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Transportation and Delivery During and After the COVID-19 Pandemic

11/30/2020

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The economic shifts resulting from the COVID-19 pandemic likely mean that your business has changed; it may have shrunk or grown substantially since the onset. This may mean changes in operations, staffing and transportation schedules, all of which may change again as social distancing restrictions ease and your business returns to a new normal. Whether you transport cargo or have employees driving regularly for work, some adjustments are likely as you respond to the crisis and adapt to new ways of doing business.

Engaged Employees

One of the most important things you can do is to engage your employees in the process of restoring operations. Review employee standard operating procedures (SOP). As needed, update procedures, including your employee handbook. Provide training to employee groups on new SOP and include supervisors in the training. Reinforce any new SOP through ongoing supervisory communication and utilize existing corrective action programs to ensure compliance. Consider organizing a COVID response committee, which can help connect management and employees to gather feedback on coordinating both reopening and future concerns.

Your Facility 

Before operations ramp up, make sure you review any instructions or requirements from state or local authorities that may be applicable to your business. If reopening, you may want to consider a thorough disinfection of your facility and any tools, vehicles or equipment that are used by your employees. Be sure to include desks, washrooms and break rooms. Product to be delivered may need to be sanitized as well. Consider establishing a program to continue an ongoing cleaning and disinfecting process.
Consider a process for wellness checks and procedures for employees reporting or displaying signs of illness. Work with legal counsel to make sure you are complying with laws and regulations related to employees' health and privacy. Develop social distancing and personal protective equipment (PPE) policies, taking into consideration state and local public health guidance and overall employee safety.
Consider limiting visitors to your facility.

Driving and Transportation

Just as it is important to disinfect your facility, be sure to clean and disinfect all vehicles. This includes cleaning between shifts and drivers. Make disinfecting supplies available to your drivers and vehicle maintenance staff, and stock these supplies in every vehicle.
Your pool of drivers has likely changed since the onset of the COVID-19 pandemic. If commercial drivers were furloughed or laid off, review the hiring requirements from the Federal Motor Carrier Safety Administration (FMCSA) to determine if new applications or drug and alcohol testing are required. Many organizations are revisiting hiring decisions made during the COVID-19 pandemic to ensure new drivers meet company hiring standards.
Carefully review staffing levels as your operational pace increases. While it may be tempting to try to do more with fewer drivers, over time, fatigued drivers can lead to increased motor vehicle crashes and workplace injuries.

Customer or Delivery Sites

Coordinate safe work practices with your customers before beginning deliveries. Ask about changes to delivery procedures or physical controls at locations where you make deliveries. Work with each customer and supplier to establish a new practice that can help limit contact between delivery employees and customers' employees. For example, delivery employees may need access to a safe waiting area or restrooms within a customer's facility. Also, there will likely be a shift to e-signatures over wet signatures for delivery confirmations. Make sure employees are trained in new delivery practices.

Other Considerations

Review routine activities, such as updates to licensing, certification renewals or medical screenings, that may not have been completed as normally required. Revisit any scheduled training or maintenance on vehicles or equipment that may have lapsed.
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​6 Tips for Working From Home With Your Kids During the Coronavirus

11/17/2020

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The juggle of work and home life has taken a different form for those of us who are practicing social distancing recommended by the Centers for Disease Control (CDC) during the coronavirus (COVID-19) pandemic. For working parents of school-age children, this means finding ways to keep children safely occupied while performing their job responsibilities, as they work from home (WFH).

Here are six key tips:

1. Expect Changes in Your Work Schedule

By now, you may have noticed that your typical workday schedule is no longer typical. Younger children will require more hands-on help in getting their day started, while teenagers can be more independent and may even be helpful in managing household tasks while you work. The blending of family and working from home is an opportunity to teach responsibility, even in small doses, so you can tend to the work assignments on your plate.

2. Help Your Kids Establish a New Routine

To differentiate work and playtime, help kids set their own routine. If they’re working on school assignments, having them sit down at the same time each day can help provide structure during this uncertain time. Let them know that you’ll be available for help and set aside specific times for fun activities you can do together.

3. Double-Check Home Safety Measures

If your younger children will be out of your sight at home while you’re working, make sure you’ve taken steps to childproof your home to prevent accidents. After cleaning your home, be sure to store cleaning supplies out of reach of young children. If you have a home security system, set up a notification to alert you when a door or window is opened.
You’ll also want to take care of yourself by making sure your home office is comfortable and organized in a way that helps limit potential problems, such as overuse injuries.

