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Mass. House approves updates to insurers insolvency fund

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Mass. House approves updates to insurers insolvency fund


BOSTON, Mass. (SHNS)–Massachusetts residents and businesses would secure stronger protections if their property and casualty insurance carriers end up going bankrupt, under a bill gaining late-session momentum on Beacon Hill.

Without debate, the House last week quietly passed a bill (H 4772) that aims to update parameters for an insurance social safety net fund, created by the Legislature in 1970, and raise the caps on property and casualty claims that have not been revised in decades. The Senate sent the redrafted bill, originally sponsored by Rep. Daniel Cahill, to the Senate Ways and Means Committee on Monday.

The bill would ensure that the Massachusetts Insurers Insolvency Fund aligns with a framework promoted by the National Association of Insurance Commissioners in 2009, said Barbara Law, who administers MIIF and is the CEO of Guaranty Fund Management Services. The bill also clarifies that MIIF covers cybersecurity insurance claims.

“The Massachusetts version of the statute was one of the oldest in the country — it has not been updated from time to time over the years,” Law told the News Service. “So there are a lot of opportunities to bring current best practices from other states to Massachusetts, plus an opportunity to increase the cap for coverages. So individuals, particularly on the property side, we would be able to ensure that there was enough coverage allowed by the law so they would have a greater likelihood of having the entirety of their claims covered.”

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Weather-related events in recent years have caused property insurance insolvencies in Louisiana, Florida and South Carolina, she said.

“We wanted to be prepared if those insolvencies started to have a greater effect on Massachusetts, and we also wanted to make sure that if we start to experience that type of weather up here, that we were prepared,” Law said. “So it really is about preparedness. We wanted to make sure that our law was in shape to make sure that it afforded enough coverage for the residents in Massachusetts.”

The bill would boost the existing claims cap, such as for car accidents and environmental cases, from $300,000 to $500,000, a level already enacted in Connecticut and Rhode Island, according to testimony Law sent to the Financial Services Committee co-chairs last fall. The new limit would not apply to workers’ compensation claims, which do not have a cap and are paid by the fund for life, Law said.

Aiming to provide a safety net for Massachusetts home and property owners, the bill also proposes a $1 million cap for residential or commercial property, a policy that Law said was implemented in California after a wildfire caused an insurer to go bankrupt.

“We do recognize that Massachusetts has high reconstruction values for property, so we recommend a $1 million limit for property claims just to ensure that we keep pace with the time,” she said.

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All insurance companies that are licensed to provide property and casualty coverage in the commonwealth are members of MIIF, and they contribute to the fund to help pay out claims, according to GFMS.

The Massachusetts Association of Insurance Agents supports the bill, particularly the special real property cap provision due to the “increased severity and frequency of these claims,” said CEO Nick Fyntrilakis. In written testimony, Fyntrilakis warned Massachusetts is “currently disadvantaged compared to other states” that have embraced updated insurance policies.

“This bill would enhance benefits to Massachusetts residents affected by insurer insolvencies and reduce costs to the property and casualty insurance guaranty fund framework in the Commonwealth with no tax increases or increased appropriations if enacted,” Fyntrilakis said. He added, “These updates are much-needed and, in some instances, long-overdue.”

Law said MIIF, which is regulated by the Division of Insurance, has paid roughly half a billion dollars in claims to policyholders throughout its history when small and large insurance companies were insolvent. Workers’ compensation claims have largely driven activity in the fund, though Law said MIIF has also seen bursts of activity tied to insolvencies from asbestos-related claims in the late ’80s and early ’90s and the aftermath of the 9/11 terrorist attacks.

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How many people in Massachusetts are using AI right now? What data shows

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How many people in Massachusetts are using AI right now? What data shows


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One in three Massachusetts residents use generative AI tools such as ChatGPT and Claude, according to Microsoft data.

Generative AI can create words, music, pictures, or videos, based on user prompts. For example, if you type a prompt asking for a fictional story, the AI tool will generate a passage with a setting, characters, and plot.

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About 33.4% of working-age residents in Massachusetts use these tools, placing the state 11th in the U.S., according to Q1 2026 data. Hampshire County, home to the Five College Consortium, has the highest AI usage rate, at 45.1%.

Microsoft found that counties with more employment in professional and technical services, corporate management, healthcare, information and media, and finance tend to have higher AI usage. Additionally, counties with larger shares of residents ages 18 to 24 tend to have higher levels of AI usage.

Counties with larger shares of workers in manufacturing, agriculture, mining, oil and gas, and construction tend to have lower AI usage, according to Microsoft.

The figures are based on anonymized Microsoft usage data and adjusted for differences in devices, operating systems, internet access, and population size.

