Pool Safety Tips to Keep Your Kids Safe This Summer

Summer 2017 has finally arrived! Now that the warmer weather is here we are all anxious to cool off in a pool if you are lucky enough to have one. With a pool comes responsibility to ensure the safety of your family and your guests. Over 200 young children drown in backyard pools each year. Please take a look at these Safety Tips.

Be Sure to enter our June Facebook Live Giveaway!

Pool Safety Tips:

  • Make sure no one swims alone and NEVER leave a child UNATTENDED in the water or the pool area. Even just a few seconds could be too long. Be sure that less experienced swimmers are accompanied by swimmers with life saving skills.
  • Maintain secure fencing and a locked entrance around the pool and make sure there is adequate life saving equipment in the pool area such as life preservers and reaching pole or rescue hook.
  • Diving should be prohibited and water depth should be clearly marked.

Pool Maintenance Tips:

  • Keep chemicals safely stored away from the pool area. Follow storage and usage instructions recommended by the pool chemical Manufacturer.
  • Be sure electrical devices, including outdoor entertainment systems are away from the pool and wet surfaces. Be sure all electrical devices are plugged into a GFCI (ground-fault circuit interrupter).
  • Keep the pool area free of glass bottles and toys or other tripping hazards.

Our pool season is short. Keep it safe!

At Lapointe Insurance, we have a long history of providing professional advice to local families.  That history gives us the unique experience and expertise to keep your loved ones safe. Through a plan that includes loss control, safety planning, and insurance contracts, you can rest assured knowing that we’ve got you covered.

If you would like to speak with our MA or RI home and auto insurance specialists, please call us at (508) 678-8341 or click here to begin the process by email.

Thank You,

Colette McKeon, CIC

Chief Operating Officer

 

Finance Friday – Key Employee Protection

Welcome to our first episode of Finance Friday, where we will be featuring some local financial planners, and providing some strategies to protect your family or business. Today we’re talking about how small businesses can protect themselves against the loss of a key employee. Watch the video below or read the transcript. If you would like to submit your own question, you can send an email to me at jlapointe@lapointeins.com , on our Facebook page, or contact us through the website. 

Video Transcript:

“   John: Hey everybody, we’re here on Finance Friday, I’m here with Don Paulin of New York Life. It’s our first Finance Friday and I just want to introduce you guys to some financial planners in the area and hopefully you can get some great tips. So the first question I want to ask you Don is, how can a small business protect against the loss of a key employee? That can be a big issue for folks, some people may have a small shop and one or two people really bear the brunt of the load.

Don: Let’s use the example of an auto repair shop, they usually have 1 or 2 master mechanics. So if it’s a place that’s a mom and pop shop, they are not a chain, there’s one master mechanic who knows all things cars. He decides to quit, he gets hurt, or he just retires, the owner of that company now either has to try to find somebody to replace them or promote somebody from within. There is going to be a lack of experience. We have key employee policies made exactly for that, so the answer is actually in the question

John: So you can take out a life insurance policy on your employee?

Don: Absolutely, and it works several ways. Flexible, again you take it out on the employee and they leave, you use that money to: scout a new employee, get them through training and get them on the payroll. The other thing that happens with that is that key employee policy can be transferred onto that person that you just used as a replacement and it just keeps going.

John: Once again Don Paulin from New York Life. Thanks for coming to Finance Friday, I hope you enjoyed some of these great tips. Give Don a call by reaching the number below or click the link for some more info.

Don: Thanks John.

John: Thank you Don.  

This video is part of an ongoing series dedicated to helping families and small businesses plan for success.

At Lapointe Insurance, we have a long history of working with all varieties of small businesses.  That history gives us the unique experience and expertise to strategically manage your risks. Through a plan that includes loss control, safety planning, and insurance contracts, we can help keep your employees and patrons safe, while protecting your bottom line as well.

If you would like to speak with our MA or RI small business insurance specialists, please call us at (508) 678-8341 or click here to begin the process by email.

