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Seven Tips From Progressive To Keep Truckers Safe And Protected During The Winter Season

3/27/2015

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PictureCalfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA

A carpet of fresh snow can be heartwarming when viewed from indoors in front of a roaring fireplace. But for a trucker, that beautiful landscape can mean treacherous roadways.  

To prepare for brutal winter weather, here are a few tips from Bill Kampf, Progressive Commercial Auto general manager, to help protect against harm to you or your truck this season: 




1.  Pull together a winter survival kit for yourself… – Make sure your truck is fully stocked with everything you might need so a stall-out or breakdown doesn’t leave you stranded.  Key items to include: a shovel, battery booster cables, ice scraper/snow brush, flashlight with extra batteries, and a space blanket to help prevent heat loss from a person’s body.  Additional items might include extra pairs of dry socks and gloves, energy bars or other non-perishable food, bottled water and spare fully-charged cell phone batteries.  

2.  …AND your truck – Before the cold weather hits, equip your truck with new winter windshield wiper blades as well as winterized washer fluid and fuel. Also make sure that your tires, headlights, cooling system and battery are all in good shape. With all of these precautions, both you and your vehicle will be ready for any snow, hail, black ice or below freezing temperature that you might face out on the open road.

3. Slow down – Give yourself more time to react if something occurs in the road ahead. Compensate for poor traction by driving slower and making all changes slowly and gently.

4. Give yourself extra space in front and behind - To stay out of harm's way in a sudden emergency, increase the distance between you and other vehicles and avoid driving in packs. Normal following distances should be increased to 8-10 seconds when driving on icy, slippery surfaces.

Look further ahead in traffic than normal to get a split-second extra to react safely. Awareness of other drivers can go a long way this time of year.

5.  Keep an eye on the temperature – Be alert to potentially dangerous road conditions. Touch the front of your outside mirror to see if ice is forming. If it’s forming on your mirrors, it’s forming on the road too. Be especially cautious when crossing bridges and overpasses where ice often forms first.

6. Check your favorite station - Listen to the weather forecast before you leave town. If travel seems hazardous, postpone your run.

7.  Be ready for the unexpected – No matter how cautious you are, you still need a safety net on the road. Specialized insurance coverages and services designed specifically for truck owners and operators are offered by commercial insurers like Progressive.

Check with your insurance company to see what they offer.  Make sure your policy has tailored solutions that meet the unique needs of you and your business, including:

  • Cargo Coverage to protect against damage or loss due to theft, fire, collision and hitting or running over cargo. Progressive’s Cargo Coverage includes no co-insurance penalty, no exclusion of coverage if a vehicle is left unattended, and no reduction in coverage limits for items such as electronic equipment.
  • Roadside Assistance that provides 24/7 towing, battery jump-starts, tire changes, emergency fuel delivery, locksmith service and on-scene labor.
  • Rental Reimbursement to pay for a replacement vehicle following a covered claim.

Bottom line: make sure you and your vehicle are safe and covered, even during the coldest and most treacherous winter months.



Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 

Click HERE For a FREE Commercial Truck Insurance Quote
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Times Are Tough, But Don’t Scrimp On Your Tow Insurance Coverage

3/27/2015

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PictureCalfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA
In this economy, every business is looking for ways to save money. But cutting back on certain expenses now could mean heftier bills later. 
Follow these tips so your tow business can save money and be protected from the unexpected: 

Make sure you have the right amount of coverage.  Even if business finances are tight, don’t lower your liability coverage. Not only could you put your business assets at risk in the event of an accident, it could also jeopardize contracts that require you to carry specific limits. 

Instead, make sure your physical damage coverage, which protects your vehicles in the event of a loss like a collision, theft or fire, accurately represents the value of your trucks. Most insurers do not automatically depreciate vehicles, so take a look at your policy to make sure you’re not overstating their current worth. You could save money by adjusting your limits. 

