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Michaud, Rowe & Ruscak Insurance Associates, Inc. | North Andover Massachusetts
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ACA Compliant Coverage

ACA Compliant Coverage

by Michaud Rowe & Ruscak Insurance | Education, Insurance

The Affordable Care Act (ACA, also known as Obamacare) ushered in numerous new health insurance regulations. We often hear health coverage described as being “ACA-compliant,” but what does that mean? ACA compliance is required for most types of health coverage, but...
Pool Safety Tips for a Fun Summer

Pool Safety Tips for a Fun Summer

by Michaud Rowe & Ruscak Insurance | Education, Insurance, Safety, Tips

Let’s go SWIMMING!  We are excited to spend summer in the water! Whether you’re at a lake, beach, or your own backyard pool, learning how to keep kids safer around water is an important responsibility for any parent or caregiver.   Drowning is the leading cause...
Outside Home Maintenance Tips

Outside Home Maintenance Tips

by Michaud Rowe & Ruscak Insurance | Home, Insurance, Safety, Tips

The sun is starting to shine and outdoor spring maintenance is right around the corner. It’s important to maintain your home to prevent wear and tear. To keep your home structurally sound and safe, ready your home with these maintenance and prevention tips. Pick...
What is Cyber Insurance and Why Do You Need it?

What is Cyber Insurance and Why Do You Need it?

by Michaud Rowe & Ruscak Insurance | Insurance

Cybersecurity insurance is a new and emerging industry. It has its origins in errors and omissions (E&O) insurance, a separate form of insurance that protects against faults and defects in the services a company provides. E&O insurance is analogous to product...
Can I Buy Life Insurance on My Elderly Mom or Dad?

Can I Buy Life Insurance on My Elderly Mom or Dad?

by Michaud Rowe & Ruscak Insurance | Insurance

If your parents don’t have an insurance policy or the funds to pay their own way in their later years, you can buy life insurance for your parents yourself, assuming they’re on board and can qualify for coverage. Supporting your aging parents up until and...

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