To reach Don Paulin at New York Life, call (401) 617-9944.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Tips on Slips with Sentinel Safe Floors

Today’s tips feature special guest Bob Giammarco from Sentinel Safe Floors. We are here today to talk about how keeping your floors in good condition can prevent costly insurance claims. Watch the video below!

The majority of small business liability and worker’s compensation claims are the result of slips and falls. Floor coverings should be in good condition whether they are hardwood, vinyl, concrete, or carpets. Sentinel Safe Floors treats your existing floor to increase the amount of friction, which can stop slips and falls from starting in the first place.

At Lapointe Insurance, one of the things we focus on with our clients is loss control. If we can keep the number of claims your business has low, we can help save you money on your insurance premiums. The easiest way to keep your claims low is to promote a safe work environment from the ground up. If your floors are safe you will reduce the chance of a costly claim.

If you are a current client of Lapointe Insurance, you can get a 10% discount from Sentinel Safe Floors, a great incentive to work with us and Bob’s company as well.

You can reach Bob at Sentinel safe floors by phone at 1 (877) 943-SAFE, or visit his website.

At Lapointe Insurance, we have a long history of working with all varieties of small businesses.  That history gives us the unique experience and expertise to strategically manage your risks. Through a plan that includes loss control, safety planning, and insurance contracts, we can help keep your employees and patrons safe, while protecting your bottom line as well.

If you would like to speak with our MA or RI small business insurance specialists, please call us at (508) 678-8341 or click here to begin the process by email.

Thank you,

John Lapointe
Account Excecutive

 

 

 


The Trusted Choice Difference

Our new Television Ad came out today (check it out below!)  so it’s a good time to talk about what it means to be a Trusted Choice agency.

There are many independent insurance agencies to choose from, but how do you know who you can trust? One good place to start is by checking if they are a “Trusted Choice” agency. Trusted Choice® is a national brand that represents the 140,000 Licensed Independent Insurance Agents & Brokers of America. These agents are independent business owners who are bound by a common commitment to serving their customers.

“There are two primary types of insurance agents. “Captive” agents are employees of one insurance company and can only write policies for that company. (Nationwide, State Farm, Progressive, Federated are just a few examples.) This means they are limited to their company’s coverage plans.

Trusted Choice® Independent Insurance Agents, however, are able to source from a variety of reputable national and local providers. They have the flexibility to offer a broader range of options at highly competitive prices, so you get a personally tailored plan to suit your needs and budget.”

Ask your agent, or check for this logo at their office or on their website:

Trusted Choice Logo Bird

At Lapointe Insurance, we know that to be trusted you have to work hard and earn that trust. We also know that it’s important to give your customers a choice when it comes to insurance. We try to educate our clients that choice is NOT all about price. That means we make sure you have the right coverage for the best price possible. If you would like to receive a quote, or have one of our friendly team members review your Massachusetts or Rhode Island insurance program, give us a call at (508) 678-8341 or click here to begin the process by email.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Lemonade Day!

Today we are very proud to sponsor The Greater Fall River Lemonade Day. The young entrepreneurs at Bri-Ann’s Lemonade and L&L Lemonade are the future leaders of our community!

 

 

 

 

 

 

 

“America was built on the back of small business. Entrepreneurs take risks believing they can realize their dream if they work hard, take responsibility and act as good stewards of their resources. Today’s youth share that optimism, but lack the life skills, mentorship and real-world experience necessary to be successful.  In 2007, founder Michael Holthouse had a vision to empower today’s youth to become tomorrow’s entrepreneurs through helping them start, own and operate their very own business…a lemonade stand.

Lemonade Day is a strategic lesson-based program that walks youth from a dream to a business plan, while teaching them the same principles required to start any big company. Inspiring kids to work hard and make a profit, they are also taught to spend some, save some and share some by giving back to their community. Since it’s launch in 2007 in Houston Texas, Lemonade Day has grown from serving 2,700 kids in one city to 1 million children across North America. Lemonade Day sparks the spirit of entrepreneurship and empowers youth to set goals, work hard, and achieve their dreams.”

