Back to School, Back to Safety

Insurance Tips for Families and Businesses This Fall

Quincy, MA – August 2025 – As summer winds down and the kids head back to school, life in Quincy and across the South Shore starts to shift gears. New routines, changing schedules, and increased activity in neighborhoods and business districts bring fresh opportunities—but also new risks. Whether you’re a parent, a business owner, or both, August is the perfect time to review your insurance coverage to ensure you’re ready for the busy months ahead.

For Families: Protecting Your Home and Loved Ones

1. Teen Driver Preparedness
Back to school often means more time behind the wheel for teen drivers—whether it’s driving to class, sports practice, or after-school jobs.

• Review your auto insurance to ensure proper coverage for young drivers.

• Ask your DPS Insurance agent about good student discounts and safe driver programs that can help lower premiums.

• Make sure your teen understands school zone rules, speed limits, and distracted driving laws.

2. Home Safety While You’re Away
With parents back at work and kids home alone after school, it’s important to minimize risks:

• Install smart locks and security cameras.

• Update your homeowners insurance to reflect new electronics, laptops, and devices purchased for schoolwork.

• Review your liability limits in case of accidents on your property.

3. Personal Property Protection
Back-to-school shopping often means investing in expensive gear.

• Laptops, tablets, and sports equipment may be covered under your homeowners or renters policy—but only to certain limits.

• Talk to your DPS agent about scheduled personal property coverage for high-value items.

For Businesses: Staying Ready for the Seasonal Shift

1. Adjusting for Increased Foot Traffic
Cafes, convenience stores, and small retail shops near schools often see a bump in business this time of year.

• Review your general liability policy to ensure you’re covered for slip-and-fall claims and other incidents.

• Double-check that your workers’ compensation coverage is up to date for seasonal hires.

2. Vehicle and Delivery Risks
If your business involves transportation—like catering, deliveries, or mobile services—be mindful of changing traffic patterns and school zones.

• Confirm your commercial auto insurance covers all drivers and vehicles.

• Evaluate whether higher liability limits are worth the added protection.

3. Program and Event Liability
After-school programs, sports leagues, and youth organizations often ramp up in September.

• If your business or nonprofit works with minors, ensure you have proper liability insurance.

Why August is the Best Time for a Policy Review

Before the school year kicks into full swing, carve out time for a quick insurance check-up. Life changes—like a new teen driver, an expanded business, or a new home office—can leave gaps in your coverage. A 20-minute call with your DPS Insurance agent could prevent costly surprises down the road.

Ready to Review Your Coverage?

At DPS Insurance, we specialize in helping Quincy and South Shore families and businesses protect what matters most. Our local expertise means we understand the risks you face—from busy school zones to unpredictable New England weather.

Don’t wait until an accident or claim to find out you’re underinsured. Contact DPS Insurance today to schedule your back-to-school insurance review and start the fall season with confidence.