Posted on Mon, May 03, 2010
From: Chisomeje Odimba at EzineArticles.com
Because of the high risk involved in the ownership of a pool in the house, a lot of insurance companies hesitate to underwrite insurance policies for home owners who have swimming pools with slides or diving board. Statistics have shown that the rate of accidents in household swimming pool is very high. There is high risk of litigation against home owners. We are all familiar with headlines of accidents in pools or children drowning in backyard pools. The irony of it all is that some of the people who would use your pool may be uninvited guests (especially children) but that still does not immune you from being sued if any accident happens to them. It is therefore your responsibility to take the following precautions:
1. Build a fence around your pool and keep it locked constantly. That way, no one would use the pool without your knowledge.
2. Be sure that everyone who uses the pool knows how to swim.
3. Never leave children unsupervised.
4. Do not let little children get close to the pool filters because suction might injure them or not allow them to get to the surface.
5. Do not swim if you are tired.
6. Do not swim alone nor allow others to swim alone.
7. Do not allow anyone who has had too much alcohol to swim.
8. Ensure that you are around to supervise your children and their friends before you allow them to use the pool.
9. Always check the water level of an in-ground pool before you dive and never dive into an above-ground pool.
10. Routine maintenance for your pool is necessary to check the presence of hazardous materials like bits of glass and such things.
11. Keep a solid cover on the pool during off seasons.
12. Get to know all the safety regulations that is required of a household pool and comply with them.
Having taken all these precautions, you need to think of reviewing your home owners' policy to be very sure that you are fully covered. Most insurance companies would pay up to $100,000 anytime someone files a legitimate claim against you (some others even go as high as $200,000 to $300,000 of coverage as part of their policy.
You can increase your liability coverage either by purchasing higher liability coverage on your existing limits. This is not expensive. (You can do increase from $100,000 to $300,000 for just an addition of $50 or less annually), or you buy a stand alone liability insurance policy which is different from your home owners' policy. This is called and umbrella liability policy. Because of the risks involved with owning a pool in the house, your agent would advise that you get the umbrella policy.
To get the best deal for your umbrella policy, an extensive comparison shopping would do you a world of good.
Posted on Thu, Mar 04, 2010
From: Mass.gov
Watch Out for the "Boomerang"
Layoffs and a dearth of new job openings continue to add to the high rate of unemployment, leaving an increasing number of new college grads and young adults unable to make ends meet. Left with limited options, many are moving back home with Mom and Dad. A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons.
Saddled with college loans and unexpected job loss, these young adults - sometimes called "Boomerangers" - are forced to live at home until they can find a job and get their finances back on track. A grown child moving back home can create insurance implications that must be considered carefully and understood to ensure everyone stays protected.
Review Your Home and Auto Insurance Policies
A move back home provides the perfect opportunity to review existing home and auto insurance coverage for both parents and children to ensure it adequately reflects the new living arrangement. Parents should discuss the situation with their insurance agent or company to determine what level of coverage their family needs.
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Home Insurance
As part of the review process, families might find they can save money by combining existing insurance policies. For example, young adults renting before moving back home no longer need renter's insurance; instead, they could potentially be added to the homeowner's policy. However, they need to be sure that their parents' homeowner's policy has a broad enough scope to include them as "insured."
Young adults might need additional coverage if the move back home forced them to rent a storage locker for their belongings or if they have big-ticket items, like jewelry, expensive electronic equipment or other valuables that may require coverage beyond what their parents' homeowner's policy has currently. |
Auto Insurance
Auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent's policy? Does the young adult need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house.
Keep in mind that rates may increase whenever you add a driver to your policy, so parents should look for discounts such as those given for multiple vehicles, multiple policies (homeowner's, life, health, disability), anti-theft devices and good driving records. |
Adding Your Boomerang to Your Health Insurance
If your child is unemployed or unable to obtain or afford employer-sponsored health insurance, you might be able to add your child to your policy. Under Massachusetts law, a parent's fully-insured health insurance plan can now cover young adult children to either age 26 or 2 years past the last year in which the child could be claimed as an exemption on the parent's federal income tax - whichever comes first. You should reach out to the Division of Insurance to learn more about how Massachusetts laws affect your coverage.
Explore Alternative Options for Health Insurance Coverage
If young adults don't qualify for a parent's policy, other options can be considered to make sure they stay protected.
