Local Experts. Familiar Faces.
Welcome to insurance done right.

We’re the insurance provider more local residents and businesses trust. To help earn this trust, we provide the right coverage to fit your exact needs. You get expert, licensed agents who are there when you need them, and you also work with one person – “your person” – throughout the entire process. And, as a division of MountainOne Bank, we’re as committed to the community as you are.

Our claims department is in-house, which means we’re always on your side. With one point of contact and expert agents who walk you through the process every step of the way, we’re committed to providing the right coverage and smoothest service.

All of our account managers and sales team are licensed, which ensures you receive the highest level of expertise and advice. We understand the discounts that are available to you throughout the various stages of your life.  We also partner with ten companies which gives you the power to shop a multitude of companies through our one agency! 

It all adds up to coverage, price, and service second to none. Our expert team can help you secure the right coverage for:

  • Your home or condominium
  • Automobiles
  • Mobile Home, Boats, & Motorcycles
  • Your toys, including Classic Cars, ATVs & Snowmobiles
  • Life, Long-Term Care, & Disability Insurance

Contact Us today to get started!

We’ll help you find the right coverage for your needs.

Call us at
800-447-2732
today.

Request a quote

Report a claim

Our Claims Department is here to help you through the claims process.

Contact Us

Local experts. Familiar faces.
Welcome to insurance done right.

At Coakley, Pierpan, Dolan & Collins, we pride ourselves on being your insurance advisor as well as your community partner. It’s this unique combination that helps us know you better and inspires your trust. Working with us, you always get a licensed agent dedicated to finding the coverage that’s right for you.  That’s what makes us a trusted choice for insurance.

We know that every business is different and so are its needs. With our staff of experts, we partner with you to find the insurance solutions that protect you against the unique risks that your business faces.  We pride ourselves on providing you with Piece of Mind.

So whether you need Property, General Liability, Equipment, Builder’s Risk, Commercial Auto or Workers Compensation coverage, you can trust that our experienced agents will simplify the complexities of purchasing insurance while making sure you’re correctly covered.

Our expert team can help you secure the right coverage for:

  • Business Property
  • General Liability
  • Surety & Commercial Bonds
  • Products & Completed Operations Liability
  • Workers Compensation
  • Business Automobile
  • Commercial Umbrella
  • Professional Liability
  • Buy-Sell & Business Continuation
  • Group Benefits

Contact Us today to get started!

We’ll help you find the right coverage for your business needs.

Give us a
call today at
800-447-2732

Request a quote

Report a claim

Our Claims Department is here to help you through the claims process.

Contact Us

Construction & Commercial Surety Experts

Surety is a business centered on relationships and trust.

Do you consider your bonding agent to be one of your most trusted business advisers?

Your agent is your company’s voice to the surety market, and your conduit to procure work. It’s important to have the right adviser speaking on your company’s behalf, helping you analyze and understand your financial statements, and working with you to create a bonding program that best aligns with your business plan.

Our company understands the intricacies of the complex bonding industry and has the expertise to put together the most competitive bonding packages available in the marketplace.

For decades, Coakley, Pierpan, Dolan & Collins, a Division of MountainOne Bank, has been a leader in providing Surety Bonds and related risk management services to businesses and individuals in the local market, and to clients across the country. From small transactional commercial bonds to the largest construction bonding needs, we have you covered.

Contact Us today to find out how we can help your business!

We’ll help you find the right coverage for your business needs.

Give us a
call today at
800-447-2732

Request a quote

Report a claim

Our Claims Department is here to help you through the claims process.

Contact Us

More than anything, today's executives, business owners and HR decision-makers desire one characteristic from an Employee Benefits strategy: Simplicity.

True North, in partnership with Digital Benefit Advisors (DBA), offers innovative employee benefits solutions to simplify your health care journey. Our goal is to provide you with a cutting edge approach to employee benefits. 

Through a sophisticated technology platform, DBA delivers affordable solutions with a personal touch.  Our Compliance Advantage service offers you peace of mind that your organization is in compliance with Health Care reform. Simplified onboarding, HR and reporting technology provides an administrative solution to your biggest human resource headaches. This combined with the expert knowledge of our Customer Advocate Center helps you navigate the complexities of health networks’ billing procedures, claims reimbursement, and more.

Digital’s Healthy U service provides employers with customized workforce health programs created in alignment with high-performing benefit plans. Each Healthy U plan includes access to an executive workforce health consultant.

