Category: Tips

Electronic Bicycles, also called e-bikes, have become increasingly popular in the US following COVID among drivers for delivery apps, like Uber Eats, and for commuters looking for an alternative to mass transit. They have found e-bikes to be a cost-effective form of transportation. While these bikes are zippy, they have a history of malfunctioning batteries that riders should be aware of!

According to Consumer Reports, between December 2021 and December 2022,, 202 fires were attributed to the lithium-ion batteries used to power e-bikes and similar transportation devices (like e-scooters) in New York City alone. These batteries, when poorly constructed, are left charging too long, are overcharged, or are over used can catch fire or explode, spreading the fire faster.

What can you do to lessen the chance of fire?

• Use the right charger: Always use the charger that came with your e-bike, and avoid using chargers from other brands. Additionally, make sure to follow the manufacturer’s instructions for charging your battery.
• Monitor the battery: Keep an eye on the battery while charging and do not leave it unattended for long periods. Also, avoid overcharging the battery or leaving it on the charger for too long.
• Proper storage: Store your e-bike in a dry and cool place, away from direct sunlight, and flammable materials. Also, avoid storing the bike in extremely cold or hot temperatures, as this can damage the battery. Try storing it in a detached structure if possible and avoid placing it at or near a doorway that could be blocked in the chance it does ignite.
• Regular maintenance: Maintain your e-bike regularly and have it serviced by a qualified technician as needed. This includes checking the wiring and connectors for signs of damage or wear.
• Use high-quality batteries: Invest in high-quality batteries from reputable manufacturers, as they are less likely to fail and are generally more reliable. Be mindful and refrain from the use of aftermarket batteries. Use the batteries manufactured by or approved by the e-bike manufacturer.
• Do not modify the bike: Avoid making any modifications to the bike’s electrical components or battery, as this can increase the risk of fire.
• Check for recalls: Keep up-to-date with any recalls related to your e-bike’s battery or electrical system, and have any necessary repairs or replacements done promptly.
• In the case of fire: Try to move the e-bike out of and away from the building as a lithium-ion battery fire can be extremely dangerous and difficult to extinguish.

Like any other vehicle, e-bikes also come with their own set of risks that may require insurance coverage. Here are some potential insurance risks to consider:

• Accidents: If you get into an accident while riding your e-bike, you may be liable for any damages or injuries you cause to others. You may also suffer injuries that require medical attention or damage your e-bike. Therefore, it’s essential to have liability insurance to cover any damages or injuries you may cause.
• Theft: E-bikes are a popular target for thieves because they are expensive and relatively easy to steal. To protect against theft, you may want to consider comprehensive coverage or adding theft coverage to your policy.
• Vandalism: Your e-bike may be vandalized, which can cause damage and require repairs. Comprehensive coverage can help cover the cost of repairs in this situation.
• Damage from natural disasters: Natural disasters like floods, earthquakes, and hurricanes can cause damage to your e-bike. Comprehensive coverage can help cover the cost of repairs or replacement in such cases.
• Personal injuries: E-bikes can travel at high speeds, and accidents can cause serious injuries. Personal injury protection (PIP) insurance can help cover medical expenses, lost wages, and other costs associated with personal injuries.

It’s important to note that insurance requirements for e-bikes may vary by state. It’s best to consult with your Quincy Mutual agent to determine the insurance coverage that best suits your needs. If you’re not a Quincy Mutual client yet, find your closest agent here.

Did you know that Quincy Mutual offers Equipment Breakdown & Service Line coverages for homeowners? These coverages are very affordable solutions to some pretty expensive problems.

𝗘𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗕𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

Equipment Breakdown protects you in the event of Mechanical, Electrical, or Pressure System breakdowns from televisions to security systems to pools and much more!

A single power surge could short-circuit the appliances in your kitchen; imagine paying for a replacement stove, refrigerator, dishwasher and microwave! What if your appliances are smart appliances? The cost could get out of hand quickly! This coverage would help pay to replace these items for you.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗟𝗶𝗻𝗲 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

If you thought the utility lines on your property were covered under your standard homeowners insurance or that it’s the city’s responsibility to pay for repairs to these, you are mistaken. Water pipes, gas lines, cable lines, sewer lines- all cost thousands of dollars to repair or replace if needed!

Service Line coverage protects you if there is damage to underground piping, wiring, valves or attached devices that connect a home to a public utility service provider or private system!

You can find an interactive link that explains more about these coverages here. You can also contact your local Quincy Mutual Group agent with questions or to add this coverage to your homeowners policy. If you’re not a Quincy Mutual client yet, find your closest agent here.