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Alumni Associations
University alumni associations can be a resource for cost-effective insurance plans - health, auto, life - but this might require application within a set period of time after graduation and perhaps membership in the alumni association. |
Commonwealth Care
The Commonwealth Care Health Insurance Program is offered through the Commonwealth Health Connector (Connector). It is a subsidized insurance program for uninsured individuals with incomes that fall within certain guidelines and who meet other qualifications. |
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Industry Associations
Many professional groups and associations also provide members access and preferred rates for auto and life insurance. If part of an industry group, check with the organization to see what benefits are available. |
Commonwealth Choice
The Connector makes available young adult health insurance plans designed specifically for 18-26 year-olds. While not subsidized, these plans offer good value for individuals in this age group.
Consumers should reach out to the Commonwealth Health Connector to learn if they might be eligible. |
Posted on Wed, Dec 23, 2009
Did you know that dog bites cause about 800,000 injuries requiring immediate medical care in the United States each year? This statistic is based on research conducted by the Centers for Disease Control and Prevention (CDC). If your dog bites someone, you can be held legally liable. Fortunately, this loss is usually covered by the homeowners policy, with some exceptions. In fact, about one-third of all liability insurance claims paid by homeowners policies are for dog bites! Even if your insurance covers the claim (and possibly the lawsuit), however, imagine the personal grief you and your family would feel for the injured friend, not to mention the time and trouble you would incur in cooperating with your insurer in defending against the claim, following a tragic event involving your pet.
Therefore, preventing such an unfortunate occurrence should be your primary objective, and there are steps you can take to reduce or prevent dog bites. Here are some suggestions from the professionals.
- 1. Carefully consider dog breeds prior to selecting a pet. Some breeds have worse reputations than others, and a veterinarian can help you decide which breeds might best fit your lifestyle.
- 2. Spay or neuter the animal as this often decreases the aggressiveness of dogs.
- 3. Seek a veterinarian's advice quickly if your dog becomes aggressive.
- 4. Socialize your dog from an early age to encourage appropriate behavior.
- 5. Never leave dogs alone with small children.
- 6. Avoid aggressive games with puppies and dogs, such as tug-of-war.
- 7. Do not place your dog in situations where he or she can be teased or feel threatened.
- 8. Train your dog to obey commands.
- 9. If your dog does bite someone, a board-certified plastic surgeon should treat this person to minimize scarring and potential disfigurement.
There is one other loss exposure concerning dogs you should consider. You may face liability claims if your dog gets out into the road and causes or contributes to an auto accident. You can be sued for violation of leash ordinances by allowing your dog to "run at large." Use a well-maintained and sturdy fence or other safeguards to reduce this exposure.
And, if your dog does injure someone despite all your efforts to avoid it, report it to your insurance company immediately to assure your coverage is not jeopardized for late reporting.
Get more personal lines insurance and risk management tips and ideas from IRMI.
Copyright 2009
International Risk Management Institute, Inc.
Posted on Fri, Oct 30, 2009
Is the amount of property insurance on your home correct? What is the appropriate amount of coverage for your home? To begin with, it should be insured for at least 80% of its replacement cost when covered under a standard homeowners policy. Replacement cost refers to the amount necessary to repair or replace damaged building parts with items of like kind and quality. Some insurance companies even require 90% or higher figures when the guaranteed replacement cost option is offered. With this option, the policy pays the full cost of replacing your home, without any depreciation and often without a maximum reconstruction payment. (This gives you added protection if there is a sudden jump in construction costs due to a major shortage of certain building materials. Construction costs often "surge" following large catastrophes, such as hurricanes.) Note that guaranteed replacement cost coverage approaches can vary by state and is not even available in every state.
Many homes are either underinsured or overinsured. For example, some homes insured for long periods of time with one insurance company may have inadequate limits of insurance due to increased building costs. In many cases, homes have been remodeled and improved, and this information has not been conveyed to the insurance agent or company, resulting in severe underinsured home values. If your home is underinsured, you not only have inadequate protection for total losses, but you may also lack full protection for smaller losses.
Sometimes homes are mistakenly insured for their market value. However, market value is normally not indicative of the home's replacement cost. For example, market value also reflects the cost of the foundation and the nondestructible land value, both of which normally survive intact if the house burns to the ground and has to be rebuilt.
In addition, some homes may be insured improperly to meet mortgage company requirements. Some mortgage companies require the amount of insurance be at least equal to the mortgage balance on the house. The mortgage balance is also not reflective of the home's replacement cost, which is often considerably more but can also be less. Insurance companies and agents often struggle in properly educating mortgage companies about these distinctions, but there is nothing to prevent you from insuring to actual replacement cost if that is indeed greater than the mortgage balance. The problem occurs when the mortgage balance is greater than the replacement cost, which will result in the purchase of a higher limit than needed.