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Top Massachusetts counties by generative AI usage

Here are Massachusetts’ 14 counties ranked by generative AI usage in Quarter 1 of 2026, and how they rank nationally, according to Microsoft:

  1. Hampshire County – 45.1% of residents (#28 nationally)
  2. Middlesex County – 37.9% of residents (#118 nationally)
  3. Suffolk County – 35.6% of residents (#191 nationally)
  4. Norfolk County – 34.3% of residents (#233 nationally)
  5. Worcester County – 33.5% of residents (#265 nationally)
  6. Plymouth County – 32.9% of residents (#283 nationally)
  7. Essex County – 30.8% of residents (#385 nationally)
  8. Bristol County – 28.2% of residents (#553 nationally)
  9. Hampden County – 27.1% of residents (#645 nationally)
  10. Barnstable County – 25.5% of residents (#790 nationally)
  11. Berkshire County – 24.7% of residents (#878 nationally)
  12. Nantucket County – 24.1% of residents (#937 nationally)
  13. Franklin County – 23.8% of residents (#961 nationally)
  14. Dukes County – 15.4% of residents (#2,450 nationally)

Top states by generative AI usage

Here are the 50 states ranked by generative AI usage in Quarter 1 of 2026, according to Microsoft:

  1. Maryland (24 counties) – 36.3% of residents
  2. Utah (29 counties) – 35.7% of residents
  3. Texas (254 counties) – 35.3% of residents
  4. Virginia (133 counties) – 34.7% of residents
  5. New Jersey (21 counties) – 34.5% of residents
  6. Nevada (17 counties) – 34.2% of residents
  7. California (58 counties) – 34.0% of residents
  8. Connecticut (9 counties) – 34.0% of residents
  9. Georgia (159 counties) – 33.7% of residents
  10. Florida (67 counties) – 33.6% of residents
  11. Massachusetts (14 counties) – 33.4% of residents
  12. Illinois (102 counties) – 33.3% of residents
  13. New York (62 counties) – 32.7% of residents
  14. Rhode Island (5 counties) – 32.5% of residents
  15. Colorado (64 counties) – 32.3% of residents
  16. Washington (39 counties) – 32.2% of residents
  17. Arizona (15 counties) – 31.4% of residents
  18. Hawaii (5 counties) – 30.6% of residents
  19. Delaware (3 counties) – 30.6% of residents
  20. New Hampshire (10 counties) – 30.2% of residents
  21. North Carolina (100 counties) – 30.1% of residents
  22. South Carolina (46 counties) – 29.1% of residents
  23. Oklahoma (77 counties) – 28.9% of residents
  24. Idaho (44 counties) – 28.8% of residents
  25. Kansas (105 counties) – 28.6% of residents
  26. Tennessee (95 counties) – 28.5% of residents
  27. Oregon (36 counties) – 28.4% of residents
  28. Ohio (88 counties) – 28.3% of residents
  29. Wisconsin (72 counties) – 28.2% of residents
  30. North Dakota (53 counties) – 28.2% of residents
  31. Michigan (83 counties) – 27.4% of residents
  32. South Dakota (66 counties) – 27.4% of residents
  33. Alabama (67 counties) – 27.3% of residents
  34. Pennsylvania (67 counties) – 27.2% of residents
  35. Indiana (92 counties) – 26.8% of residents
  36. Missouri (114 counties, 1 independent city) – 26.8% of residents
  37. Nebraska (93 counties) – 26.4% of residents
  38. Minnesota (87 counties) – 26.3% of residents
  39. Louisiana (64 parishes) – 26.1% of residents
  40. Arkansas (75 counties) – 26.0% of residents
  41. Wyoming (23 counties) – 25.5% of residents
  42. Kentucky (120 counties) – 25.1% of residents
  43. Iowa (99 counties) – 24.4% of residents
  44. New Mexico (33 counties) – 23.9% of residents
  45. Alaska (19 organized boroughs, 1 unorganized borough) – 23.6% of residents
  46. Vermont (14 counties) – 23.3% of residents
  47. Mississippi (82 counties) – 22.9% of residents
  48. Montana (56 counties) – 22.7% of residents
  49. Maine (16 counties) – 21.4% of residents
  50. West Virginia (55 counties) – 20.8% of residents

Clare Mulroy of USA TODAY contributed to this report.



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Cheers! Mass. House passes proposal to extend bar hours to 3 a.m. during World Cup, putting bill on fast track. – The Boston Globe

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Cheers! Mass. House passes proposal to extend bar hours to 3 a.m. during World Cup, putting bill on fast track. – The Boston Globe


The legislation, first filed by state Representative Carole A. Fiola, would enable — but not require — bars and restaurants with liquor licenses to sell alcohol an additional hour past current closing times, starting Monday through July 31, albeit with the blessing of local licensing boards.

House lawmakers scaled the language back from the original bill, which had proposed allowing the later last call through Aug. 31.

“Summer 2026 presents a unique opportunity for Massachusetts,” Fiola, a Fall River Democrat, told lawmakers ahead of their vote Thursday. “While we may refer to it as soccer, football is the world’s most popular sport. . . . This bill will help capture economic opportunity.”

