Wishing You All a Season Filled with Joy and Gratitude

As the year draws to a close and the holiday season sparkles around us, all of us at Lallis & Higgins Insurance want to take a moment to express our heartfelt appreciation for you—our amazing customers. It’s thanks to your continued support, trust, and partnership that we are able to do what we love every day, and for that, we are truly grateful.

The holiday season is a special time for reflection, gratitude, and togetherness. Whether you’re celebrating with family, friends, or embracing some well-deserved relaxation, we hope your days are filled with warmth, laughter, and memories that last a lifetime. Your choice to support our business means the world to us, and we are honored to be a part of your community.

This year, we achieved many exciting milestones and tackled new challenges—none of which would have been possible without your loyalty and collaboration. We are continually inspired to improve, grow, and serve you better each day.

Our Holiday Hours

To allow our team to celebrate the holidays with their loved ones, our business will observe special holiday hours. Please check our website or contact us for details, and we’ll be happy to assist with any needs before or after the festivities.

Thank You and Happy Holidays!

From our entire business family to yours, we wish you a very happy holiday season. Thank you for being such an integral part of our journey. We look forward to serving you in the coming year and beyond.

Your Guide to Magical Winter Activities in the Bay State

The holiday season in Massachusetts transforms the Commonwealth into a sparkling wonderland of lights, traditions, and community gatherings. Whether you’re a lifelong resident, a recent transplant, or just visiting, there’s an abundance of festive activities to enjoy. Here’s a curated list of top things to do around Massachusetts to make your holidays bright and memorable.

1. Marvel at Glittering Light Displays

ZooLights at Stone Zoo (Stoneham): Experience a dazzling winter wonderland as Stone Zoo is illuminated with thousands of twinkling lights, whimsical animal-themed displays, and visits from Santa.

Bright Nights at Forest Park (Springfield): This drive-through holiday light show is one of New England’s largest, featuring delightful themed sections and displays to enjoy from the comfort of your car.

La Salette Shrine Christmas Festival of Lights (Attleboro): Stroll through 300,000+ lights, folk art nativities, and enjoy hot chocolate at this beloved, free-admission spectacle.

2. Enjoy Historic Holiday Strolls

Boston’s Beacon Hill Holiday Stroll: Wander candlelit cobblestone streets adorned with wreaths, carolers, and window displays in one of Boston’s most picturesque neighborhoods.

Old Sturbridge Village Christmas by Candlelight: Step back in time with 19th-century holiday traditions, horse-drawn rides, chestnut roasting, and a magical tree lighting every evening.

3. Ice Skating and Outdoor Winter Fun

Boston Common Frog Pond: Take part in a classic Boston winter activity by lacing up your skates at this iconic outdoor rink, surrounded by the twinkling city skyline.

Cranmore Mountain Resort (North Conway, just over the border): For ski enthusiasts, day trips to the Berkshires or nearby resorts offer scenic slopes, tubing, and cozy après-ski spots.

4. Holiday Markets and Craft Fairs

SoWa Winter Festival (Boston): Peruse stalls of artisan gifts, gourmet treats, and unique holiday decorations, all in a festive indoor-outdoor market atmosphere.

Harvard Square Holiday Fair (Cambridge): Discover one-of-a-kind handmade crafts, jewelry, and artwork—perfect for everyone on your gift list.

5. Experience Performing Arts and Seasonal Shows

The Nutcracker by Boston Ballet: A holiday classic performed at the Citizens Bank Opera House, perfect for a family tradition or a festive night out.

Holiday Pops by the Boston Symphony Orchestra: Sing along to holiday favorites and enjoy a jubilant performance in beautiful Symphony Hall.

6. Festive Food & Drink Experiences

Holiday Afternoon Tea (Boston’s Taj Hotel or Fairmont Copley Plaza): Warm up with seasonal teas, pastries, and finger sandwiches in elegant surroundings.

Cozy Inns & Restaurants: Book a special meal at a historic New England inn or enjoy festive cocktails and comfort food at local favorites throughout the state.

Don’t Forget: Small-Town Celebrations

From Nantucket’s Christmas Stroll to Stockbridge’s Main Street at Christmas (replicating a famous Norman Rockwell painting), small towns across Massachusetts host parades, caroling, and unique local events that capture the true spirit of the holidays.

Shoveling snow can be good exercise when done correctly. But taking on more than your body can handle or ignoring signs that you need to take a break may prove harmful.

To ensure you stay injury-free as you clear driveways and sidewalks, here are some tips for safe snow shoveling:

Be heart conscious.

If you have a history of heart problems and are physically inactive, it’s best to consult with your health care team before starting heavy exercise like shoveling. In addition, don’t shovel while smoking, eating or right after consuming caffeine since this may place extra stress on your heart.