The bottom line is that you should work with your insurance agent to determine the correct replacement cost and resulting insurance limit for your home. Most agents use sophisticated replacement cost estimating packages that can fairly accurately determine the replacement cost value of your home. Factors that these programs use to determine this figure include the following.
- Square footage of the home, including its configuration
- Construction costs for your community
- Exterior wall construction type, including frame, stucco, brick, or brick veneer
- Style of home
- Number of bathrooms and bedrooms
- Roof type
- Attached garages, fireplaces, built-in cabinets, and other special features, such as hardwood floors
The more advanced replacement cost estimating programs require detailed information to improve the valuation estimate. For example, a rectangular-shaped home with 1,800 square feet will have a much lower replacement cost than a similar-sized home with an "L" shape. In other words, the better cost estimating programs require information about the number of corners in the home. The more detailed information your agent asks about your home, the more confidence you can place in his or her recommended limit of insurance.
As a final note, you should request an annual review of your homeowners policy to keep up with increasing building supply and labor costs. Also ask your agent about the advisability of adding an "inflation guard" endorsement to your policy or about the availability of guaranteed replacement cost coverage to help assure that your home is properly protected.
Get more personal lines insurance and risk management tips and ideas from IRMI.
Copyright 2008, International Risk Management Institute, Inc.
Posted on Tue, Aug 25, 2009
Does Volunteering Your Time Mean Volunteering Your Insurance?
Millions of Americans donate time-their most valuable asset-to 
serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization-and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?
Homeowners' Insurance
The last thing volunteers want to consider is what would happen if their favored organization file suit against them as a result of their efforts. But it happens, and not infrequently. This does happen, especially when volunteers make decisions that directly influence the finances of an organization. Often, the only insurance these volunteers have to back their efforts is a homeowner's policy. Unfortunately, this policy may be of little assistance.
The reason homeowners' policies do not usually cover liability stemming from actions as a volunteer is the nature of the claim. The policy is designed to cover claims of "bodily injury," such as someone slipping on cracked pavement in your driveway; and/or "property damage," such as accidentally setting your neighbor's house ablaze when burning some brush on a windy day.
Claims against board members do not usually involve bodily injury or property damage. Rather, they involve bad decision making that results in financial loss to the organization, such as the decision to invest in an IT system that turns out to be a debacle, costing the organization tremendous time and money.
There is another problem. Homeowners policies do not cover "professional services." This is important to note, because board members are often asked to serve in a capacity consistent with their profession. For example, a church member who is a CPA may be asked to serve on the church's board as finance chairman. Even though he is not paid for his services, the "professional services" exclusion under his homeowner's policy would still apply.
In addition to the above, homeowners policies do not cover claims of personal injury unless this coverage is specifically added. Personal injury insurance is added to the homeowner's policy to cover claims such as libel, slander, wrongful eviction, and false advertising.
What to Do
Events causing claims are unpredictable. While the reasons shown above prove it's unlikely, not all claims against volunteer board members are excluded by a homeowners policy. Decisions to purchase personal injury coverage and a personal umbrella policy will increase your ability to find coverage for a suit against you.
The best method for insuring the actions of board members is for the organization to purchase a directors and officers (D&O) liability policy. These policies are relatively inexpensive for most non-profits. Before volunteering, request information on the organization's D&O policy. The absence of this insurance leaves you at risk of having no personal insurance to defend a suit brought against you by the organization and should influence your decision to serve.
Gaudette Insurance Agency, Inc. is a local Trusted Choice® agency that represents multiple insurance companies, so we offer you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. You can visit Gaudette Insurance Agency, Inc. online at http://www.gaudette-insurance.com/ or call us at 1-800-922-8381.
Posted on Thu, Dec 18, 2008
In the wake of last week's ice storm, there have been many questions about what is covered and what is not covered due to the power failure. Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CPIW, Vice President of Technical Affairs at MAIA has written a fantastic article to help clear things up, which I have included below. This is a long article but well worth reading.
December 2008
Well ... you people in SOUTHERN Massachusetts are "wicked lucky." Many of us in the great North and West of Massachusetts ... not so. I now have great compassion for those who survived the ice storm in Maine a few years ago ... I now can commiserate!
My husband talked me into a "full house" generator earlier this year ... and I am SOOOOO thankful. I guess I should listen to him more and argue less ...
I have been without "real" power since Thursday night sometime. I also am without COMCAST, which is horrible. No Internet ... NO telephone ... NO TV ... and that is the order of importance as far as I am concerned.
So, I am a little on "edge" this fine Monday morning and when I got a particular call from an agent ... it sent me for a loop. It wasn't the agent that upset me ... it was what the agent was told by two of his insurance companies. Two company representatives told him that frozen pipes caused by an off premises power failure were NOT covered under the homeowners policy. My response ... and what planet did these people come from. Obviously not the same insurance planet that I have lived in for almost 34 years (that is the length of time I have been IN insurance ... not my age ... unfortunately).