4. Reset Your Expectations

Working from home with kids may impact your ability to focus, particularly in uncertain scenarios like the COVID-19 pandemic. Give yourself permission to adapt your work style, realizing that it may take you twice as long to compile a report or finish a project. Working from home means family needs are perhaps just a room away. Strive for balance by arranging your days to fit in all the important tasks you must attend to for both your family and your job.
If you can take a break on a beautiful day, get out in the yard with your kids. You’ll appreciate the moments of escape spent with your family.

5. Stock Up on Fun and Games

While you’re searching online for paper goods or hand sanitizer, add a few art kits or video games to your shopping cart. Now may even be the time to purchase that new gaming system you planned to buy as a special gift. Set parameters around screen time, but realize there may be instances where a little extra play is okay if your kids are having fun and you’re on the verge of completing a task for work.
You may also want to stock up on craft supplies that can come in handy when you need a quick, easy distraction for your kids in order to give you the time you need to meet an impending work deadline.

6. Trust Your Parental Instincts

You know your kids better than anyone. If they’re struggling to adapt to this new situation, they may require more of your attention right now. This means you may need to find ways to shift around work responsibilities. If you have a partner who is also working from home, maybe you can agree to trade off child care duties to ensure that your family’s needs are being met.

Right now, your main priority could be just making it through the day and keeping your family healthy. But, it’s also important to work and provide for your family’s financial needs. Communicate with your co-workers and managers as you adjust your work-life balance.

Consider Whether Your Insurance Needs Have Changed

If you’re moving to a home-based business or using office equipment at home, you’ll need to understand how this fits into your homeowners policy. If you have any questions or concerns, don’t hesitate to contact your insurance agent.

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Pros and Cons of Buying a House Now

11/17/2020

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When an unexpected natural disaster or state or local emergency interrupts your plans to start house hunting, all is not lost. While opportunities to get preapproved for a mortgage, meet with a real estate agent or tour homes for sale may be on the back burner, there are still ways you can work toward buying your dream home.

Why Making the Move Now May Be Right for You

House hunting during a time when your area or region is shut down can have its benefits. There may be less competition for the houses in the areas where you might be planning to move, and sellers may be more motivated to sell or more flexible on price. Starting your hunt virtually while sheltering in place can be beneficial if you find you have the time to shop online more thoroughly; that extra effort may give you an advantage in finding a home you love within your price range. Once the crisis passes, there may be more house hunters back on the market and prices may escalate due to a more competitive market that benefits sellers rather than buyers, so taking a few steps forward now could be the right move for you.

Get Preapproved for a Mortgage

When you eventually find the home of your dreams, you will want the seller to see you as a serious buyer. To do that, get a mortgage preapproval before you begin house hunting. It may be possible to get preapproved online, so consider looking into that option. Mortgage preapproval is a letter from a lender that indicates how much you are qualified to borrow from the lender, at a specific interest rate.
While it may not be possible to meet with a lender when an emergency situation exists, such as the coronavirus pandemic, you can get your information organized that will help your lender prepare your mortgage preapproval.
  • Check your credit reports and get your credit score. Good credit, such as a FICO score of 620 or higher, will qualify you for a conventional mortgage and lower interest rate.
  • Gather all the information your lender will need to start the mortgage preapproval process: income information (W-2 statements from the last two years and recent pay stubs); asset information (bank statements and investment account statements); and your personal identification.
Once your lender is available to meet with you in person, you’ll have everything necessary to make the mortgage preapproval process go smoothly.

Use This Time to Research the Market

If you are just beginning to look for a home, take time to research the areas where you want to move, the area’s home values and the average selling prices for the type of home you are interested in purchasing. Familiarize yourself with real estate terms and listing abbreviations so you can easily browse listings and focus on the features that most interest you. Finally, ask friends and family for realtor recommendations and check out their credentials and online reviews. Make a short list of real estate agent candidates to interview once you are able to set up interview times.

Virtual Home Viewing

If you were all set to start house hunting only to be disrupted by a natural disaster, state or regional mandates, or even the COVID-19 pandemic, take heart: You can still view houses on the market right from your own home, whenever it is convenient for you. Many real estate agents post virtual tours of properties for sale on their websites and YouTube. When you take a virtual tour or attend a virtual open house, you can get a realistic view of the property. Then, with a click of the mouse, you can see all the details that are important to you. In addition, by touring homes virtually, you can see many more than would be possible in a single day with your real estate agent.

​Find a Representative

Even during these challenging times, there is still much you can accomplish in your quest to find your dream home. If you’re planning to buy a house, you’ll need home insurance. Call Calfee Insurance today for a free quote at 508-540-2601.