Think before canceling your coverage altogether. Going without minimum liability insurance is illegal in most states, and should only be an option if you are temporarily putting your vehicles out of service. Additionally, keep in mind that if you drop your insurance now, you’ll pay more to get a new policy later because most insurance companies want to see proof of continuous coverage. Consider moving to a Comprehensive-only policy during temporary downtime to retain proof of continuous coverage and protect your trucks even when they’re not in use.

Protect yourself from uninsured and underinsured drivers.  You might not be the only one who’s looking to save a little dough – other drivers could cut costs by canceling their policy or reducing their coverage.  And if one of those drivers hits your truck, you could be left paying for the damages.  Uninsured and Underinsured Motorist coverage can protect you.

Keeping an eye on your insurance coverages can protect your business and save you money. Let us help. We can quote competitive tow rates and important tow coverages on the spot with Progressive. Call us today.
Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 


Click HERE For a FREE Tow Insurance Quote
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Understanding Homeowners Coverage

3/27/2015

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Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 

Calfee Insurance
508-540-2601
336 Gifford St. 
Falmouth, MA
Click HERE For a FREE Home Insurance Quote
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Homeowners 101- Protection For Your Home

3/27/2015

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Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 

Calfee Insurance
508-540-2601
336 Gifford St. 
Falmouth, MA
Click HERE For a FREE Home Insurance Quote
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Save Money On Your Tow Insurance Coverage

3/7/2015

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PictureCalfee Insurance Agency | Authorized Progressive Agent | Falmouth, MA
You want to save money on your vehicle insurance, but cutting back on coverage isn’t the answer. That definitely holds true for your vehicle insurance. If one of your tow trucks is in an accident, not having the right coverage could cost you twice: not only will you have to pay to get the truck repaired, you’ll also lose out on jobs while it’s in the shop.





Instead of scrimping on coverage, think about these other ways to save:


Consider raising your deductibles. If you would rather save a little money today but pay more out-of-pocket in the event your vehicles are damaged or stolen, a higher deductible may be right for you.

Keep in mind that driving history influences rates. Run Motor Vehicle Reports (MVRs) on potential hires. Your agent can help with this, just make sure to notify your employee(s) first. Also, tow businesses that require larger vehicles and whose drivers hold Commercial Drivers’ Licenses (CDLs) may qualify for pricing discounts.

Think about how you’re going to pay. Some insurers have significant finance charges associated with their bill plans, or don’t have flexibility in payment schedules. Look for companies that offer flexible pay plans, including low initial payments and no finance charges.

Shop around for insurance. One of the easiest ways to save money is to make sure you have a vehicle insurance plan that fits your business’ needs.  While commercial auto insurance can seem complicated, understanding the carriers, coverages and services available to you is the key to making an informed decision for your business. Coverages like On-Hook Legal Liability and Garagekeepers Legal Liability are designed specifically for tow businesses:

On-Hook Legal Liability covers towed property, and was recently expanded to cover more than just the vehicle you have in tow.  Cargo like equipment or raw materials and select personal items in towed vehicles are now covered if they’re damaged at any time between pick up and delivery. Plus, coverage for transmission and transaxle damage is now included. Limits for this truck insurance coverage are now available up to $100,000.

Garagekeepers Legal Liability covers vehicles being serviced, repaired or stored at up to three business locations. This coverage is also now available in limits up to $100,000.

Also, check with your insurance carrier to see what discounts they offer. Some carriers offer discounts to companies who pay in full, have been in business for more than three years, and more. 

Regularly reviewing insurance costs can both save you money and keep your business moving forward. We’ll be glad to help. We can quote competitive tow rates and important tow coverages on the spot with Progressive. Call us today.



Contact Calfee Insurance Agency. Authorized Progressive Agency located on Cape Cod. 


Calfee Insurance
508-540-2601
336 Gifford St. 
Falmouth, MA



Click HERE For a FREE Auto Insurance Quote
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Septic Pumping Importance

2/5/2015

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PictureCape Cod Home Insurance
Since septic tanks are out of sight and out of mind, it is easy for this most important system of the home to be neglected and even forgotten.