SO ... let's look at the ISO policies ... personal and commercial for coverage ... or not.
ISO HO-91 or HO-2000:
Off premises power failure IS found under the Section I General Exclusions that start with very ominous language: The HO-91 states:
1. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.
The ISO HO-2000 states:
A. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.
The actual exclusion reads the SAME in both the HO-91 as amended by the HO 01 20
(10/99 edition) and the HO-2000
4. Power Failure
Power Failure means the failure of power or other utility service if the failure takes place off the"residence premises." But if the failure results in a loss, from a Peril Insured Against on the"residence premises," we will pay for the loss caused by that peril.
SO ... we don't want to cover loss due to off premises power failure UNLESS a "normally covered loss" occurs. Let's see ... whether you sold the HO 2, 3, 4,6 ... Frozen pipes is "normally covered."
The exclusion under the HO-3 HO-2000 states for Coverage A and B states:
SECTION I - PERILS INSURED AGAINST
A. Coverage A - Dwelling And Coverage B - Other Structures
2. We do not insure, however, for loss:
c. Caused by:
(1) Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This provision does not apply if you have used reasonable care to:
(a) Maintain heat in the building; or
(b) Shut off the water supply and drain all systems and appliances of water.
However, if the building is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the building for coverage to apply.
For purposes of this provision a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment;
The Exclusion under the HO-3 HO-91 for Coverage A and B states:
a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;
What is "reasonable" care ... or not ...
The fact that an ice storm caused a natural disaster and power lines were down had nothing to do with the insured. The insured had heat on to make sure that pipes didn't freeze and then a situation BEYOND their control caused the lack of heat ... and potential and possible pipe freezing.
Being "unreasonable" is more like turning your heat OFF while on vacation in February to save a few extra dollars. An insured who tries to conserve fuel by not turning heat ON when the temperature is 32 or below could be construed as "unreasonable" under the HO-2000 program.
Is there coverage under a Named Peril HO form?
YES!!! If one has the HO-2 or unendorsed HO-6 .... Named perils ... frozen pipes IS a named peril as long as one uses reasonable care to maintain heat.
The HO-2000 named peril reads as:
14. Freezing
a. This peril means freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance but only if you have used reasonable care to:
(1) Maintain heat in the building; or
(2) Shut off the water supply and drain all systems and appliances of water.
However, if the building is protected by an automatic fire protective sprinkler system, you must use reasonable care to continue the water supply and maintain heat in the "residence premises" for coverage to apply.
b. In this peril, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment.
What about sump pump loss since no power to keep the sump pump going ...
Well, in this case ...if the insured does NOT have the HO 04 95 Water Back up And Sump Discharge and Overflow endorsement then there should not be any coverage. Remember the key to coverage for "off premises power failure" is a RESULTING COVERED loss. Sump pump overflow is NOT a covered loss.
The following is ALSO found under the Section I exclusions ...
3. Water Damage
Water Damage means:
b. Water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment; or caused by or resulting from human or animal forces or any act of nature.
So ... one needs the Water Back UP and Sump Discharge endorsement to be covered. It's about time to re-address this endorsement because the ISO version only gives $5,000 of coverage ... and this has not changed since 1998 when it was first created!
What about those people who lost power and rented hotel rooms, will the HO policy pay for THIS expense?
Well, that could be a problem. Under Coverage D Loss of Use ... a covered loss is required ... making your "residence premises" untenable. Off premises power failure itself is NOT a covered loss. If the wires were ripped from their roof connection and damage occurred ... then Additional Living Expense under Coverage D could apply. Or, if the frozen pipes result causing the "residence premises" to be untenable then Coverage D could apply.
The HO-2000 states (and the HO-91 is similar):
D. Coverage D - Loss Of Use
The limit of liability for Coverage D is the total limit for the coverages in 1. Additional Living Expense, 2. Fair Rental Value and 3. Civil Authority Prohibits Use below.
1. Additional Living Expense
If a loss covered under Section I makes that part of the "residence premises" where you reside not fit to live in, we cover any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living.
Payment will be for the shortest time required to repair or replace the damage or, if you permanently relocate, the shortest time required for your household to settle elsewhere.
But parts of MA and NH were considered Federal Disaster areas!
SO? Are you trying to access the Civil Authority section under Coverage D? I don't think it applies, either.