Dress for the weather.

Wear several layers of clothing. You can remove a layer if needed. Avoid wearing cotton next to your body. If you perspire, it can become damp, and you'll get chilled. Protect your hands, feet and face since these are common areas for frostbite. Wear a hat that covers your ears and a scarf to protect your lower face. Mittens are generally warmer than gloves.

Drink plenty of water.

Remaining hydrated during cold-weather months is just as important as during warm-weather months. Drink water or sports drinks before, during and after your shoveling session, even if you're not thirsty.

Warm up.

Before beginning to shovel, stretch your arms, legs, shoulders and back. You're less likely to injure muscles and joints when they're warmed up.

Shovel snow while it's fresh.

Freshly fallen snow is lighter than snow that has started melting or has been moved by a plow.

Watch out for ice.

There may be ice under the snow. Be careful, so you don’t slip, fall and injure yourself. Learn how to walk like a penguin on icy surfaces.

Take it slow.

Pace yourself and take breaks if you need to. Safety is more important than speed.

Protect your back.

Bend at the knees, not the back when lifting the shovel. Lift with your legs bent, stand with your feet hip-width apart for balance and keep the shovel close to your body. Also, don’t pick up too much snow at once. Consider using a smaller shovel or filling a larger shovel no more than halfway.

Beware of shoulder strain.

Shoveling snow can place a lot of strain on your shoulders. Lifting and throwing heavy piles of snow or hitting hard ice hidden beneath the snow can result in shoulder damage. Lifting too much snow can aggravate arthritis or further injure a worn rotator cuff. vListen to your body.

This is the No. 1 snow shoveling tip. If something doesn't feel normal or you’re tired, it’s time to stop. Go inside, warm up, rest and drink water, tea or coffee. Reevaluate how your body feels before picking up where you left off.

Be careful around machinery.

If you use a snowblower or plow, be especially cautious around moving parts and sharp edges. Be sure the equipment is turned off before clearing any snow jams. Keep children and pets away while you're operating machinery.

Have your phone handy.

If you're experiencing an emergency, call 911 immediately.

Stay safe while shoveling, and enjoy the exercise and being outside on a brisk winter day.

Source: mayoclinichealthsystem.org

In Massachusetts, we certainly experience periods of severely cold weather and are susceptible to snow and ice storms—extreme conditions that can inflict considerable damage on homes and create liability risks. Standard homeowners policies will cover most disasters that result from a freeze—but coverage often depends on whether the home’s heating was properly maintained.

Here’s how to minimize potential risks.

If you've prepped your house for the winter weather, you're ahead of the game. When the temperature drops, here are a few more steps to take.

Inside the house

• Keep your house heated to a minimum of 65 degrees. A temperature lower than 65 degrees might not keep the inside walls from freezing. Many insurance policies require maintaining heat to help prevent frozen pipes, and the temperature inside walls where pipes can be colder than the air in your rooms.
• Check the location for the main water shutoff in your home. And how it works. Quick access can limit damage if a pipe bursts.
• Open hot and cold faucets enough to let them drip slowly. In severely frigid temperatures, keeping water moving within the pipes will help prevent freezing.
• Check that fireplaces, wood stoves and electric heaters are working properly. Make sure there are no combustible items near the heat sources and watch them closely, especially the first time in the season you use them.
• Keep your fireplace flue closed when you’re not using it.
• Ask a neighbor to check the house regularly any time you're away. Quick detection of frozen pipes or leaks can significantly reduce damage. For extended absences, consider having a professional drain your water system—including pool plumbing if applicable—to prevent freezing or bursts.

Outside the house

• The weight of snow could damage your roof. Backed-up gutters might allow water to seep into your house. Vigilance is key during severe weather—stay ahead of the potential hazards outside your home.
• Keep sidewalks and entrances to your home free from snow and ice. You don't want anyone to slip and fall.
• Watch for ice dams near gutter downspouts. Ice dams can cause water to build up and seep into your house. Clear gutters of leaves and debris to allow runoff from melting snow and ice to flow freely.
• Run your swimming pool pump at night when the temperatures are expected to go below freezing. This will keep the water flowing through the pipes.
• Keep your garage doors closed. This will prevent weather damage to whatever's stored in there. Plus, if your garage is attached to your house, the home entrance door from the garage is probably not as well insulated as an exterior door so this will keep more heat in.
• Double check for dead, damaged or dangerous tree branches and have them removed. Even if they looked sound earlier in the year, trees can be affected by ice, snow or wind. When stressed, branches can fall and damage your house or car, or injure someone on or near your property.

Source: iii.org