Septic pumping removes the build-up of solids known as scum and sludge so that your entire system can continue to work properly. Avoid system back-up and a failed system with regular septic pumping.  With regular pumping your septic system could last up to 30 years; without maintenance of your system it could fail within 5 – 10 years. The MassDEP recommends that systems be pumped at least once every 3 years for homes not having a garbage disposal.




Included in the Pump Fee
  • Digging 1 foot to cover
  • Up to 100 feet of septic hose ($15.00 per each additional twenty feet of septic hose).
  • Up to 100 feet of septic hose ($15.00 per each additional twenty feet of septic hose).
  • Pump & clean tank
  • 1 back flush if necessary
  •  Take notes on the condition of the tank
  •  Filling in of hole neatly, replace removed turf
  •  Exceptional service

Our FREE automatic Reminder ProgramIt’s not uncommon for an owner of a septic system to lose track of the time between system servicing. Enrolling in our yearly or bi-yearly maintenance program will ensure that your system is pumped regularly, avoiding costly repairs or possible system failure. Once a schedule is determined we will put you on an automatic reminder program at no cost or obligation to you. 

Warning Signs of Septic System Failure     
  •  Gurgling noises in household plumbing, pipes and drains
  • Unpleasant sewage odor
  • Sluggish drainage in home, such as slow flushing of your toilets
  •  Plumbing backs up
  •   Greener, wet or marsh-like around the septic system

Tips to Keep Your Septic System in Tip Top Shape  
  • Conserve water to reduce the load on your septic system.

  • Divert rain water, from gutters and foundation drainage, away from the septic system.

  • Never flush cat litter, disposable diapers, sanitary napkins, tampons, paper towels, facial tissues, coffee grounds, cigarette butts, or similar items down the toilet.

  • Use garbage disposals wisely as they can double the amount of solids added to a septic tank.

  • Do not pour grease or hazardous chemicals down your drains.

  •  Keep trees away from your septic systems to avoid root infestation.

  • Have your septic pumped regularly. Not sure how often? 

Our Title V Septic ServicesOur other septic services include title v septic design, installation, repair, upgrades. If you would like to confirm the condition and proper functioning of your septic tank please call us for an informative septic inspection. In addition, when you sign up for our septic pumping reminder program you’ll receive a postcard reminder when you are approaching your next expected pumping!

Davidson Calfee 

Arthur D. Calfee Insurance Agency, Inc.








Source: Cape Wide Enterprises offers

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Protect Your House, Protect Your Family

1/25/2015

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PictureCape Cod Home Insurance
Protect Your House, Protect Your FamilyHave you recently questioned why bother with home insurance? Well, think again!

Some people drop coverage if they are not required to have it. In the event of damage, an uninsured homeowner might lose the building and a place to live. A home is the largest asset most people have, so losing yours could be ruinous. Even if fire or wind damage never occurs, a slip by an uninsured worker on a slippery tile staircase could cost a homeowner thousands for medical care and lost wages. Universal Property & Casualty Insurance Company is a company you can trust. Act now!

Click HERE for a FREE Home Insurance Quote
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Will You Have Enough MONEY for Retirement?

12/20/2014

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This is a question that most Americans are afraid of. Most Americans are scared of outliving their retirement than they are of death. The average American will be spend 20+ years in retirement. What most households risk, yet may not know... is that their standard of living may decline significantly in retirement. 

Can you handle life's unexpected financial expenses? What if you get sick? Change the way you think about and use life insurance – safeguard your family or business and enjoy more financial control during uncertain economic times. Leverage your life insurance for protection, flexibility and control while LIVING with our living benefit riders that help protect against life’s most formidable risks – dying prematurely, getting seriously ill or living longer than expected.

If you’re about to retire, do you have $1 million, and is that enough? There’s a simple way to find out, by comparing your income with your spending. Be sure to talk to your financial planner to get on the right track. Most experts say you need 75% to 85% of your final pay to maintain the same standard of living, although if you’re still carrying a mortgage, you may need 100%.