3. Civil Authority Prohibits Use
If a civil authority prohibits you from use of the "residence premises" as a result of direct damage to neighboring premises by a Peril Insured Against, we cover the loss as provided in
1. Additional Living Expense and 2. Fair Rental Value above for no more than two weeks.
First, being declared a federal disaster area is not the same as MAKING you leave. And, the authorities making you leave has to be due to DIRECT damage to NEIGHBORING premises due to a"peril insured against". So ... again, off premises power failure doesn't fit the bill.
What your insured MIGHT be able to do is contact FEMA regarding financial aid in those areas that WERE considered federal disaster areas.
What about commercial lines policies ... is there coverage?
YES!!!
ISO CP or BOP language ...
The CP 10 30 Special form has a similar exclusion to the HO program. The following policy language applies to building and contents coverage forms
B. Exclusions
1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss.
Utility Services
The failure of power or other utility service supplied to the described premises, however caused, if the failure occurs away from the described premises. Failure includes lack of sufficient capacity and reduction in supply.
But if the failure of power or other utility service results in a Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Cause of Loss.
This exclusion does not apply to the Business Income coverage or to Extra Expense coverage. Instead, the Special Exclusion in Paragraph B.4.a.(1) applies to these coverages.
This policy exclusion language applies to Business Income Coverage Forms
4. Special Exclusions
The following provisions apply only to the specified Coverage Forms.
a. Business Income (And Extra Expense) Coverage Form, Business Income
(Without Extra Expense) Coverage Form, Or Extra Expense Coverage Form
We will not pay for:
(1) Any loss caused directly or indirectly by the failure of power or other utility service supplied to the described premises, however caused, if the failure occurs outside of a covered building. Failure includes lack of sufficient capacity and reduction in supply.
But if the failure of power or other utility service results in a Covered Cause of Loss, we will pay for the loss resulting from that Covered Cause of Loss.
The newest 2008 CP forms ...
ISO's newest revision is revised for the business income exclusion. It will now read the same way as the discussion for building and contents. So again, there WOULD be coverage.
Frozen pipes IS a "covered cause of loss"
Like the HO forms ... there is a discussion of frozen pipes but the exclusion only applies when the insured did not take reasonable care to maintain heat.
g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing, unless:
(1) You do your best to maintain heat in the building or structure; or
(2) You drain the equipment and shut off the supply if the heat is not maintained.
The ISO BOP BP 00 03 ...
Works the same way. It is an exclusion ...that does NOT apply if the insured takes reasonable care to maintain heat.
What about sump overflow problems in commercial lines?
Same issue as in personal lines ... it is a "general exclusion" regardless of cause ...and requires an endorsement to buy back coverage.
What about loss of business income because there was no power, is that covered?
Sorry, no cigar. Both the ISO CP 00 30 Business Income Form (with Extra Expense) as well as the Business Income coverage in the ISO BOP states:
We will pay for the actual loss of Business Income you sustain due to the necessary "suspension" of your "operations" during the "period of restoration". The "suspension" must be caused by direct physical loss of or damage to property at premises which are described in the Declarations and for which a Business Income Limit of Insurance is shown in the Declarations. The loss or damage must be caused by or result from a Covered Cause of Loss. With respect to loss of or damage to personal property in the open or personal property in a vehicle, the described premises include the area within 100 feet of the site at which the described premises are located.
Until the pipes freeze causing a business shutdown there is no DIRECT PHYSICAL loss to property. When the DIRECT PHYSICAL LOSS happens ...it must be a "covered cause of loss".
AAIS forms ...
I don't have the AAIS forms handy ... but from what I remember ... those forms WOULD cover pipes freezing due to unavoidable circumstances.
Companies who write their own ...
Who knows ...but if they want ANY business at all ... this SHOULD be covered ... just look at the language. If it reads like ISO ...t hen there is coverage.
SHAME, SHAME, SHAME ...
on any company that would consider denying frozen pipe claims due to off premises power failure ... the policy language does NOT support such an absurd denial.
After being without power for a substantial amount of days ... is NOT the time to misinform your clients ... and misread the policy!!
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As usual, if I can be of service to you, please call me, Irene Morrill, Vice President of Technical Affairs at 800.870.7091 or ... BETTER YET ... email me at imorrill@massagent.com. You can fax me at 508.634.2929 (but if you fax me, PLEASE email or call me to TELL me that you have faxed me - I am NOT in the office every day).
This article has been developed expressly for the members of MAIA. Reprint by other than members without the express permission of the author is not permitted.
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Massachusetts Association of Insurance Agents
Professionalism Through Independence
Copyright © 2008
91 Cedar Street - Milford, MA 01757
Phone: (508) 634-2900 - (800) 972-9312 - Fax: (508) 634-2929
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