Two Holidays in the Same Week

February 14, 2015 at 9:00 AM | Posted in Auto, Holidays, Home, Insurance Policy, Personal Insurance | Leave a comment
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Valentine’s Day carries the tradition of showing loved ones how much they mean to us. On President’s Day, we remember all U.S. presidents past and present. It’s not often that we have two holidays in the same week like we do this year, and both of these holidays are popularly known for people making unique, and valuable, purchases; jewelry for Valentine’s Day and vehicles for President’s Day.

Whether you are giving or receiving, we want to help you make sure that your special, and expensive, gifts or purchases are adequately insured. Here are a few suggestions:

  • Jewelry – Jewelry can be a fun gift to pick out or receive, and may even end up being passed down in your family through generations. We want to help keep something of such monetary and sentimental value in your possession. Your Homeowner policy has limitations on the types of losses that are covered and on the amount of coverage provided for jewelry. Consider adding a rider to your policy such as a “Scheduled Personal Property Endorsement” or a “Blanket Endorsement.” Both of these endorsements provide coverage for all types of losses and they do not have a deductible. You can also purchase the right amount of coverage that you need for your jewelry by having an appraisal or receipt for each item.

 

  • Vehicles – Purchasing a car is not only an expense financially, but also physically; it takes time, consideration, and planning. One thing to consider when purchasing a car: as soon as you drive your brand new vehicle off of the dealer’s lot, its value starts to depreciate. If your vehicle happens to get totalled within the first few years of ownership, you could end up owing more on the loan than the vehicle is worth. To avoid out-of-pocket expenses to make up the difference, you should have GAP coverage added to your Auto insurance policy at the time you insure the vehicle. The cost for this coverage is usually not more than $50, and can prove to be a valuable decision.

After this week’s holidays, whether you acquire a new item of jewelry, start your week off driving a new car, or decide you would like to look into further insurance options for your possessions, we want to help you insure the safety and value of each. If you have any questions about the policies stated above, or your existing policies, please contact us at 888-850-9400.

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Tips for a Tasty Turkey

November 26, 2014 at 11:25 AM | Posted in Event Planning, Food, Holidays, Home | Leave a comment
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Tips for a Tasty Turkey

As folks gather with family and friends to celebrate the Thanksgiving holiday, the center of attention on many a dining table is TURKEY! Below are step-by-step roasting instructions to help you achieve a golden brown, moist, tasty turkey that everyone will rave about:

  1. Remove giblets that are stored in a packet in the neck area of the bird. Remove any large pockets of fat that may be present in the neck area.
  2. Drain any juices out of the cavity and blot it dry with paper towels.
  3. Rub the inside of the cavity and neck area with salt.
  4. Place the turkey breast side up on a rack in a shallow roasting pan.
  5. Brush the bird with oil or melted butter.
  6. Insert a meat thermometer into the thigh area of the bird being careful not to touch bone.
  7. Roast, uncovered without liquid, according to the chart below. If the poultry browns too quickly you can tent it with foil.
  8. Remove from the oven when the temperature is 5 degrees below the desired temperature.
  9. Cover with foil and let stand for 10 to 20 minutes.
Unstuffed Turkey Weight Cooking Time (Minutes Per Pound) Oven Temp.

Internal Turkey

Temp.

8 to 12 lbs. 15 to 20 325° 170° to 175°
12 to 14 lbs. 15 to 17 325° 170° to 175°
14 to 18 lbs. 14 to 16 325° 170° to 175°
18 to 20 lbs. 13 to 14 325° 170° to 175°
20 to 24 lbs. 12 to 13-1/2 325° 170° to 175°

**For stuffed turkeys add 15 to 45 minutes to the cooking time.

If you choose to Deep-Fry your turkey, please keep the following safety tips in mind:

  1. Use the proper equipment – choose a fryer that is specifically built for deep-frying turkeys.
  2. Only deep-fry a thawed turkey – thaw the turkey in the fridge for at least 3 to 4 days prior.
  3. Don’t use too much oil – hot oil spills often result in significant injury and/or fire.
  4. Never deep fry indoors – Always keep a fire extinguisher near by.