In partnership with DBA, we are focused on finding new and improved ways to deliver the five things that matter most to our customers:

  • Lower costs
  • Best benefits possible
  • Healthier employees
  • Help with compliance and healthcare reform
  • No administrative headaches

 Let our benefits experts help you achieve your strategic goals and navigate this ever changing benefits landscape.  Contact us today.

 Learn more about Digital Benefits Advisors.

Learn more about our employee benefits tailored to your specific business needs.

Contact a Benefits Consultant

Employee Group Benefits

  • Health Plans
  • Disability Plans
  • Dental Plans
  • Life Plans
  • Vision Plans

You deserve MORE!

Check out the self-service protection programs and services available through the “MORE Store”!
Apply online quickly and easily for these services, and gain added peace of mind.

Legal
Services


Finding an affordably priced lawyer to assist you can be a challenge. Now, there’s an easy solution. This plan covers you, your spouse and dependents, and is a convenient and cost-effective way to receive advice and fully covered legal services.

Click to learn more and shop now!

Emergency Travel
Assistance


Whether its medical care in London or a toboggan for transport down Mt. Kilimanjaro, this plan provides global emergency medical assistance services, for travelers who find themselves in need more than 100 miles from home.

Click to learn more and shop now!

Event Liability
Insurance


This plan protects you from financial loss if you are held legally responsible for property damage to the venue or bodily injury to someone injured at your event.

Click to learn more and shop now!

Dental
Insurance


This plan offers low-cost, comprehensive dental coverage to individuals of all ages.

Click to learn more and shop now!

Veterinary
Discount Plan


Every year, thousands of pet families take advantage of this plan. It’s a great value that can save pet families money every year.

Click to learn more and shop now!

Travel & Concierge
Service


With the discounts available through this plan, you can save on travel products and services, such as hotel and car rental, roadside  assistance, 24/7 travel concierge service, and more.

Click to learn more and shop now!

 

Plans provided through Renaissance Alliance Insurance Group

Our Team

Insurance Management Team


Jonathan Denmark, LIA, CLTC, CISR, CLCS

President & COO
Insurance Division


Holly Taylor, RHU, LIA

President
Group Benefits Division


Bill Robinson

Senior Vice President
Insurance Division


Donna Bishop, CIC, CPIW, CISR, CRM

Vice President
Insurance Division


Grace Gray

Vice President
Insurance Division

 

 

Bonding Services & Business Insurance


Eric Pratt

Vice President
Bonding


Linda Febles, CPIW, CRIS

Vice President
Business Insurance


Diane Wojcik, CISR

Account Executive & Branch Manager
Business Insurance

 

Group Benefits


Jean Stone, LIA, CEBS, GBS, CMS

Vice President
Group Benefits Division


Brian Drake, MBA

Vice President
Group Benefits Division

 

 

Personal Insurance | Claims | Life, Disability & Long-Term Care


Debbie Baker, CISR

Account Executive
Personal Insurance


Erin Palmer

Claims Representative
 


Sharon Coe, ACS, LIA, CLTC

Account Executive
Life, Disability & Long-Term Care

 

Group Benefits News

Three Not-So-Obvious Advantages of Utilizing an HRIS for Benefits Management

By Courtney Calabrese, Senior Advisor, Digital Benefit Advisors Chicago

A Human Resource Information System (HRIS) is an information system or managed service that provides a single, centralized view of the data that a human resource management or human capital management group requires for completing HR processes. In other words, it’s a tool that organizes all of the data pertinent to the HR function.

The HRIS is all the rage in HR and benefits management lately, and for good reason. It’s a game changer for simplifying and organizing the life of busy HR professionals and benefits administrators. The versatility and functionality is vast, but for purposes of keeping this article manageable, my focus will revolve around employee benefits.

The fact is we live much of our lives online, and the benefits world has lagged behind. Larger organizations have been making the digital transition over the past few years and it’s now becoming a standard for every organization, regardless of size.

There are a multitude of benefits to an HRIS, including the drastic reduction of paperwork, the autonomy for employees to manage their own benefits, online filing systems, and more.

However, it is the lessor thought about capabilities that get me excited. Sometimes, it’s knowing the day-to-day responsibilities that will improve that make all the difference when considering an HRIS.

1.       Online Enrollment Improvements for Multi-Plan Options and/or Age Rated Plans

As benefit costs have escalated, many employers have turned to an increased number of plan offerings. That, along with the advent of ACA age rated plans, has made presenting options to employees cumbersome and even confusing. When a plan is age rated, an employer is forced to break it down for employees and dependents individually (a massive undertaking especially with multiple plans involved) or provide a table in which employees must figure out their own contributions, which has its own pitfalls.

