Parts of the country have been hit with record-breaking snowfall this year, and although towns have consistently reminded residents to clear the snow from their walkways, who can keep up? Between the blizzards and the melting and freezing, it’s tough to keep up with all of the necessary shoveling and ice clearing.

But what if you skipped a day and someone out walking their dog hits a patch of ice and slips and falls on your property? Your homeowners insurance should cover their injury. Most insurance policies carry a no-fault medical provision that would come into play if a pedestrian was injured. This provision does not require anyone to prove that the homeowner was at fault.

The reason for this is that a slip and fall on snow or ice is notoriously difficult to prove. Snow falls, ice melts and freezes, and unless the injured person takes a picture of your sidewalk at the time of his injury, there’s no proof that your sidewalk was hazardous. In addition, people who live in snowy climates are expected to take some responsibility for themselves. Anyone out walking their dog after a blizzard in frigid temperatures should be on the lookout for hazards -- after all, they appear quickly!

As long as the homeowner took reasonable action to make their property safe, which includes shoveling, not scraping every inch of ice from their walkway, the no-fault medical provision will cover those injured in slip and fall accidents. 

J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices. 

J.K. Olivieri Insurance Agency, Inc.
64 East Grove Street
Middleboro, MA 02346
Phone: 508-947-1818
Phone: 508-580-0781
FAX: 508-946-1162

Hours: 8:00am - 4:30pm M-F


Due to the COVID 19 virus we will be closing our office to the public for on site visits.  Our staff will be available daily from 8:00 to 4:30pm.  Sorry for any inconvenience and stay safe!

 You can contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Holiday Hours:    

02/07/20      Presidents Day                Closed

05/25/20      Memorial Day                  Closed

07/03/20      Independence  Day         Closed

09/07/20       Labor Day                       Closed

10/12/20       Columbus Day                Closed

11/25/20       Thanksgiving                   Closing at 3pm

11/26/20        Thanksgiving                  Closed

11/27/20        Thanksgiving                   Closed