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Independent Insurance Agent


Sullivan Insurance
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News & Announcements

AGENCY NEWS

Creating Safer Teen Drivers
Creating Safer Teen Drivers - our road map for helping parents help create Safter Teen Drivers. The path from permit to license!
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Driver Safety Tips & Statistics
Common Sense approach to driving safely
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Rules of the Road - Driver Safety
Rules of the roads - including some of the lessor known regulations.
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Why Choose Sullivan Insurance & Financial as YOUR indpendent Agent
Insurance is a bewildering topic. Some people think it does not really matter where they buy their insurance. But this misconception could be costing them money, service and protection, and possibly their financial security....take a look (not all agencies are created equal).
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How to choose the right agent/agency
Selecting the right insurance agent can be fairly simple and painless. Below are some of the steps your should consider while looking for the right agent for you....
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Teen Driving Contract
Why do a driving contract? • If your child dies during the teenage years, the most likely cause will be an auto accident. • Your teenage driver is in danger of killing or injuring himself or herself or other innocent people. • If you don't do a contract, you will likely be vague in your rules and directions about driving. • If you don’t do a contract, you can count on a lot of subsequent arguments based on “I thought you said…or “I thought you meant…” • The co
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101 RULES OF RISK MANAGEMENT
Suggestions for Implementing a Successful Program...The following list of risk management principles was compiled from among the submissions of an international group of professional risk managers and insurance educators and edited by Mr. Thomas V. Hallett of Frank B. Hall & Co. The list was first made public under the auspices of the Risk and Insurance Management Society. It is reprinted here with the permission of the editor.
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Umbrella Policy / Excess Liability
You work hard...You work hard to get ahead. You consider yourself to be financially responsible, have saved money for the retirement/future, and purchased insurance to help protect your family from financial hardship. Still, for all of your efforts, there is the chance that an unexpected event could jeopardize those plans. Imagine the unthinkable happens...
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Auto Insurance Basics - everything you need to know
Everything you need to know about auto insurance in Massachusetts.
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Home Inventory Program
Sullivan Insurance & Financial Homeowner Inventory Program - a detailed way to ensure you can keep track of your hard earned assets, and most importantly make an informed decision about what should be insured or specially insured! We even have digital cameras that our clients can sign out of the office to assist with their homeowner inventory!
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DEFUSE THOSE ELECTRICAL FIRES
Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study. In addition, electric cords and plugs are involved in about 7,000 fires annually. The National Electrical Safety Foundation offers numerous tips to safeguard the home against electrical fire and related losses, including the following.
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RMV Announces Cut-Backs in Services and Renewal Notices
MA RMV has announced massive cut-backs in customer service notices commonly mailed out to residence, including driver license expiration notices that WILL NO LONGER be mailed out. Driver's need to check their expiration date and renew license PRIOR to expiration to AVOID stiff fines/potential jail and huge surcharges on license causing increase in premium!

Winter Coat Drive
Sullivan Insurance has joined with Paul Davis Emergency Services to collect winter coats for people in need this winter.
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Protecting Your Small Business
As an owner or potential owner of a small business, you have many important decisions to make about your operations, and insuring your business and protecting your assets is one of the most crucial.
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Winterize Your Home
With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These simple steps can lessen your chances of a loss to your home due to inclement weather.
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MA DOT changes rules for business owners - a must read!
We have found a fairly new regulation promulgated by the Massachusetts DOT (Department of Transportation) regarding commercial vehicles. In essence, the Commonwealth has adopted the majority of the Federal Motor Vehicle Safety Regulations as its own. As a result, businesses operating only in Massachusetts that never before had to comply with the federal regulations will now need to comply with virtually all of the federal regulations except the requirement for DOT numbers.
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Is Your Job Affecting Your Driving?
Study Shows Which Occupations Crash The Most
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Dog Bites - on the rise. Protect yourself
The frequency of dog bite claims continues to rise, now accounting for one-third of all homeowners insurance liability claims. These claims climbed nearly 9 percent in 2008, costing homeowners insurers $387 million in 2008, according to the Insurance Information Institute.
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Tips to Prevent Dog Bites
Did you know that dog bites cause about 800,000 injuries requiring immediate medical care in the United States each year? This statistic is based on research conducted by the Centers for Disease Control and Prevention (CDC). If your dog bites someone, you can be held legally liable.
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Protect Your Identity this Holiday Season!
Holiday shoppers can reduce the chances of becoming an identity theft victim this year by taking some simple preventative measures, according to the Insurance Information Institute (III).
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Business could be held liable for employee text/calls while driving!
Businesses Whose Employees Text or Place Business-Related Calls While Driving Could Be Found Vicariously Liable! Enforcing a clear "electronics usage policy" could help avoid distracted driving accidents and liabilities
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DOT announces BAN on Texting/Cell Phone use while driving!
U.S Transportation Secretary Ray LaHood today announced federal guidance to expressly prohibit texting by drivers of commercial vehicles such as large trucks and buses. The prohibition is effective immediately and is the latest in a series of actions taken by the Department to combat distracted driving since the Secretary convened a national summit on the issue last September.
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Haiti Quake Serves as Reminder to Secure Earthquake Coverage
The recent earthquake in Haiti is a reminder that our country is also vulnerable to the same type of natural disaster. While quakes are most commonly associated with California, they have occurred in 39 states during the last 100 years, inflicting damage in 50 states. What is the Risk of an Earthquake in the Northeast? The Northeast ranks third (3rd) in the nation for annualized losses according to a recently released study by the Federal Emergency Management Agency (FEMA), and most New England
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How Parent Can Help Teen Drivers
There are several things parents can do to help keep their teenagers safe behind the wheel. Here are a few tips.
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New Home Fire Sprinkler Requirements - NH, CA and PA!
New Hampshire (along with CA and PA) have adopted the new International REsidential Code (IRC) that REQUIRES home fire sprinkler systems in ALL new one and two family homes!
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Act of God claims - who pays?
A storm blows down tree on my property & hits my neighbor's house/car - WHO PAYS? If your neighbor or another party wanted damage to their home or vehicles covered (by flying objects in a windstorm), they needed to purchase insurance coverage to protect themselves.
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COMMUNITY NEWS