HRIS to the rescue! Individual employee and dependent contributions are calculated and presented by the system with no additional time investment on the part of HR or benefits administrators.

2.       ACA Compliance Features and Reports

Not only has ACA made benefits administration more complicated and burdensome for organizations, it also carries the threat of hefty financial penalties for non-compliance. Here is how an HRIS system can help:

  • Applicable Large Employer (ALE) Reporting – The information that needs to be reported is built into the system. Many systems can also produce the forms at a minimal charge depending on the company’s needs and the HRIS platform selected.
  • Variable Hour Employee Tracking
  • Proof of Health Coverage and Offer of Coverage (for those that decline)
  • Proof of Required Documents and Notifications Distribution – The system can be used to furnish notifications and track that they are opened and digitally signed. Excellent audit protection!

3.       Data Reporting Capabilities

An HRIS system contains considerable amounts of employee and plan data, all of which can be retrieved in the form of reports. Do you see the possibilities? Fellow Excel lovers, rejoice!

Let me provide some examples of how this can make life easier:

  • Imagine an open enrollment in which every employee must choose a new plan. Now imagine all of those changes and subsequent payroll deductions are easily uploaded in excel. Better yet, imagine you can import that into the format your payroll company requires so the process is seamless.
  • Worried about aged out dependent children on your plan? Click one button and there they are.
  • Quoting out a new line of coverage that requires salaries, occupations and zip codes? You can produce that in a minute.
  • Want to see which plans employees trended toward based on contributions in the past 3 years? It’s all there and easily accessible.
  • How about Total Compensation Statements? That’s one click as well.

Recently, an administrator was concerned that HMO employees were assigned to incorrect PCPs. With one download, we had the list to audit. Just use your imagination and the information is easily available to you.  

This is just a small segment of how an HRIS can modernize and revolutionize the way you administer your company benefits. When you add additional HR functionality to the mix, it’s something you really can’t afford not to consider!

 

Personal Insurance News

Getting Married? What You Need to Know About Wedding Insurance and Other Financial Considerations

Getting married? There’s a lot you need to think of both before and after the wedding, but in all the planning, one of the things that is often overlooked is your insurance needs. Have you notified your insurance agent about your plans? He or she can be one of your best friends! For example, as a couple, you may be eligible for auto discounts or a savings on health insurance. You may also want to secure life insurance, and should be sure to change the beneficiaries on any key insurance or savings plans that you do have. The Insurance Information Institute (III) offers a handy checklist of insurance considerations for married couples.

You should also ask your agent about wedding insurance to protect your investment in the big day, particularly if you are planning a big celebration. Wedding insurance is a type of special event insurance designed to provide financial protection for various problems that could arise, such as the need to cancel or postpone due to weather or natural disasters. Check our our MORE Store for information on event insurance. III says:

“Most policies also provide coverage for cancellation due to the death, illness or serious injury of key participants in the event, such as members of the immediate family. Also, if an officiant, such as a minister or rabbi, or a key vendor, like the caterer, florist or photographer, does not show up, you can recover some of the costs.”

Different insurance companies offer special coverage that you can add on, such as protection for gowns, gifts and honeymoons.

Of course, insurance is only one of the things you need to think about. You need to know your state law. Below is a very helpful 2-part guide to getting married in Massachusetts … it offers a great breakdown of things you need to plan both before and after the wedding. While laws vary by state, the MA Guide offers a simple checklist for some of the common issues and responsibilities people need to consider and address, no matter where they live. We’ve also included links to laws for other states.

Getting Married in Massachusetts

Part 1: What you need to do before the wedding

  • Who Can Get Married in Massachusetts?
  • Who Can Conduct a Wedding in Massachusetts?
  • Where Can We Get Married in Massachusetts?
  • What Paperwork Do We Need to Get Married in Massachusetts?

Part 2: What you need to do after the wedding

  • Getting Proof of Your Marriage
  • Changing Your Name and Getting a New ID
  • Filing Taxes After You Get Married
  • Marriages Outside of Massachusetts

Marriage laws in other states

 

Business Insurance News

Developing a Small Business Disaster Recovery Plan

Businesses that are forced to close down following a disaster run the risk of never being able to open their doors again. While there’s no way to lower the risk of a natural disaster like a hurricane, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate insurance are keys to recovery.

Develop a Disaster Recovery Plan

No matter how small or large a business, a business impact analysis should be developed to identify what an operation must do to protect itself in the face of a natural disaster. Large corporations often hire risk managers to handle this task and some companies hire consultants with expertise in disaster planning and recovery to assist them with their plans. But small businesses can do the analysis and planning on their own.

