Motor Vehicle

• Auto Insurance
  Commercial auto insurance (also called commercial car insurance, business auto insurance, or commercial vehicle insurance) is coverage intended to pay for losses involving cars, trucks, vans, and other vehicles that operate while doing business.
• Motorcycle Insurance
  We offer car, truck, or motorcycle insurance quotes in Massachusetts, with all the available discounts applied, for you and your family. Learn More
• Boat Insurance
  Protect your sailboat, powerboat or luxury yacht with watercraft insurance that works proactively to ensure smooth sailing. Learn More
• Inland Marine Insurance
  In addition to these coverages, surety bonds and inland marine insurance may also be required by contract. Surety bonds provide financial protection in case of contractor default or failure to meet contractual obligations, while inland marine insurance provides coverage for goods and materials transported over land, such as tools and equipment.
• Truck Insurance
  Commercial truck insurance covers tractor trailers, cargo vans, trucks, and more. Generally, if a vehicle has a gross vehicle weight (GVW) of over 26,000 pounds, that vehicle could be covered under commercial truck insurance. It may also cover trucks and tractor trailers over 33,000 pounds that operate in multiple states and conduct interstate commerce. Although not as common, any vehicle with a company logo may be eligible for truck insurance.

Property

• Renters Insurance
  Renter’s insurance covers a renter’s personal property and can help replace items that are affected by a loss. Renter’s policies cover events like fires, storms, hail, smoke damage, water and pipe leaks, theft, vandalism, and more.
• Home Insurance
  Home insurance is one of those things most people never think about–until they need it. And while we won’t pretend it’s the world’s most fascinating reading material, we do think there are a few key topics every Massachusetts homeowner should understand. So, click through this list of FAQs as you need them, or take a few moments to brush up on your Home Insurance 101 right now. You might uncover something worth discussing with your agent.
• Condo Insurance
  We recommend that every Massachusetts resident living in a condo has a condo policy. Although it’s not required by Massachusetts law, most condo associations will require you to have coverage. When considering condo insurance carriers, it’s important to know what’s included — and what’s not, such as upgrades to internal units including doors and windows, falls, or other accidents outside the condo.
• Landlord Insurance
  As a landlord in Massachusetts, your rental property is an ongoing investment that requires ongoing protection. Landlord insurance — also known as rental property insurance — is a special type of insurance coverage for those who rent out residential properties, including single-family houses, townhomes, apartments, or multi-unit dwellings. This type of insurance protects your rental properties while also providing personal liability coverage.

Health and Life

• Life Insurance
  Seven out of ten small businesses (71%) are “very dependent on one or two key people” for their organization’s success. Yet only 22% have key person life insurance in place, according to research conducted by the National Association of Insurance Commissioners. What exactly is the other 50% missing? And might your business be facing this same gap? Here’s a closer look...
• Health Insurance
  As the Massachusetts Division of Insurance explains: “Some pet health insurance policies may reimburse covered medical expenses for accidents, illnesses, surgeries, X-rays, prescriptions, hospitalizations, emergencies or cancer treatments. Other plans may only cover accident and illness. Decide how much coverage you want your pet to have and know whether there is a waiting period before coverage becomes effective and whether your pet needs a health exam to qualify for the policy.”
• Disability Insurance
  When it comes to disability insurance for a key man or woman, the amount of the monthly benefit is strictly based on the key man’s income. You can’t purchase more than 66% of that employee’s monthly income. The only variables that an employer can adjust are 1.) the length of time for which you want the benefit paid (5 years, 10 years, up until age 65, etc.) and 2.) the waiting period that exists until the benefit kicks in (30 days, 60 days, 90 days, 180 days, etc.).

Business

• Business Insurance
  But arborist and tree trimmer business insurance is not a one-size-fits-all proposition. Whether you focus on land clearing, disease management and diagnostics, insect control, trimming and pruning, or all of the above, it’s important to work with an agent who understands your company’s unique coverage needs — and has access to a premier specialty program. Our arborist insurance program is designed specifically for arboriculture professionals, offering more competitive rates and more optimal terms than you’re likely to find elsewhere.
• Commercial Property Insurance
  Commercial property insurance helps cover direct physical loss of or damage to property due to a covered cause of loss. This includes buildings, furniture, signage, inventory, equipment, or other property within or directly around the described premises. It may also cover repairs, and replacement of damaged, or stolen property. There are three main coverage options...
• Workers Compensation Insurance
  MA workers comp is a state-required insurance coverage that every business owner must carry. In Massachusetts, a workers compensation system exists to ensure that all workers are protected in case they are injured at their workplace or suffer a job-related illness. The Massachusetts Department of Industrial Accidents (DIA) oversees the entire system and related laws. The WCRIBMA (a private, nonprofit org) issues Massachusetts’ worker classification codes, associated rates, and experience modification factors for individual companies. WCRIBMA also administers the state’s assigned risk pool (a.k.a. “the pool”)—a residual market for businesses that cannot purchase workers comp from voluntary carriers.
• Commercial Liability Insurance
  In Massachusetts, commercial liability vehicle insurance is mandatory. You cannot drive your business vehicle (or get it registered, for that matter) without maintaining the required levels of protection.
• Professional Liability Insurance
  We all make mistakes. For business owners, some of these can be expensive. That’s where Professional Liability insurance, commonly known as Errors & Omissions (E&O) insurance, comes into play. Read more about who needs this coverage and why.
• Builders Risk Insurance
  General liability is an important coverage for builders and contractors, just as it is for most other types of businesses. Sometimes specified as a CGL (or “commercial general liability”) policy, this coverage protects against bodily injury, third-party property damage (i.e. other people’s stuff), and allegations of false advertising, libel, or slander. Often used interchangeably with “builders risk” insurance, general liability is NOT the same thing. Both serve a unique purpose (see more on builders risk below), and sometimes both are essential coverages–especially if your company works on ground-up, new construction projects.CGL policies can be complex. If they’re not properly reviewed, the insertion of certain “forms” can exclude important, assumed coverages. For builders and contractors, a few examples of hidden exclusions include damage to “your work”, injury to subcontractors, and classification limitations which restrict coverage to just “your line of work.”

Personal

• Liability Insurance
  General liability insurance provides the protection you need as a business owner. Paying for claims out of pocket can set you back thousands of dollars and seriously impact your finances and future plans, which is one of the reasons why having the right type of general liability coverage is so important.
• Pet Insurance
  Pet insurance in Massachusetts is important because are a number of reasons why you may have to unexpectedly take your pet to the vet or emergency room...

Natural Disaster

• Flood Insurance
  Great question. It’s definitely worth asking an agent to provide you a quote. And we’re not just saying this drum up more flood insurance business. The fact is, in recent years, more than 40% of flood insurance claims came from properties outside high-risk areas. Floods can happen anywhere in Massachusetts. Doesn’t hurt to ask about adding this coverage.
• Earthquake Insurance