Safety Tips for Massachusetts Small Businesses

As a business owner, safety should be your number one priority. To make sure that you always have your safety in mind, here are a few tips that you can use to protect your business, your assets, and your employees:

  • Businesses should be well lit to avoid both prying eyes during non-business hours, and to avoid customers having an accident due to poorly lit areas.
  • Store all important business documents in a safe place. This might include a safe deposit box, or a bolted down safe – just make sure that the place you choose is waterproof, fireproof, and safe from burglars.
  • You can’t be at your business 24/7, but it’s easy to keep an eye on things whenever you want with a security system that includes surveillance cameras.
  • Your employees may have ideas for how to make your workplace safer. Ask for their ideas and implement changes based on their suggestions.
  • Keep emergency plans simple, and keep emergency supplies convenient. These supplies should include the fire extinguisher, first aid kit, and emergency contact list.
  • If your business requires the use of vehicles, make sure that they are serviced regularly, and that they have a great commercial auto insurance

While it is crucial to do everything that you can to protect your business, there is always the chance that something could happen. To make sure that your business can bounce back quickly from an event like a flood, fire, break-in, or another peril, call 617-298-0655 to talk to a Vargas and Vargas Insurance agent about your business insurance policies.

Three Reasons Why You Need Renters Insurance

You would never drive a car without auto insurance, and you should never rent an apartment or a home without the proper renters insurance policy. Here are three reasons why you and your loved ones that rent their living space should make sure that they are always covered by a Massachusetts renters insurance policy:

1. You shouldn’t rely on your landlord for coverage.

Some people believe that their landlord’s insurance will cover them. While it is true that landlords do have insurance, it is a special type of policy that only covers their belongings – typically the structure of the building and any appliances that they own and lend out with the unit (like ovens and refrigerators).

2. Your belongings are probably more valuable than you think.

It’s easy to think at first that your belongings aren’t all that valuable, but think again! If there was a fire, for example, and you lost everything, you would probably spend hundreds of dollars replacing just your clothing – let alone your furniture and electronics.

3. It’s about more than just your possessions.

Renters insurance provides many types of protection. It will cover the replacement cost of your stuff, as discussed above, but it will also cover you for accidents that could occur. For example, most policies will provide coverage if you break a neighbor’s furniture, or if someone sustains an injury tripping on an unsecured rug in your apartment.

If you want to speak to a knowledgeable Massachusetts insurance agent about getting a renters insurance quote, just call 617-298-0655. And at Vargas and Vargas Insurance Agency, we also offer special insurance for people in condos and townhomes. Don’t go unprotected any longer – call our agency for a free insurance quote today.

Happy Presidents Day!

Happy Presidents Day!

Our offices are open today.

“Not in vain has Lincoln lived, for he has helped to make this republic an example of justice, with no caste but the caste of humanity.”  ~George Bancroft

We hope that you are planning a great weekend with your #family and #friends!

Check out all of the goings on in and around #Boston this Presidents Day weekend, Click here

With spring-like temperatures upon us this weekend, please consider reading our blog on how to prevent ice dams. Click here to read our blog.

#HappyPresidentsDay

Fear And Confidence

 

“If every lover was treated like they matter every day, Valentine’s Day wouldn’t be so special.”
-Mokokoma Mokhonoana

I am enjoying a great cup of Brazilian Mogiana coffee locally roasted by our friends at Flat Black Coffee. What are you drinking? Reply below and let me know!

I thought that I would drink this coffee and write a Valentine’s Day message, but nothing has come to me. It’s Thursday and it’s snowing outside, so Instead, I have decided to write about Fear and Confidence.

You remember my message from the past on Fear, and it seems only natural to follow that up by walking through how to build up your Confidence. I can tell you that one of the core element of being successful in business (and in life) is confidence. But you know this – mostly because you know how bad it feels when you lack confidence.

How is your confidence?

It turns out that the more small successes you rack up, the more you’ll feel ready to take on something bigger. You need wins. Believe it or not, I learned this from playing video games with my sons. In most games, the first few minutes are dedicated to teaching you the mechanics. Angry Birds teaches you how to hit a green pig with a bird. Super Mario Brothers teaches you to hop on goombas and break bricks. Pac Man (my all time favorite game) starts out simple and gets more complex.

The real world is a bit more tricky, but you can steal the same mechanics of gaming to build your confidence. When you take on a job, no one gives you an “easy” level when you’re starting out. When you go into business for yourself, it’s often that sense of being “thrown into the deep end.”

However, you are the owner of your experience. You can decide that you want to “level up” the way you do in video games. How? The answer is simple – “wins.”

Confidence runs on wins: More wins = More confidence

Let’s take sales, for example. If you’re in business of any kind, you need more customers. Of this, I have no doubt. So what are you doing right now? Most of the people who read this newsletter are wondering just how much blogging, Tweeting, Snapchatting, and Facebooking they have to do to get a customer. You’re probably losing faith. Your confidence is dipping.

Instead of getting down, make some small wins for yourself. Here are a few examples of tasks that will create these wins to boost your confidence:

  • I’m going to make 10 specific “asks” to 10 different people who might be the right fit for what I sell. The WIN is that you ask, not whether they buy.
  • I’m going to write a sales letter by Monday afternoon. The win is that the letter is written.
  • I’ll send that letter Tuesday (another win).
  • I’ll follow up in personalized emails. I’ll make sure I do 20 a day. Another win.
  • I am going to call 10 of my past clients today, and see how they are doing (don’t start thinking that they will be upset, it’s too long since I last called, etc. Here’s a secret – people think a lot less about us than we think they do).
  • Everyone that I meet I will FROG (ask about their Family, Recreation, Occupation and Goals).
  • I will add to my referral network (if you need help doing this, I’d love to help)
  • I will get at least one more sale this week than I did last week. Win.

