endorsements](https://agencychecklists.com/tag/mass-auto-endorsements/)
- [MA Mandatory Endorsement M-0099-S](https://agencychecklists.com/tag/ma-mandatory-endorsement-m-0099-s/)
- [actual cash value of auto](https://agencychecklists.com/tag/actual-cash-value-of-auto/)
- [clips survey](https://agencychecklists.com/tag/clips-survey/)
- [commercial prices 2012](https://agencychecklists.com/tag/commercial-prices-2012/)
- [commercial prices in mass](https://agencychecklists.com/tag/commercial-prices-in-mass/)
- [the standard insurance weekly](https://agencychecklists.com/tag/the-standard-insurance-weekly/)
- [MAIA Agent Awareness Campaign](https://agencychecklists.com/tag/maia-agent-awareness-campaign/)
- [mass agent advertising campaign](https://agencychecklists.com/tag/mass-agent-advertising-campaign/)
- [independent insurance agents](https://agencychecklists.com/tag/independent-insurance-agents/)
- [project cap marketing](https://agencychecklists.com/tag/project-cap-marketing/)
- [new trusted choice mobile app video](https://agencychecklists.com/tag/new-trusted-choice-mobile-app-video/)
- [new project cap mobile video](https://agencychecklists.com/tag/new-project-cap-mobile-video/)
- [trusted choice mobile app video](https://agencychecklists.com/tag/trusted-choice-mobile-app-video/)
- [nbic claims division](https://agencychecklists.com/tag/nbic-claims-division/)
- [new hires at nbic](https://agencychecklists.com/tag/new-hires-at-nbic/)
- [property claims adjusters for mass homeowners](https://agencychecklists.com/tag/property-claims-adjusters-for-mass-homeowners/)
- [agency acquisitions in mass](https://agencychecklists.com/tag/agency-acquisitions-in-mass/)
- [lex insurance agency acquisition](https://agencychecklists.com/tag/lex-insurance-agency-acquisition/)
- [Kaplansky Insurance](https://agencychecklists.com/tag/kaplansky-insurance/)
- [top five consumer complaints in mass](https://agencychecklists.com/tag/top-five-consumer-complaints-in-mass/)
- [icne](https://agencychecklists.com/tag/icne/)
- [insurance center of new england](https://agencychecklists.com/tag/insurance-center-of-new-england/)
- [new icne president](https://agencychecklists.com/tag/new-icne-president/)
- [ma agency news](https://agencychecklists.com/tag/ma-agency-news/)
- [ssiaa](https://agencychecklists.com/tag/ssiaa/)
- [south shore agents association](https://agencychecklists.com/tag/south-shore-agents-association/)
- [doi bulletins](https://agencychecklists.com/tag/doi-bulletins/)
- [ann burke](https://agencychecklists.com/tag/ann-burke/)
- [corporate ladder](https://agencychecklists.com/tag/corporate-ladder/)
- [MAIP Rules 29 and 30](https://agencychecklists.com/tag/maip-rules-29-and-30/)
- [the MAIP](https://agencychecklists.com/tag/the-maip/)
- [mass insurance policies](https://agencychecklists.com/tag/mass-insurance-policies/)

## Tooltip Categories

- [Property & Casualty Insurance](https://agencychecklists.com/glossary-categories/pc-terms/)
- [Life & Annuity Insurance Terms](https://agencychecklists.com/glossary-categories/life-annuity-terms/)
- [Regulatory Definitions](https://agencychecklists.com/glossary-categories/regulatory-terms/)
- [general](https://agencychecklists.com/glossary-categories/general/)
- [Accident & Health](https://agencychecklists.com/glossary-categories/ah/) - Terms commonly used in the Accident & Health Lines of Insurance
- [liability](https://agencychecklists.com/glossary-categories/liability/)
- [mpl](https://agencychecklists.com/glossary-categories/mpl/)
- [property](https://agencychecklists.com/glossary-categories/property/)
- [market](https://agencychecklists.com/glossary-categories/market/)
- [reinsurance](https://agencychecklists.com/glossary-categories/reinsurance/)
- [auto](https://agencychecklists.com/glossary-categories/auto/)
- [workerscomp](https://agencychecklists.com/glossary-categories/workerscomp/)
- [life](https://agencychecklists.com/glossary-categories/life/)
- [annuity](https://agencychecklists.com/glossary-categories/annuity/)
- [ma-statutory](https://agencychecklists.com/glossary-categories/ma-statutory/)

## Tooltip Tags

- [policy](https://agencychecklists.com/glossary-tags/policy/)
- [underwriting](https://agencychecklists.com/glossary-tags/underwriting/)
- [claims](https://agencychecklists.com/glossary-tags/claims/)
- [property](https://agencychecklists.com/glossary-tags/property/)
- [rating](https://agencychecklists.com/glossary-tags/rating/)
- [legal](https://agencychecklists.com/glossary-tags/legal/)
- [carrier](https://agencychecklists.com/glossary-tags/carrier/)
- [placement](https://agencychecklists.com/glossary-tags/placement/)
- [cost-sharing](https://agencychecklists.com/glossary-tags/cost-sharing/)
- [limits](https://agencychecklists.com/glossary-tags/limits/)
- [claims-made](https://agencychecklists.com/glossary-tags/claims-made/)
- [recovery](https://agencychecklists.com/glossary-tags/recovery/)
- [contracts](https://agencychecklists.com/glossary-tags/contracts/)
- [liability](https://agencychecklists.com/glossary-tags/liability/)
- [occurrence](https://agencychecklists.com/glossary-tags/occurrence/)
- [tail](https://agencychecklists.com/glossary-tags/tail/)
- [solvency](https://agencychecklists.com/glossary-tags/solvency/)
- [specialty](https://agencychecklists.com/glossary-tags/specialty/)
- [risk-financing](https://agencychecklists.com/glossary-tags/risk-financing/)
- [residual-market](https://agencychecklists.com/glossary-tags/residual-market/)
- [coverage](https://agencychecklists.com/glossary-tags/coverage/)
- [property-claims](https://agencychecklists.com/glossary-tags/property-claims/)
- [time-element](https://agencychecklists.com/glossary-tags/time-element/)
- [cat](https://agencychecklists.com/glossary-tags/cat/)
- [personal-lines](https://agencychecklists.com/glossary-tags/personal-lines/)
- [auto-liability](https://agencychecklists.com/glossary-tags/auto-liability/)
- [auto](https://agencychecklists.com/glossary-tags/auto/)
- [no-fault](https://agencychecklists.com/glossary-tags/no-fault/)
- [commercial-lines](https://agencychecklists.com/glossary-tags/commercial-lines/)
- [health](https://agencychecklists.com/glossary-tags/health/)
- [disability](https://agencychecklists.com/glossary-tags/disability/)
- [network](https://agencychecklists.com/glossary-tags/network/)
- [e&o](https://agencychecklists.com/glossary-tags/eo/)
- [healthcare](https://agencychecklists.com/glossary-tags/healthcare/)
- [life](https://agencychecklists.com/glossary-tags/life/)
- [retirement](https://agencychecklists.com/glossary-tags/retirement/)
- [massachusetts](https://agencychecklists.com/glossary-tags/massachusetts/)
- [variable](https://agencychecklists.com/glossary-tags/variable/)
- [workers-comp](https://agencychecklists.com/glossary-tags/workers-comp/)