New Home Fire Sprinkler Requirements - NH
New Hampshire, along with California and Pennsylvania have adopted 2009 International Residential Code (IRC) which REQUIRES home fire sprinklers for all new one and two family homes.
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RMV No Longer Mailing License Renewals!
MA RMV no longer mailing out driver license renewals as a means to save money/reduce costs - so what out for your license expiration.
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Your Town's Fire Rating Could Be Costing You Money
When fire rips through a home, seconds matter in those critical moments. Experience, man power and equipment make the difference....is your town's fire department can adequately protect you and your home?
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MA RMV public hearing on fee increases
MA RMV is holding a public hearing on proposed increases in licensing, registration and other RMV Services March 16th in the State Transportation Building, 2nd Floor, Conference Room 2-3 at 10:00 am.
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Homestead Act - MA
Filing Homestead - protect your home from attachement, levy or sale as a result of debt or lawsuit up to $500,000!
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Councilor - privite eye to find illegal NH registrations?
Haverhill Councilor wants to hire private eye to find illegally registered cars Seeks crackdown on cars registered in NH!
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Haverhill Mulling Crack Down On Out-Of-State License Plates
Haverhill city councilors are growing concerned about the number of illegally registered cars in their community, saying residents are heading to the Granite State to dodge steep MA State registration fees and high Massachusetts auto insurance rates.
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Holiday Gift Drive - 2007
Holiday Season 2007: Sullivan Insurance & Financial supports local needing children with Holiday Presents. Sullivan Insurance & Financial supported nine local DSS Children with holiday presents for the second year in a row. The staff at Sullivan Insurance shopped for gifts for two children each from a list provided by the Haverhill DSS at 3 Ferry Road in Bradford. The DSS provided a list of children and provided gift ideas for each of the children from their case workers. "During the
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In Control Advanced Driving School OPEN HOUSE 9-26-2008! Save on your Auto Insurance!
In Control Advanced Driver Training - open house September 26th, 2008, 2PM to 7PM. Do you want to SAVE on your auto insurance? Ask Sullivan Insurance how you can save up to 10% on your auto insurance TODAY!
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INSURANCE NEWS