See what I’m doing? Take the bigger task and break it down a bit. Find what will constitute a victory and accomplish it. Stack up more and more of those and you’ll see your confidence rise.

This is true of everything you want to accomplish. Need to lose 30 pounds? Make a win be going to the gym for 3 days this week. Make another win be drinking one gallon of water every day. Once those little victories start stacking up, you’ll have more confidence to tackle bigger tasks.

Are you scared of public speaking? Start with a blog post. Then a video. Then a free speech to a small group. Then a bigger group, etc.

Set up paths that take you from the simple wins to the bigger ones. Everything works better this way, I promise. The world may not line up neatly, but you, the owner of your destiny (and your fear), can line it up.

Go! Do it now.

And know that you are loved.

PS: Should you know of anyone who has an insurance question or need an honest insurance quote or review, I would be honored if you would keep our agency in mind. Click here

PPS: Here’s what I learned today ” How to spot a fake friend request” Click here

 

Valentine’s Day – Time to Rekindle with Your… Insurance Agent?

When was the last time you had a real ‘heart-to-heart’ with your insurance agent? Even though it may have been a while, now is the perfect time to rekindle your relationship – it is Valentine’s Day, after all!

Did you know that you should talk to your insurance agent at least once a year to ensure that all your policies are up to date, and that you have the right amount of coverage?

As you chat with your agent, you can expect to review all the major changes in your life, including:

  • Changes in relationship status (marriage or divorce)
  • Children being born, starting to drive, or leaving the household
  • Windfalls or (hopefully not) major monetary losses
  • New ‘toys,’ including cars, boats, RVs, and motorcycles
  • Other purchases – like Valentine’s Day jewelry, perhaps?

In addition to updating your insurance policies to reflect the recent changes in your life, your insurance agent will use your annual meeting as a chance to search for any new discounts for which you may qualify. This means that you may come out of your meeting with a decreased insurance premium! Wouldn’t that be nice?

If you’re ready to rekindle your relationship with your Vargas and Vargas Insurance agent, just call 617-298-0655. We can set you up with an appointment and let you know what to bring to get the most out of your meeting. Also bring a list of all your insurance questions – we love to make sure our clients are well-informed about their insurance!

Our Top Tips for First Time Car Insurance Customers

Recently, we’ve had a lot of questions regarding first-time car insurance buyers. Turns out lots of new drivers are going to be on the road soon, and they will be needing top of the line car insurance from the experts here at Vargas and Vargas Insurance Agency!

If you know a teenager that will soon be driving, make sure to share these tips with them, and have them call Vargas and Vargas Insurance Agency at 617-298-0655 for their first car insurance quote!

  • There is a minimum amount of insurance that you need to have, and that is defined by the state in which you live.
  • If you could not easily replace your vehicle with cash on hand, you should probably have extra comprehensive and collision coverage.
  • Insurance policies have a maximum – if you need to make a claim, this is the most that insurance will pay out, and you will be liable for anything above and beyond this number, unless you have umbrella insurance.
  • If you use an independent insurance agent (like Vargas and Vargas Insurance Agency), your agent will comparison shop for you, and make sure that you have great coverage at a low rate.
  • As a teenager, you probably don’t qualify for discounts like home and auto insurance bundling, but there are other discounts that you may get – like for being a good student or taking driver’s ed.
  • Your insurance premiums may seem high right now – that’s because you’re riskier as a new driver. As you age and have more experience behind the wheel, your premium will decrease.

We look forward to speaking to the new drivers in your life about their Boston auto and home insurance options. After all, making sure that the members of our community are educated about the benefits of proper insurance is our goal!

Never Get Locked Out Again!

There isn’t much more inconvenient than finding yourself locked out of your own house. It happens to everyone at some point, so make sure that you are prepared when this situation rears its ugly head with these helpful hints:

Think Twice About Your Hiding Spot

Everyone has seen those fake rocks that hide your key in magazines – and that includes potential burglars! Instead of hiding your key somewhere around your front door, hide it somewhere that’s just as convenient but less obvious. Women can hide a spare key in their pocketbook, men can slip a spare between their phone and the phone’s case, or you can use a wall-mounted key box, like this one from Master Lock.

Have a Key Master

One of the most effective ways to ensure that you don’t get sidelined by a lockout is to give a spare key to someone local that you trust. After all, calling up a neighbor to use your spare will be much less of a headache than calling a locksmith!

Be Prepared for the Worst

In case you do get stuck outside your home without access to your spare keys, make sure that you are prepared. Have all the numbers you need stored in your cell phone for easy access, including a reliable locksmith and the local non-emergency police number.

Hopefully with these tips you will be able to avoid a lockout, or at least be prepared if one happens to you. If you want to be even more prepared, talk to me about getting a home insurance review. Often times, I will see people that don’t have the right coverage or people that are paying too much for the coverage they have. If you want to make sure that you have the right homeowners, automobile or business coverage at the right price, just call Vargas and Vargas Insurance Agency at 617-298-0655.