Most of you are aware that we have two offices, one in Whitman and another in North Conway, NH. Every so often I trek North to visit the crew up in ski country. They love to see me... honest. ;-)

There's a patch of Route 16 that has a rocky ledge, and in the winter months, it's usually covered with ice. I snapped a shot the last time I came through (yes, I did pull over before taking the picture... I'm an insurance guy, remember? We're conscientious about that stuff!) It really was actually beautiful - kind of like art. See for yourself!

As I finished the rest of the drive, my mind kept going back to that ice formation. We all know that moving water has a hard time freezing, so the "ice art" must have started with a slow drip. That means this mass of frozen water didn't just appear overnight; it built up over time. Probably, no one even noticed the water seeping over the rocks initially... but night after night, day after day, temperatures rose and fell... and what began as little icicles became a crystal fountain cascading over the stony cliff. Little by little.

That's why we pay so much attention to details here at Mason & Mason. We know that just like that icy ledge, little things can become big issues over time. It may not seem like a big deal that you neglected to tell us to add that new truck to your business auto policy... but if you should have an accident and that truck gets totaled, trust me... that little thing will become a major deal. Or how about this? You hire a sub who carries insurance, but his limits are not equal to your own. Hey... at least he has insurance, right? Six months down the line there's a problem at the jobsite - and the sub is clearly at fault. Because his own insurance is insufficient to cover the damage, the burden for coverage comes back on you and your policy. Suddenly what seemed like a minor thing when you hired the guy has grown into a detail that costs you - big.

Let me leave you with this thought from Sri Swami Sivananda, an Indian Sage:

"A mountain is composed of tiny grains of earth. The ocean is made up of tiny drops of water. Even so, life is but an endless series of little details, actions, speeches, and thoughts. And the consequences, whether good or bad, of even the least of them are far-reaching."

Whether it's a beautiful ice formation on the side of a cliff, or a nasty ice dam on the roof of that custom home you just built... little things make a difference. Let's keep in touch and together, we can stay on top of all those little things, and make sure you end up with ice art, rather than a mess.

Have a GREAT month!