Division of Insurance (DOI) - some insurance carriers will "waive" short rate cancellation
Can I be Penalized if I move my Auto coverage mid-term? (from Division of Insurance memo)
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Consumer Advisory - Some companies "waiving" Short Rate Cancellation!
MA Consumer Affairs article - SHORT RATE, can I move coverage mid-term?
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CALIFORNIA HOMEOWNER NOT LIABLE FOR TREE TRIMMER'S DEATH
The Supreme Court of California recently held that a homeowner was not liable for the death of an unlicensed contractor's employee who was electrocuted while trimming trees at the homeowner's property. The case is Ramirez v. Nelson, 188 P.3d 659 (Cal. 2008).
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AIG Receives Federal Loan, Looks to Sell Some Assets
The ripples of the subprime mortgage meltdown continued to reverberate this week as Lehman Brothers Holdings, Inc. filed for Chapter 11 bankruptcy, Merrill Lynch was sold to Bank of America, and of particular importance to independent insurance agents, American International Group received a commitment from the Federal Reserve Bank of New York for an $85 billion loan for 24 months, secured by all the assets of AIG. In return for the short-term loan, the U.S. government is getting a 79.9% equity
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Hanover MA Auto Brochure
Hanover MA Auto Brochure
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Hanover Billing Options
Hanover Billing Options - your options!
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Teen Driving Laws (MA)
Teen Driving Laws in MA, what a parent needs to know.
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Appeals Process for Accidents
MAIA President and CEO Francis A. Mancini, Esq. asked the Commissioner to retain the Standards of Fault for determining who is at-fault in an accident.
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RMV Announces CHANGES Due to Budget Cuts
The RMV has officially announced the cutbacks in hours of operation, reduced renewal or expiration notices and other services.
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Business Alert - Corbra Health Plan Changes
President Obama signed American Recovery and Reinvestment Act 2/17/2009 - COBRA assistance for certain unemployed individuals & uninsured children.
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MA Auto Reform for 2008
Everything you need to know about MA Auto Reform for 2008! A must read for any Massachusetts driver - see what the carriers are doing and what additional coverage options are being offered after 4/1/2008!
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HOW FINANCIALLY SECURE ARE YOUR INSURANCE PROVIDERS?
Independent insurance agents can help consumers analyze the safety and stability of their insurance coverage. Given recent events in the news involving AIG, consumers have many questions regarding the stability of their own insurance providers.
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Customers Satisfied with Value of Homeowners Policies!
Costs may be on the on the rise in many other sectors, but homeowners insurance customers are generally pleased with the value of their policies, according to a recent study from J.D. Power & Associates.
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Senate Finance Committee Passes Health Care Reform Bill
On Tuesday, after months of bipartisan negotiations, the Senate Finance Committee reported its bill out of committee in a 14-9 vote. Sen. Olympia Snowe (R-Maine) joined all committee Democrats in supporting the bill while the remaining committee Republicans voted against the bill.
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Credit Rating and Insurance Underwriting
A big factor in determining the premium of a personal auto or homeowner policy (except in Massachusetts) has nothing to do with a person's driving record, property losses, or claims - it's his or her credit record.
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Long-Term Care Insurance Rates Expected to Rise in 2010
This week, Employee Benefits News reported that insurance agents can expect a significant increase in long-term care insurance (LTCi) premiums this year. The publication cites a report by Jeff Lane, an analyst for A.M. Best Co., indicating that a combination of ultra-low interest rates longer life expectancies for LTCi and a low lapse rate among policyholders is causing many carriers to seek higher premiums.
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Business could be liable for employee text/call while driving!
Businesses Whose Employees Text or Place Business-Related Calls While Driving Could Be Found Vicariously Liable!
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FINANCIAL NEWS

Long-Term Care Insurance Rates Expected to Rise in 2010
This week, Employee Benefits News reported that insurance agents can expect a significant increase in long-term care insurance (LTCi) premiums this year. The publication cites a report by Jeff Lane, an analyst for A.M. Best Co., indicating that a combination of ultra-low interest rates longer life expectancies for LTCi and a low lapse rate among policyholders is causing many carriers to seek higher premiums.
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Paying for Deficits
Lately, the burgeoning federal deficit has prompted a lot of discussion. When the economy ran into severe problems in 2008, the Federal Reserve System, the U.S. Department of the Treasury and the federal government intervened in the face of potential cataclysmic consequences. Whether this intervention was warranted is still being debated, and the financial consequences of the spending will be felt for years due to the massive deficit spending that resulted from the stimulus legislation. However,
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Long Term Care in a Complete Financial Plan
In a climate of falling home values and shrinking savings accounts, employers and employees are looking for ways to plan for and protect their financial futures. And long term care coverage can play an important role in that planning.
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2008 Economic Stimulas Package - what everyone needs to know
Economic Stimulas Package of 2008 - What does this NEW Stimulus Package mean to me?
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AGENCY NEWS

Snow Load Alert - Protect Your Roof
unprecedented snow load on roofs in the Northeast has led to some building damage and collapse, so the following are a list of precautions to protect life & property.
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INSURANCE NEWS

Pay As You Drive Auto Insurance Pilot Planned for Massachusetts
Pay as You Drive Auto Insurance Pilot Planned for MA.
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Testimonials
Couldn't believe the difference - my past agent never discussed my coverage the way this agent did! I can't believe how bad my coverage was. They took care of everything & even cancelled my old policies. The new cost was even less than I was paying for for less coverage! I would highly recommend everyone have a review with this agency - they covered ALL the discounts and coverage options, and even asked me what I wanted my insurance to do - no other agent has ever asked me that! They didn't push me towards one company or another - they just competitively quoted with all their insurers. I would recommend everyone have a review with this agency and find out just want you are missing out on.
billw
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