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Cleaning and Disinfecting During and After a Pandemic

11/12/2020

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With the ongoing COVID-19 pandemic, it is crucial to review and update policies for cleaning and disinfecting your facility, equipment and vehicles. It is recommended that you increase the frequency of cleaning and disinfecting high-touch surfaces, which may include door pushes, handles, touchpads, elevator buttons, faucets, sinks and electronic devices, as well as common areas, such as entryways, lobbies, hallways and restrooms. The Centers for Disease Control and Prevention (CDC) offers steps for properly cleaning and disinfecting facilities.

​If infected persons have been in your facility, the CDC provides additional considerations:
  • Close off areas visited by the infected persons. Wait 24 hours (or as long as practical) before cleaning and disinfecting.
  • Cleaning staff should clean and disinfect all areas and high-touch surfaces.
  • Additional cleaning/disinfecting may not be necessary if more than seven days have passed since the infected persons have visited or used your facility or vehicles.

How to Clean and Disinfect

Hard (Non-porous) Surfaces

Non-porous surfaces should be cleaned using a detergent or soap and water prior to disinfection.
  • The EPA provides a list of disinfectants for use against SARS-CoV-2, commonly known as coronavirus, the virus that causes COVID-19. This list outlines appropriate contact times (amount of time surface should be visibly wet) and surface types on which approved disinfectants may be used.
  • Note that new cleaning products should be used as instructed, with appropriate personal protective equipment (PPE), such as gloves. Make sure employees are properly educated on how to safely remove and dispose of PPE.
  • Diluted household bleach solutions can be used if appropriate for the surface. Follow manufacturer’s instructions for application, ensuring a contact time of at least one minute and allowing proper ventilation during and after application. Check to ensure the product is not past its expiration date and never mix household bleach with ammonia or any other cleanser as the mixture can create hazardous vapors.

Porous Surfaces

When cleaning and disinfecting soft (porous) surfaces like carpets, drapes and other woven fabrics, first clean these surfaces with soap and water or other suitable cleaners. Avoid shaking drapes to make sure you do not make the virus airborne. Then, if possible, launder these items following the manufacturer’s directions. When laundering items, use the warmest water setting appropriate for the items and dry completely. Otherwise, use EPA-registered disinfectants for SARS-CoV-2 for porous surfaces. 
Electronics
Clean and disinfect electronics regularly, especially if they have been used by an infected person. Electronic devices may include cell phones, tablets, touchscreens, keyboards, remote controls and ATMs. Remember to focus on frequently touched surfaces. When cleaning and disinfecting electronics – both shared and personal – follow the manufacturer’s instructions on appropriate products to use. If there are no cleaning and disinfecting guidelines provided by the manufacturer, consider using disinfectant products such as wipes or sprays with at least 70 percent alcohol.
Non-Emergency Vehicles

Develop and consistently follow cleaning and disinfection procedures for vehicles, with a focus on commonly touched surfaces. Conduct these procedures at the beginning and end of each driver’s shift. Maintain adequate ventilation of the vehicle while cleaning and disinfecting. Refer to the sections on PPE and hand hygiene below.
  • Where visible dirt is present, first use a soap and water solution to clean hard non-porous surfaces within the vehicle. Examples of these surfaces include seats, armrests, door handles, seat belt buckles, light and air controls, doors, windows and grab handles. Following the cleaning, utilize EPA-registered disinfectant products that have qualified for use against SARS-CoV-2, and that are suitable for the material. Follow the manufacturer’s instructions regarding concentration, application method and contact time for all disinfectants.
  • For seats and other porous materials, first remove visible contamination and clean with appropriate products indicated for use. After cleaning, disinfect with EPA-registered products.

Hand Hygiene

Wash or sanitize hands immediately after cleaning and disinfecting, removing gloves or other PPE, or coming into contact with an infected person. To thoroughly wash hands, use soap and water for 20 seconds. When washing hands is not possible, and as long as hands are not visibly dirty, use an alcohol-based hand sanitizer made of at least 60 percent alcohol. Other key times to clean hands are after coughing, sneezing, blowing your nose or using the restroom; prior to preparing food or eating; or after public visits or interactions.