We wish you a happy (and safe) Thanksgiving with your family and friends.

 

 

 

Snow Removal Tips

December 18, 2013 at 1:31 PM | Posted in Holidays, Home, Safety Tips, Seasonal | Leave a comment
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It’s beginning to look a lot like… a very snowy winter! Even though the snow creates beautiful scenery, it can be a hassle to clean up. By following this list of snow removal suggestions you can help prevent liability issues and injury:

  • Clear snow and ice off your vehicle surfaces before you drive away. Snow and ice flying off a vehicle can damage other cars and cause accidents. The Massachusetts Turnpike Authority can prohibit vehicles from using the roadway if debris, including snow or ice, could fall from the vehicle and endanger individuals or property. Massachusetts Turnpike Police also have the authority to fine drivers $200 for failing to clear vehicles.
  • Clear and sand walkways and steps. Make sure that your walkways and steps are clear of snow and ice to ensure the safety of visitors and delivery personnel. As things melt during the day and freeze again at night, it makes it necessary to re-apply sand and salt. Don’t forget – due to a recent Massachusetts law, homeowners are now responsible for clearing the sidewalk in front of their homes.
  • Have your roof raked after each significant snowfall. Raking the snow away from the edges of your roof prevents the melting and re-freezing that creates ice dams. This will protect your roof as well as prevent icicles from forming that could fall and injure someone.

This is just the beginning of the winter season and much more snow is expected. At Protector Group we hope these tips will keep you safe and incident free this winter.

Decorating Safety Tips

November 27, 2013 at 9:11 AM | Posted in Holidays, Safety Tips, Seasonal | Leave a comment
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According to the U.S. Consumer Product Safety Commission, approximately 12,500 people are treated each year for falls, cuts, and shocks related to holiday decorating  (Click Here to learn more).

When preparing to display your holiday decorations, these tips could reduce your risk of property damage or personal injury:

  • When hanging lights outdoors use a wooden or fiberglass ladder
  • Stay clear and far away from power lines
  • Use LED lights whenever possible, they are cool to the touch and are made with epoxy lenses instead of glass ~ and they are more durable
  • Check each set of lights for broken or cracked sockets, frayed wires, or loose connections
  • Fasten outdoor lights and decorations securely to protect them from wind damage
  • Use insulated staples and hooks to hold strings in place in place of metal nails or tacks
  • Take care not to use more than a total of three (3) standard size string of lights per single extension cord
  • Make sure all the lights you are using outdoors have been certified for outdoor use
  • Turn off all lights before you go to bed or leave the house

Protector Group asks that you plan ahead and follow these safety tips. We want to ensure your holiday season is happy, healthy, and SAFE.

Trick or Treating Safety

October 30, 2013 at 9:32 AM | Posted in Holidays, Safety Tips, Seasonal | Leave a comment
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Some towns have already had their Trick or Treat night, but most towns will be Trick or Treating on Halloween. Halloween night is a lot of fun, but it is also very easy to be preoccupied and not pay attention to what is going on around you. Here are some tips to keep in mind.

If You are Trick or Treating:

  • Dress in bright clothing or use reflective tape on your costume.
  • Carry flashlights or glow sticks.
  • When crossing the street, be sure to look in both directions.
  • Never go into a stranger’s house or car.
  • Only visit homes that are well lit.
  • Tell your family exactly where you are going and don’t change the plan without telling them.
  • Don’t Trick or Treat alone.
  • Carry a cell phone with you.
  • If you are driving be extra cautious and watch for Trick or Treaters walking in the streets. Don’t pass other vehicles that have stopped – they may be dropping off kids.