If you still don’t have enough saved, consider working longer or spending less to make sure you don’t run out of money before you die. If you’re working, delaying starting Social Security until age 70 will sharply increase the benefit.
Click HERE For a FREE Life Insurance Quote
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Gas Pump Clips

12/16/2014

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PictureCape Cod Auto Insurance
Time to start shopping around for Auto Insurance! Would you like to save money on your current policy? Are you worried about the winter driving conditions and being under insured? Contact us for a free estimate from a local agency.

As far as the safety concern, the ban was instituted to prevent spills and to prevent a fire sparked by static electricity. That concern has diminished due to upgraded equipment that helps trap gasoline vapors, reducing the potential for them to ignite.As far as the safety concern, the ban was instituted to prevent spills and to prevent a fire sparked by static electricity. That concern has diminished due to upgraded equipment that helps trap gasoline vapors, reducing the potential for them to ignite.


The Chief State Fire Marshall noted a new state regulation to be effective January 1st that will allow gas stations to re-install those pump clips that will keep the gas running while you wait in your warm car!  MA was the only state left not allowing this.  It was proven over time that removing these clips did not reduce the chance of an accident at the pump.




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Savings on Auto Insurance

12/10/2014

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Picture
Are you ready to save on your current Auto Insurance Policy? We can help you with our "Accident Forgiveness Program". 

Forgiveness applies to an at-fault accident caused by a listed Experienced Operator following the purchase of this endorsement. Only at-fault accidents caused by Experienced Operators who are listed on the coverage selections page are eligible for forgiveness. Any at-fault accidents caused by any other listed operators (for example a driver with an SDIP of 98) do not qualify for forgiveness. If a policy qualifies for forgiveness and is endorsed to add an operator with a merit rating code of 98 or 0-45, the added operator will be assigned those points and accidents by them will not be forgiven. At-fault accidents involving deferred or excluded operators will not be waived under this endorsement. 



The following terms and conditions must be met for this endorsement to apply:



.    1)  For this endorsement, Experienced Operator(s) shall mean a driver licensed for six (6) or more years having an SDIP of 99, as returned by the Massachusetts Merit Rating Board, and who is listed on the Coverage Selections Page as an operator. 

.    2)  For this endorsement, at-fault accident(s) shall mean any accident where a claim payment of at least $500 was made, in excess of any deductible, and where Arbella has determined that the operator was more than 50% at-fault. 

.    3)  Forgiveness applies to an at-fault accident caused by a listed Experienced Operator following the purchase of this endorsement. Only at-fault accidents caused by Experienced Operators who are listed on the coverage selections page are eligible for forgiveness. Any at-fault accidents caused by any other listed operators (for example a driver with an SDIP of 98) do not qualify for forgiveness. If a policy qualifies for forgiveness and is endorsed to add an operator with a merit rating code of 98 or 0-45, the added operator will be assigned those points and accidents by them will not be forgiven. At-fault accidents involving deferred or excluded operators will not be waived under this endorsement. 

.    4)  The at-fault accident was reported to us promptly. 

.    5)  There are no other accidents being forgiven on the policy. In the event an accident being forgiven during a term is no longer subject to rating under the company’s SDIP (for example, 6 years has passed since the at- fault accident occurred), the next qualifying at-fault accident will receive forgiveness upon renewal of the policy, subject to the terms and conditions of this endorsement. Only one endorsement can apply to a policy and only one accident will be forgiven regardless of the number of operators insured under this policy. 

.    6)  If any other at-fault accident occurs while an accident is being forgiven, the other at-fault accident(s) will be reflected in the premium based on the company’s filed SDIP. 

.    7)  Moving violations of any kind are not eligible for forgiveness. 

.    8)  A forgiven accident is still considered a loss for the purpose of applying other provisions of the company’s rating plan and may affect underwriting placement or eligibility. 
Click HERE for a FREE Auto Insurance Quote
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