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Latest Insurance FAQs
What is the Safe Driver Insurance Plan (SDIP)?
The Safe Driver Insurance Plan (SDIP) is mandated by state law to establish classifications of risks to fairly reflect the driving records of insureds and adjust premiums based in part on at-fault accidents. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts, unlike many comparable jurisdictions that afford no or limited due process rights, provides the right to a hearing before an impartial hearing officer of the Board.
Surcharge points are incurred if you:
- cause an at-fault accident
- are convicted of or pay a fine for a traffic law violation
- are assigned to an alcohol education program
"We work with the Howes Insurance Group because they take the time to understand our businesses and their insurance needs, and because they give us an unmatched level of professional attention."
Peter A. Hunter , Managing Director, Artemis Capital Partners
Business Insurance
"One Less Thing to Worry About" is our brand promise and our navigating beacon. To ensure we deliver on this promise our clients go through the following process:
1. Partnership Opportunity = an initial meeting with the potential client to determine if our service and their expectations are aligned. We will not move forward unless a mutually beneficial relationship can be determined. The minimum client requirements for us to proceed successfully are:
a) Copies of current insurance policies
b) Current Annual Insurance Premiums
c) Current Loss History
d) New Applications are required to secure the best value from the insurance marketplace
2. Risk Analysis = a review of the business operations to determine the source of potential insurance claims
3. Policy Analysis = after the potential risks are identified we will review the current insurance program to determine strengths and weaknesses
4. Executive Summary = a brief report highlighting the initial findings regarding exposure to loss and the adequacy of the current insurance program
5. Client Commitment = At this point we stop and ask the client to outline their expectations and requirements from us. We want some assurance that they will work with us if we can deliver what they require.
6. Pricing Analysis = Insurance carriers are evaluated and selected
7. Program Implementation = New Insurance policies are checked for accuracy, loss control inspections performed and safety programs outlined
8. Concierge Service
a. Time Saving Solutions - we provide solutions so the client can focus on their highest and best use
b. "One Less Thing To Worry About" - we work to identify, understand and solve the client's problems -problems the client did not know they had
- Business Auto
- Commercial Property
- General Liability
- Business Income & Extra Expense
- Professional Liability / E&O
- Directors and Officers Insurance
- Employment Practices Liability
HIG NE is visible all year long - not just at the time of renewal. We advise clients in a proactive, strategic, ongoing way about the most appropriate coverage options for your specific situation and risk exposure.
We are your concierge insurance advisor. Our clients look to us for recommendations, ideas, and information anytime throughout the year. We save our clients valuable time and effort trhough our extraordinary commitment to service.
