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Real Estate & Business Insurance, Are You Covered? John E. Ciluzzi, President


As navigating the fine print in real estate and business insurance policies has become increasing difficult, we need to partner with the right agents to mitigate risk in case of a total loss. Fire, Wind, Wave and Theft touch everyone on this peninsula. We’ve asked five of the region’s top insurance experts for advice on trending topics in their field. 

Mark McCartin  of Dowling & O’Neil on Replacement Costs “Too many clients underinsure their property.  It’s imperative that the property be insured to its true replacement value, but most insureds take the “I’ll never have a claim” approach and it can cost them significantly when they have a loss and the property is underinsured. “

Scott Kerry of Kerry Insurance on Flood Insurance “Flood insurance is an important protection that a client can purchase to protect against rising tidal water and ground water seepage.  Storms appear to be stronger and water levels are higher. The exposure is growing.” 

Larry Horgan of Horgan Insurance on Employee Dishonesty “Typically Employee dishonesty is a key coverage provided by a Crime policy.  Depending on the type of business, size of the business, and staff, this coverage may make sense for the business owner.

Carl Goveia of Benson Young and Downs Insurance on Professional Liability: 

In this growing litigious world we live in the likelihood of a professional liability suit is much higher today than 10 years ago.  Most businesses are prone to employment practices liability which includes such areas as sexual and non-sexual harassment and wrongful termination as well as directors and officers liability. 

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