B&M Hdr
 
Information for B&M clients & friends
Call 781.245.0007  or 800.688.8750

  February 2010
Greetings!
 
Our goal is to provide useful information and ideas that will help you save time and money in 2010.

Please take a moment after you review this info to visit our Web site for more information on our products and services. www.bandminsurance.com
 
In This Issue
Protect yourself! Underinsured motorist coverage essential
$$$ - Exclusive saving$ program for AFT MA members
Affordable & Indispensable: small business owner coverage is valuable asset
NEWS & NOTES: Important Toyota Recall Info; College student possessions coverage; Substitute Transportation often overlooked
Special Olympics Partnership
Underinsured Motorist coverage essential in tough times

2Drivers
. PROTECT yourself from serious losses
. Don't count on "the other guy" to have
  coverage
. Review your coverage NOW!



This optional auto insurance coverage provides coverage for bodily injury caused by an accident with an underinsured auto. It is worth considering especially in light of current economic conditions when many motorists are "downsizing" their auto insurance. We also recommend periodic reviews of your Uninsured Motorist coverage limits, and hit-and-run (uninsured) driver protection.
 
Call 781-245-0007/800-688-8750 or email us
for a review of your auto insurance coverages and limits.
AFT MA Members save on auto and home insurance

. Discounts on personal auto insurance (5% or greater!)
. Combine with your Home/Condo for up to 30% savings
. Flexible billing options with no finance charges
  and no money down.


As the exclusive insurance benefits provider for the American Federation of Teachers of Massachusetts (AFT MA), B&M Insurance has offered special programs for AFT MA members and their spouses for over 15 years. We work with members by phone, fax, email, at the school or their respective Union office.

For more information go to:
www.aftma.net/benefits.html or www.bandminsurance.com
or email John Gregorio
or call us at 781-245-0007/800-688-8750
Small business owner coverage is valuable asset
 
Small Business. We offer multiple companies so we can tailor coverage to fit your specific business
. Ask us about the benefits of a business owners policy (BOP)
. Affordable, indispensable for peace of mind

Catastrophic losses suffered by small businesses from fires, flooding, and windstorms result in 43% of them going out of business forever. Lack of a business continuity plan, including business interruption coverage, plague smaller businesses, according to a 2007 study by SCORE in coordination with Hewlett-Packard Development Company. (www.score.org) or (www.hp.com/sbso)


To schedule your no obligation review of how a business owner policy can help you, call 781-245-0007 or 800-688-8750 or e-mail John Gregorio
NEWS & NOTES
 
. Important Toyota Recall information can be found at the Massachusetts consumer protection agency website
 
. Students' personal possessions are fully covered by your Homeowner's Policy (subject to any deductibles) IF they live in a dormitory or fraternity house on campus.  Living off-campus on a year-round basis?  He or she should obtain Renter's Insurance.
 
. Substitute Transportation often overlooked.  How do you get to work if your car is laid up?  Rental car insurance provides an answer. It pays out a set amount per rental day.  On average, this benefit costs between $15 to $70 a year depending on the coverage selection you make. Contact us at 781-245-0007 for a review of your current selection.
Thank you for your referrals. Please feel free to forward this information to a friend or family member. About 60% of our new customers are the result of referrals from loyal clients like you.  When you refer someone to us, ask him or her to mention your name when they contact us.  We'd like to thank you personally!
 
Sincerely,
The B&M Insurance Agency family

Jill Grabiec X403
Tina Michalak X404
John J. Gregorio   X402
Robert P. McCormack, Sr

Visit our Web site
 
FAX:  781-245-2348
SOMA logo
Special Olympics Partnership

Click for details
We have adopted the Special Olympics of Massachusetts (SOMA) as our number one community service program for the agency.  B&M is an official partner of SOMA.
We are encouraging our clients to donate to this great cause.
All funds raised  go to Special Olympics of Massachusetts. Learn more about how you can participate in our SOMA programs:  call
781-245-0007/800-688-8750 or e-mail John Gregorio

Click here to donate to this worthy cause.
RAIS logo

.We are proud members of the Rennaissance Group of Independent Insurance Agencies.
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