At Lapointe Insurance, we are proud to support our local Massachusetts and Rhode Island communities. If you would like to learn more about what we do, please check back here regularly, or follow us on Facebook.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Important Boat Insurance Tips!

Boat Insurance Basics

It’s that time of year! The weather is warming up here in MA and RI, time to take the shrink wrap off of that cabin cruiser and get her ready for the water. And while you are at it cleaning out the cockpit and painting the hull, take a minute to consider your boat insurance before you head to the boat launch.

At Lapointe Insurance, we’ve got you covered. Whether you’ve got a Center Console, Catamaran, Cutter, Runabout, Bow Rider, Bass Boat, or Jetski here are things to consider with your Massachusetts and Rhode Island Boat Insurance.

Physical Damage coverage. – Provides protection in the event of a collision with a submerged object or another boat.

Liability coverage. – For bodily injury or damage to the property of others.

Personal Property coverage. – Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.

Towing and Assistance coverage. – To transport your boat to a repair facility when it’s inoperable and you’re stranded in the middle of Narragansett Bay or off the coast. Gas delivery for boats and roadside assistance are also available.

Flexible Pricing Programs – You choose. Agreed Value or Actual Cash Value coverage. Agreed Value entitles you to the “replacement value” on most partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual Cash Value earns you a substantial premium discount. In the event of a loss, settlement is based upon a depreciated value.

Education Discounts Up to 10 Percent. For safe boating courses, including Power Squadron and U.S. Coast Guard – 5 percent per boat for basic courses, 10 percent per boat for advanced.

Equipment credits. Available for safety equipment such as built-in fire extinguisher systems and burglar alarms.

Flexible payment options. You can pay your bill by: check, electronic funds transfer (EFT), phone or online. It’s your choice.

At Lapointe Insurance, we want to make sure you are protected, so you can go have fun this summer without worrying about it. That means we make sure you have the right coverage for the best price possible. If you would like to receive a quote, or have one of our friendly team members review your Massachusetts or Rhode Island insurance program, give us a call at (508) 678-8341 or click here to begin the process by email.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Credit For Life Fair

Yesterday we attended the Credit For Life Fair at Bishop Stang High School.

We attend several of these fairs each year, and help students understand the importance of insurance and what it costs, very valuable life lessons are learned!

 

“Each spring, the Institution for Savings, in collaboration with local high schools in our market, coordinates and underwrites the Institution for Savings Credit for Life Fair. The Credit for Life Fair is a nationally recognized program designed to help high school students develop personal financial management skills that they will use throughout their lives.

Specifically, this is an interactive half day fair when 11th grade students play the roles of 25-year old adults and are assigned professions and annual salaries. Then working within a budget based on their monthly “income,” students visit 10-15 booths over a 3 hour period to make “purchase” decisions utilizing cash, credit or savings. During the course of the Fair the students will also be faced with a variety of unexpected occurrences:  their ‘car’ breaks down and needs extensive repairs; their ‘pet’ needs to go to the vet;  etc. During and at the conclusion of the Fair they will be required to visit the Credit Counseling Booth where they will be able to check their “credit” and determine whether they are indeed living within their budget. ”

Click here for more info about credit for life from the Institute for savings.

At Lapointe Insurance, education is a big part of what we do. If you have questions about insurance, give us a call at (508) 678-8341 or click here to begin the process by email.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Check Out This Old Commercial

This corny commercial sure is a blast from the past, but many things still hold true today. When you walk in our doors at any of our three local offices (Fall River, Westport, North Attleboro) you’re treated like our best customer.

Our family business is built on working hard to earn our clients’ trust. Something you would never get from the lizard or caveman you see on TV.

So put the goofy sitcom music and scripted lines aside.. WE are here to HELP YOU.

If you would like to receive a quote, give us a call at (508) 678-8341 or click here to begin the process by email.

Thank you,

John Lapointe
Account Excecutive

 

 

 


Providing Personal Service in Massachusetts and Rhode Island since 1960