Summer is Finally Here!  
 Summer 2016

Hi Everyone,        
Enjoy the sea, the sun and the scenery! Everybody works hard all year and now is the time to enjoy the "fruits of our labor" and have some "play time"! Check out our newsletter for information that may enhance your summer experience! 

Regards, 
Cindy Traverso, Paul MacDonald and Laurie Mancinelli 
Put the top down and hit the road!
And before we forget, make sure you've got plenty of sunscreen!
The call of the open road is at its strongest during the summer and so is the call of the convertible. If you're one of those drivers who has long dreamed of dropping the top and heading across the sate and beyond, we here at MTM have some buying tips for you.

Safety considerations
Of course, you want to be safe when driving your new car, so here are a few things to look for in a convertible, according to Edmunds.com.
*          Roll bars: Generally, convertibles offer some sort of roll bar to protect passengers should the car roll over.
*          Airbags: Side airbags that deploy from seats can be an optional feature on less­ expensive convertibles and something you should consider. Some of these airbags offer extra protection for the head.
*          Rear-view cameras and sensors: When the top is up, it can be difficult to see out of the rear window. Cameras and sensors can provide added safety.
Business Tip 
Commercial Umbrella Coverage  

20 years ago, $1 million dollar commercial umbrella polices were recommended by insurance brokers, but very rarely acted upon by business owners. Fast-forward to 20016, and many of our clients our now requiring umbrella coverage in excess of $5,000,000. Why? Well, if not required by contract, many of our clients now realize that one bad incident, claim or accident, and they could lose their business.

Keep in mind, that commercial umbrella's provide extra liability coverage above and beyond your following policies: 
  • Commercial General Liability
  • Commercial Auto
  • Workers Compensation
 By  providing critical layers of liability  
insurance, in essence business owners are insulating their businesses and assets from lawsuits that could be spawned by accidents and claims during the course of your business; for example, an auto accident caused by one of your employees that critically injures a third party. The injured party is never able to work again. Jury verdicts could exceed several millions of dollars.
Have you addressed all of your liability exposures lately? If not, please contact us at MTM to review and discuss your options. Don't wait until it's too late! 

MTM Insurance Associates, LLC
(978) 681-5700
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
1320 Osgood Street
North Andover, MA 01845

MTMBrainerd Inc.
(978) 667-9031
 Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
1A Andover Road
Billerica, MA 01821

MTM Insurance of Greater Haverhill, Inc.
(978) 372-1229
Hours: 8:30-5:00 Mon-Thur. 8:30-4:00 Fri.
229 So. Main St  
Bradford, MA 01835

Also you can visit us at 
 mtminsure.com 
 

Client Showcase
Say hello to Joe Faro, the owner of Tuscan Market and Tuscan Kitchen
Joe Faro owner Tuscan market and Kitchen
Tuscan Kitchen is located at 67 Main Street in
Salem NH (603) 912-5467
 
Joe's establishments offer a unique experience to their patrons by providing an authentic Italian Dining and Shopping experience.  Tuscan Kitchen is located at 67 Main Street in Salem NH and specializes in fresh pasta, regional Italian cuisine as well as breads, and desserts crafted daily in their artisan bakery. Tuscan Market is located right next door and is an Italian Marketplace where people can shop for imported Italian specialty foods, prepared foods, freshly baked breads, handmade pastas, pastries, wine and gelato. The Marketplace also features a full service café serving breakfast, lunch and dinner.

Joe regularly travels to Italy to bring his customers the best ideas, food and wine that Italy has to offer. In 2014 Tuscan Kitchen opened its third location in Burlington MA and this fall will be opening its 4th
restaurant in Portsmouth NH with another location planned for Boston in 2017. Laurie Mancinelli has handled Joe's Insurance for over 20 years and enjoys a rewarding professional relationship with he and his entire management team. To learn more about about Tuscan Market and Tuscan Kitchen go to tuscanbrands.com
Car Wash...
Preserving Your Car's Value
Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle potentially leading to serious damage and pre-mature aging.

Safety is also an issue. Grime across your windshield and windows restricts visibility in all directions, and even a light coating of dust or pollen can impair your vision, especially at night or when driving into the sun's glare.



That's why we at MTM encourage you to visit your local car wash regularly. Washing your car removes dirt, residues and pollutants that degrade your paint finish and corrode the underlying metal. It's like anti-aging cosmetics for your automobile!
Commercial Wash
or
Hand Wash
But, is hand washing at home or visiting a commercial car wash your best bet? While both lead to a clean vehicle, you'll cut your water usage in half by going to a commercial facility and help keep toxins and soap away from street drains, which can lead to local waterways. As a bonus, some commercial facilities recycle their water.

No matter which method you choose, these five tips will help you get the most out of your car-cleaning routine:

1.  Wash often. The longer tree sap, dead bugs and other gunk sit atop your paint, the more damage they can cause.
2.  Avoid abrasive soaps, cloths and sponges that can grind dirt deeper into your paint finish.
3.  Wash the undercarriage thoroughly to help prevent rust, especially after driving on road salt in the winter.
4.   Don't forget the headlights. When you're driving at night, in the rain or through an unfamiliar neighborhood, you want every lumen of illumination you can muster.
5.  Consider eco-friendly car soaps, such as biodegradable or waterless products, to help lighten the environmental impact of washing your car more often.

And, when you're all done? Finish up with a good waxing to give your car extra protection and shine.
 
 
Safety Tip Motor Vehicle Deaths up 8%
In 2015, which is the LARGEST, increase in 15 years. The leading causes of these types of accidents are from distracted driving, increase in traffic congestion, distracted walking and changing age demographics. 

Massachusetts is among the 10 states that experienced the biggest increase in accident costs. This is alarming news. We worry about our valued clients.
Be aware and stay safe!!! 
Ideas for Summer Family - Friendly Activities  
Tips for Creating fun memories with the family this summer. How about planning a New England adventure!  We have listed a some ideas but there are so many more. We have provided a link below for many more adventures and New England fun.  
  • Dinosaur park - 400 West Street Rocky Hill, CT 06067
  • Head to New England's largest water and amusement park
  • Visit an indoor-outdoor museum
  • mineral mine
Wishing you an awesome summer!



 For more images of Splash town visit their website:  
 FuntownSplashtown.com Route 1, 774 Portland Road Saco, Maine
  funtown_splash_town_sacomain
ABOUT OUR CUSTOMER SERVICE

Our Customer Service Representatives are high skilled insurance professionals who are happy to assist our customers all day long. Please feel free to reach out to them at any time to review your policies and discuss new options that may be available to you.



Call any of our locations for assistance

North Andover MA (978) 681-5700

Billerica  MA (978) 667-9031

Bradford MA (978) 372-1229  
or
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