Steps for Developing a Business Recovery Plan

  • Set up an emergency response plan and train employees how to carry it out. Make sure employees know whom to notify about the disaster and what measures to take to preserve life and limit property losses.
  • Write out each step of the plan and assign responsibilities to employees in clear and simple language. Practice the procedures set out in the emergency response plan with regular, scheduled drills.
  • Compile a list of important phone numbers and addresses. Make sure you can get in touch with key people after the disaster. The list should include local and state emergency management agencies, major clients, contractors, suppliers, realtors, financial institutions, insurance agents and insurance company claim representatives.
  • Decide on a communications strategy to prevent loss of customers. Post notices outside your premises; contact clients by phone, email or regular mail; place a notice in local newspapers.
  • Consider the things you may need initially during the emergency. Do you need a back-up source of power? Do you have a back-up communications system?
  • Human Resources. Protect employees and customers from injury on the premises. Consider the possible impact a disaster will have on your employees’ ability to return to work and how customers can return to your shop or receive goods or services.
  • Physical Resources. Inspect your business’ plant(s) and assess the impact a disaster would have on facilities. Make sure your plans conform to local building code requirements.
  • Business Community. Even if your business escapes a disaster, there is still a risk that it could suffer significant losses due to the inability of suppliers to deliver goods or services or a reduction in customers. Businesses should communicate with their suppliers and markets (especially if they are selling to a business as a supplier) about their disaster preparedness and recovery plans, so that everyone is prepared.
  • Protect Your Building. If you own the structure that houses your business, integrate disaster protection for the building as well as the contents into your plan. Consider the financial impact if your business shuts down as a result of a disaster. What would be the impact for a day, a week or an entire revenue period?
  • Keep Duplicate Records. Back-up computerized data files regularly and store them off-premises. Keep copies of important records and documents in a safe deposit box and make sure they’re up-to-date.
  • Identify critical business activities and the resources needed to support them. If you cannot afford to shut down your operations, even temporarily, determine what you require to run the business at another location.
  • Find alternative facilities, equipment and supplies, and locate qualified contractors. Consider a reciprocity agreement with another business. Try to get an advance commitment from at least one contractor to respond to your needs.
  • Protect computer systems and data. Data storage firms offer offsite backups of computer data that can be updated regularly via high-speed modem or through the Internet.

Review Your Insurance Plan

Make sure you have sufficient coverage to pay for the indirect costs of the disaster—the disruption to your business—as well as the cost of repair or rebuilding. Most policies do not cover flood or earthquake damage and you may need to buy separate insurance for these perils. Be sure you understand your policy deductibles and limits.

New additions or improvements should also be reflected in your policy. This includes construction improvement to a property and the addition of new equipment.

For a business, the costs of a disaster can extend beyond the physical damage to the premises, equipment, furniture and other business property. There’s the potential loss of income while the premises are unusable. Your disaster recovery should include a detailed review of your insurance policies to ensure there are no gaps in coverage. Your policy should include business interruption insurance and extra expense insurance. Even if your basic policy covers expenses and loss of net business income, it may not cover income interruptions due to damage that occurs away from your premises, such as to your key customer or supplier or to your utility company. You can generally buy this additional coverage and add it to your existing policy.

Basic Commercial Insurance to Consider

  • Building Coverage provides coverage up to the insured value of the building if it is destroyed or damaged by wind/hail, or another covered cause of loss. This policy does not cover damage caused by a flood or storm surge nor does it cover losses due to earth movement, such as a landslide or earthquake, unless added by endorsement.
  • Business Personal Property provides coverage for contents and business inventory damaged or destroyed by wind/hail, or another covered cause of loss.
  • Tenants Improvements and Betterments provides coverage for fixtures, alterations, installations, or additions made as part of the building that the insured occupies but does not own, which are acquired and made at the insured's expense.
  • Additional Property Coverage provides for items such as fences, pools or awnings at the insured location. Coverage limits vary by type of additional property.
  • Business Income provides coverage for lost revenue and normal operating expenses if the place of business becomes uninhabitable after a loss during the time repairs are being made.
  • Extra Expense provides coverage for the extra expenses incurred, such as temporary relocation or leasing of business equipment, to avoid or minimize the suspension of operations during the time that repairs are being completed to the normal place of business.
  • Ordinance or Law provides coverage to rebuild or repair the building in compliance with the most recent local building codes.

Coakley, Pierpan, Dolan & Collins and True North Financial are wholly owned subsidiaries of MountainOne Bank.
Fixed insurance products and services offered through CES Insurance Agency, Inc. or True North Insurance Agency, Inc.