Pushing back last call has gained a drumbeat of support in recent weeks among leaders, including Mayor Michelle Wu, Governor Maura Healey, and state Senate President Karen Spilka, who have said the bill would help local businesses benefit from an expected surge of visitors for the World Cup matches at Gillette Stadium in Foxborough.

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In Rhode Island, whose border is less than 30 miles from the stadium, Governor Daniel J. McKee signed a similar bill into law last week. Kansas, Missouri, New Jersey, Pennsylvania, and Washington — states either hosting World Cup matches or geographically adjacent to those hosting the tournament — have also approved measures to extend alcohol sales hours.

Wu has said city officials have been preparing for late-night crowds regardless of whether the bill passes, noting that some World Cup matches and related festivities are expected to run late into the evening. The city is, for example, allowing businesses that are licensed to close at 1 a.m. to apply for temporary permits to extend their hours to 2 a.m.

“The question isn’t whether it will cause people to be out and about,” Wu said. “It’s whether people will have something fun to do that also supports our local economy.”

The support marks a notable shift among legislators who have long been resistant to boozy measures. A repeated proposal to end a 40-year ban on happy hours has faced an uphill battle on Beacon Hill.

“Massachusetts has a persistent fun problem,” said state Senator Julian Cyr, a Provincetown Democrat who has proposed lifting the ban on happy hours in the last two legislative sessions.

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“We’re an outlier in how restrictive we are with alcohol consumption,” he added. “In Massachusetts, you can gamble to your heart’s desire and buy cannabis legally. Why can’t we have happy hour or later last call?”

The Massachusetts Restaurant Association, which represents about 1,800 restaurants, said the short trial period for the later last call allows bar operators to try something new, according to the association’s president Steve Clark.

“Why not?” he said. “Rarely do you get the opportunity to pilot things.”

Among those excited to test the waters is Oran McGonagle, who can see the FIFA Fan Festival at Boston City Hall from his perch at the Dubliner, which the Irish native owns and operates.

McGonagle said the Dubliner has already added a back patio to expand capacity, complete with 15 brand-new televisions, food, and bar service. Fans coming from other countries will expect later service, he said, and he is excited to welcome visitors.

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“Anything that is pro-bar, pro-getting people energetic, I’m all about,” McGonagle said. “And anything positive toward bars and nightlife might open the door for something to happen in the future.”

Runners from the Lunge Run Club end their three-mile run at the Dubliner in July 2025.Danielle Parhizkaran/Globe Staff

George Aboujaoude, owner of Committee in the Seaport and Eva on Newbury Street, is a 30-year nightclub industry veteran who also ran Bijou Nightclub and HUE Boston.

He said the industry has, for years, asked for later last call. He recalled being told that the city doesn’t have the infrastructure to support it, even when Boston hosted the Democratic National Convention in 2004.

Aboujaoude said he would consider pursuing the later license at Eva, but not at Committee, which is already open until 2 a.m.

“Extending hours can create additional revenue and opportunities,” he said. “I’d love Boston to become more open to business.”

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Aboujaoude and others, however, are approaching the idea with caution. They note the liabilities that come with serving people who have been out drinking all day. MBTA service also ends around 1 a.m., leaving employees and patrons alike to find alternative ways home late at night.

Bartenders around Boston have also lamented the possibility of their shifts dragging deeper into the night.

“When you are serving drinks after midnight or 1 a.m., you are serving the people who have more than they should have had already. You open yourself up to liability,” said Chris Lute, owner of the bar, Miracle of Science, in Cambridge.

He said that while he supports an operator’s right to decide how late they stay open, a 3 a.m. last call “is not appealing to me.”

Nick Stoico of the Globe staff contributed to this report.

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Samantha J. Gross can be reached at samantha.gross@globe.com. Follow her @samanthajgross.





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Karen Read files lawsuit against Massachusetts State Police and Canton Police

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Karen Read files lawsuit against Massachusetts State Police and Canton Police


Karen Read has filed a lawsuit against the Massachusetts State Police Department and the Canton Police Department.

The Bristol County woman was acquitted last year of the murder of her boyfriend, Boston Police Officer John O’Keefe.

Her lawsuit accuses both departments of trying to conceal “an imbedded culture of bigotry, misogyny, systemic failures, and institutional rot at the very core of both organizations.”

Read weeps as the final verdict of not guilty of second-degree murder is read in Norfolk Superior Court, Wednesday, June 18, 2025, in Dedham, Mass. (Greg Derr/The Patriot Ledger via AP, Pool)

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The lawsuit blames the culture of both departments for violating her constitutional rights and caused her immense harm, according to the lawsuit.

The court documents mentions MSP Detective Michael Proctor and CPD Sergeant Sean Goode’s recorded messages as examples that they were “virulent bigots whose hatred for anyone and everyone different from themselves permeates their every actions.”

The lawsuit says the officers were not fit to hold their role and investigate a homicide investigation against Karen Read.

Those investigators and their colleagues conducted a “fundamentally conflicted and corrupt investigation” against her.

Read is seeking an award for her damages.

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The full lawsuit can be read above.



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