We’re officially in one of the most dreaded winter weather months — February. Historically, this month is infamous for heavy storms, frozen roadways, and the risk of dangerous conditions. In the coming days we know it is likely that temperatures will drop drastically. As you prepare for the cold, brush up on these safety tips.

Staying Warm and Avoiding Frostbite

• Dress warmly in several layers of clothing—wear boots, gloves, or mittens and a hat when going outside.
• Limit time outside for infants as they lose heat quickly.
• Make sure to protect your pets and ensure they are not exposed to extreme temperatures.
• Use the “buddy system” to monitor your physical reaction to the cold if you are going to be outdoors for an extended period of time.

Preparing your home

• Sealing any drafts if the first step to keeping the inside of your home warm and the cold weather out. Doors and windows can leak heat 24/7, but weather-stripping will give you an added layer of protection.
• Ensure all windows, storm windows and doors are closed; add insulation to prevent drafts.
• Maintain consistent temperature in the home greater than 65 degrees.
• Open cabinets and doors under sinks or where plumbing exists.
• Turn off water to outside faucets and spickets, and open valves to let them drain. Allow hot and cold faucets in kitchen and bath to drip or single control faucet in the middle. Know the location of your water shut off valve for your home. If a pipe freeze does occur, call a plumber, and keep the faucet open when thawing to allow water to flow. If a plumber is not available, gradually warm the pipe to restore flow.
• Make sure your fireplace, chimney, and furnace are all working properly in order to keep your home safe while heating it.
• Close your fireplace flue when you are not using it.
• Check current oil level, order fuel if necessary.
• Insulate exposed pipes (both hot and cold), especially under house, with foam insulation.
• Clean your gutters to avoid ice forming in them. Keep a roof rake on hand and clear excessive snow from the roof to prevent ice dams and avoid collapse if excessive amounts of snow fall.
• Reverse your ceiling fans to help distribute heat through the house.
• If a generator is used as backup, confirm it is operational and fuel is secured and stored properly.
• Check on your elderly neighbors.
• Check on any secondary or rental exposures to utilize the same loss prevention techniques as noted above.
• Have some important essentials in your home as a Winter Preparedness Kit in the case that you may need them:
  • Flashlights and batteries
  • Battery operated radio
  • Bottled water
  • Medications and first aid kit
  • Blankets, warm clothes, and heating alternatives
  • Non-perishable foods.

Preparing your vehicle

• If you can, fill up your gas tank.
• Make sure you have the proper tires for icy conditions.
• Having some important essentials in your car as well is also key:
  • Jumper Cables
  • Flashlight
  • First Aid Kit
  • Shovel
  • Ice Scraper
  • Warm Clothes
  • Hand Warmers
  • Blankets

Preparing your business

• Freezing temperatures could force businesses to close down for several days. Investing in generators can help to ensure businesses will have constant power.
• The ability to make arrangements to allow employees to work from home can help keep businesses operating if commuting becomes unsafe. If your employees still have to drive, remind them to take additional caution due to the winter weather. Drive slowly, give extra time to stop and change direction, bridges can be icy when other road surfaces are not, do not use cruise control during slippery conditions.
• It is always helpful to ensure that there is adequate business coverage, including loss of business income, to help in the case of these events.
• Here are some additional important things to note on winter preparation for your business:
  • Ensure the thermostat is set to at least 55 degrees Fahrenheit in all areas to keep pipes from freezing.
  • Turn off water to outside faucets and spickets, and open valves to let them drain. Allow hot and cold faucets in kitchen and bath to drip or single control faucet in the middle. Know the location of your water shut off valve for your home. If a pipe freeze does occur, call a plumber, and keep the faucet open when thawing to allow water to flow. If a plumber is not available, gradually warm the pipe to restore flow.
  • Open cabinets and doors under sinks or where plumbing exists.
  • Review winter storm contingencies and have alternative power options like generators.
  • Set expectation with employees and keep them informed.
  • If you are a landlord, you may want to send the information regarding preparing your home to tenants to keep them and the property safe as well.
  • Follow weather updates.
  • Add ice melt to sidewalks and periodically clear them to keep up with snow accumulation.
  • Add non-slip mats and fans for water removal by building entrances.
  • Hire a snow/ice removal service.
  • Repair any defects in sidewalks and walkways.
  • Inspect building insulation.
  • Add new tires to the business auto fleet.
  • Stay up to date on vehicle maintenance.
  • Maintain the roof of your building.