If You are Handing Out Treats:

  • Be sure that your steps or walkways are clear of obstructions or trip hazards.
  • If you have sprinkler heads or any other structure that you cannot remove, make sure it is visible so it is not tripped over.
  • Light up driveways, walkways, and steps so the Trick or Treaters can see where they are going.
  • Keep candle-lit Jack-o’-lanterns away from doorsteps, walkways, landings, and curtains and out of the reach of pets and small children.
  • If you have pets make sure they are secure and don’t get out when the door is opened to hand out candy.
  • Park your car in a location that doesn’t obstruct the Trick or Treaters’ view of traffic.

Play it safe, and have fun Trick or Treating!

Halloween Thrill Seekers!

October 9, 2013 at 9:35 AM | Posted in Holidays, Seasonal | Leave a comment
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Whether you are a leaf peeper or a thrill seeker, New England is a great place to be this time of year.  With Halloween just around the corner, the haunted theme parks are in full swing.  If you are a thrill seeker, here are some spooky places you will want to visit this month:

New Factory of Terror – 2 locations
344 Franklin St. Worcester
33 Pearl St. Fall River
www.factoryofterror.com

Witch’s Woods
79 Power Rd. Westford MA
www.witchswoods.com

Spooky World Presents Nightmare New England
454 Charles Bancroft Hwy Litchfield NH
www.nightmarenewengland.com

Spooky World Presents Terror in Rhode Island
1000 New London Ave. Cranston RI
www.terrorinrhodeisland.com

Barrett’s Haunted Mansion
1235 Bedford St. Abington MA
www.bhmansion.com

Halloween at Six Flags New England
1623 Main St. Agawam MA
www2.sixflags.com/newengland

For additional haunts including cemetery tours and happenings in Salem, MA during the month of October, visit www.massvacation.com

Have a creepy good time!

Safety Tips for Traveling During the Holidays

December 19, 2012 at 9:19 AM | Posted in Personal Insurance, Reminders, Safety Tips, Seasonal | Leave a comment
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  • If you will be gone for an extended period of time, make sure your house looks occupied by putting your lights on timers
  • Have someone pick up your mail and papers, and hire someone to plow or shovel snow right after a storm.
  • Have a neighbor park one of their cars in your driveway
  • Let someone know where you are going, the time frame you will be traveling, and what route you will be taking.
  • Keep valuables locked in your trunk and out of sight.
  • If you must pull over along the way, make sure you pull into a well-lighted public area – don’t stop along the side of the road.
  • Fill the gas tank before dark.
  • Select ATMs that are in visible, well-lighted areas.
  • Don’t travel with a lot of cash, and keep your credit cards in a different location than your cash.
  • Whenever possible, travel with someone.

Protector Group wishes you and yours a safe and happy Holiday Season!

Join Us in the Spirit of Giving

December 12, 2012 at 9:20 AM | Posted in Personal Insurance, Reminders, Seasonal | Leave a comment
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Each year, our Community Outreach Committee organizes and manages a holiday project to help those in need. This holiday season we are supporting the Worcester YWCA by collecting items for the families they are housing.

We will be collecting items through December 17th. Some of the items on their wish list are:

  • Walmart or Target Gift cards
  • Price Chopper gift cards
  • Women’s black or white socks
  • Diapers and wipes
  • Lotions, body wash, or toiletries
  • Books for toddlers

If you would like to help us out, you can drop off donation items at any of our offices from 8:30a.m. to 5:00p.m. Monday through Friday.

  • Worcester: 100 Front Street, 8th Floor
  • Leominster: Twin City Mall, 975 Merriam Avenue
  • Wellesley: 981 Worcester Street

Together we can make their holiday a little brighter.

Best Wishes for a Happy and Prosperous New Year!

December 28, 2011 at 11:00 AM | Posted in Home, Identity Theft, Insurance Policy, Motorcycle, Personal Insurance, Personal Property, Renters, Travel Insurance | Leave a comment
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We at Protector Group would like to take this opportunity to thank you for your continued partnership. May the new year be filled with much joy, happiness, and success. We look forward to working with you in the coming year and hope our relationship continues for many years to come.
Happy Holidays!

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