Personal Protective Equipment (PPE)

It is important to develop and implement procedures and policies that address the use of PPE.
  • Require cleaning staff to wear disposable gloves and, in some cases, disposable coveralls/clothing for cleaning and disinfection processes, including handling trash.
  • Ensure PPE materials are compatible with the disinfectant and/or cleaning products being used.
  • Follow manufacturer recommendations for additional PPE requirements.
  • Remove gloves and disposable clothing carefully and dispose of them properly to prevent contamination of the wearer or surrounding areas. Perform hand hygiene following the removal of gloves.
    • For example, wear goggles or face shields in addition to safety glasses if there is a splash risk.
    • Coveralls, aprons or work uniforms can be worn if disposable clothing is not available. Launder washable (reusable) clothing following use and frequently perform hand hygiene after handling laundry.
Additional Considerations for Employers
  • Work with your local and state health departments to ensure you are following appropriate guidance and protocols for COVID-19.
  • Prior to conducting cleaning or disinfecting tasks, develop policies and provide training to staff. Training should cover topics including when to use PPE, what PPE is needed, how to properly put on and remove PPE, and how to properly dispose of PPE.
  • Review the Occupational Safety and Health Administration (OSHA) standards covering Hazard Communication and Bloodborne Pathogens for additional requirements that may apply in your specific case.
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4 TIPS TO IMPROVE YOUR INDOOR AIR QUALITY

11/12/2020

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When was the last time you considered the air quality in your home? It’s easy to forget about something invisible, but like many around-the-house tasks, clearing the air is well worth your effort. 
In the interest of health, safety and keeping your home in good shape, here are a few steps you can take to help your family breathe a little easier.

1. Test for radon gas and install carbon monoxide detectors. 

You can’t see, taste or smell radon and carbon monoxide, but these indoor gases can be dangerous to your health and safety if left undetected. 
  • Have your home tested for radon when buying or selling a house. The EPA has more information on radon testing.

  • Purchase carbon monoxide detectors from any hardware store and install at least one on every floor of your home. If you have a garage, it’s a good idea to put a carbon monoxide detector there, too.

2. Run an air purifier to clear allergens and pollutants.

Improve your indoor air quality by filtering out pollen, dust, pet hair and other irritants. If anyone in your household becomes sick with COVID-19, running an air purifier in their quarantine room may provide some protection from floating virus particles. HEPA air purifiers can also help remove smoke particulates during wildfires.  


3. Use a dehumidifier.

Is your home prone to dampness? Keep your humidity level under 50% to prevent mold growth. Run a dehumidifier (and clean it regularly) as well as the exhaust fan in your bathroom(s) after every shower.

​4. Follow these daily best practices.
In addition to testing and equipment purchases, these simple habits can help maintain your indoor air quality: 
  • Open windows in each room as weather permits.
  • Run the exhaust fan in your kitchen during and after cooking.
  • Put doormats inside and outside your main entrance. 
  • Consider a “no shoes” rule for inside.
  • Vacuum and dust regularly.
Have questions about your coverage or need to check in? Reach out anytime.

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What should you keep in your car?

11/10/2020

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What should you keep in your car?

Are you taking a road trip this winter? Do you just need an excuse to get rid of all the random stuff that has accumulated in the trunk and backseat?
Here’s a weekend project idea: Clear out anything you don’t need and stock your car with a few actually useful items instead.

Whether you buy a premade emergency kit or gather a few things separately, here’s what to consider tossing into your trunk as a way to stay prepared and safe on the road.
Flashlight or Headlamp

​A light source is great to have when you break down in the dark. With a headlamp, you can keep your hands free while changing a tire or checking under the hood.
First-Aid and Comfort Supplies

Band-Aids and other first-aid tools can be useful anytime, not just in an emergency. A blanket can protect you while on the ground working on your car. It can also provide warmth if your vehicle breaks down in cold weather. If you have kids, water and snacks will come in handy while waiting for a tow truck.
Emergency Tools

Stay safe on the side of the road with reflective triangles, flares, a fire extinguisher and a multipurpose tool like a pocket knife.
Jumper Cables

Keep working jumper cables in your trunk to help revive your own vehicle’s dead battery or someone else’s.
Portable Phone Charger
If your car battery dies, you won’t be able to charge your cell phone in your vehicle’s USB port or cigarette lighter. Keep a functioning portable charger just in case.

Have questions about your coverage or anything else? Reach out and we’ll be happy to help. 

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    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

Testimonials & Endorsements for the Best Insurance Agent on Cape Cod, MA


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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Falmouth Homeport Office - 336 Gifford Street  Falmouth, MA 02540      *      North Falmouth Village Office - 121 County Road  North Falmouth, MA 02556
​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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Photos used under Creative Commons from Dru Bloomfield - At Home in Scottsdale, stepnout
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