Welcome to the Rizzo Insurance Group Inc. Blog!

One of the best ways to keep you and your employees from paying too much for healthcare is quite easily the most perfect solution out there: Keep everyone healthy.

When you have a sidewalk on your side of the street, who is responsible for its maintenance?  There are a few trains of thought on this one.  As a homeowner, you don’t want to be held liable if anyone gets injured while walking on the sidewalk.  It is in your best interest to make sure it is safe.  However, if you attempt to make it safe you can be held liable if someone gets hurt.  It’s a major Catch 22.

Photos can prove to be priceless memoirs of things that happened in your life. You will want to show your children and your children’s children for generations. Storing photos the correct way will help keep them looking new and keep your memories alive.

In May this year, the Lambros family experienced something they never thought they would have to witness at their Windmere, FL home. As Mrs. Lambros went out the back door to take the family dog out for a walk, she could hear some odd sounds. When she looked out at the backyard, it wasn’t there. Her backyard was gone. It had been sucked down into a sinkhole that took down one tree and came very close to taking the Lambros’ home with it.

Since it is summer, you might be running on a more lenient office schedule. With vacations and “sick” days luring your employees to the beach or other exciting summery places, you might find it easier to send them home with a laptop of other office gadget to get some work done. Just make sure they realize that those gadgets don’t like the summer heat so much.

Flip through any magazine lately and you’ll be sure to see plenty of supermodels and celebrities flaunting their beautiful jewelry and perfectly fitting clothes. There is no doubt that their wardrobes were likely custom made and cost a small fortune. For us common folk, having maybe one piece of expensive jewelry or one shirt that may have cost more than we should have spent on it is more likely. To protect the few exuberant items we own, that’s where our insurance in Massachusetts comes into play.

It is summer in Massachusetts and, boy, is it hot hot hot out there. It’s only the beginning of July and temperatures are well above normal already. All our air conditioners are most likely running the majority of the time. If your air conditioner decides to stop working will your insurance in Massachusetts cover it? It depends on the reason it ceased.

If you are living in Massachusetts - or anywhere in the United States for that matter, you have most likely heard about the recent ruling on healthcare insurance. Massachusetts residents may wonder how this ruling will affect them and their families in the upcoming years. There will be many changes, but some may affect you minimally or not at all depending on what your current status is.

Did you know the IRS has decided to change the tax credit for your small business health insurance in Massachusetts? It will be changing for the whole United States, actually. Right now, for tax years 2010 – 2013, the maximum credit you can receive as a small business is 35%. Small tax-exempt employers (charities, etc.) can receive a maximum credit of 25%.

Effective Jan 2014, the credits will be changing to a maximum of 50% for small business, and 35% for tax-exempt employers. So what will this mean to you and your small Massachusetts business? It means that if you may be able to claim more of a credit on your taxes in the years to come.

Where is the best place to start when you need insurance in Massachusetts?  Depending on what type of insurance you are looking for, you’ll need to talk to the correct type of insurance agent.  Some agents only sell specific insurance, so you’ll need to shop around until you are matched with the correct one.