Motor Vehicle

• Auto Insurance
  If you live in Massachusetts, chances are you have registered and insured your car in this state. There are 12 standard coverage parts on the Massachusetts Personal Car Insurance policy.
• Boat Insurance
  Not all boat insurance policies are the same and at Herlihy Insurance Group we have the expertise and the options to provide you with excellent boat insurance choices.

Property

• Renters Insurance
  Renters insurance can provide protection for your furniture and personal possessions at home or away from home — against losses such as theft, fire, lightning, windstorms, hail, explosions, smoke, vandalism and theft.
• Home Insurance
  An important insurance fact to recognize is that your vacation home insurance coverage may differ from your primary home insurance coverage. At Herlihy Insurance we review these specific coverage differences with you and make recommendations appropriate for both of your homes.
• Condo Insurance
  Your condo insurance unit owner’s policy should be personalized to your unit and your belongings. As a unit owner, you may own part of a your building but not all of it.

Health and Life

• Life Insurance
  When thinking about life insurance it is important to define your objective for securing this important coverage. Depending upon your specific objective and your budget, there are different types of life insurance policies to consider: Term Life, Universal Life and Whole Life are a few of your basic options.
• Health Insurance
  In addition to Health Insurance, many companies also offer additional employee benefits. A comprehensive Group Benefit Package can assist with the retention and attraction of employees. In a competitive job market, these packages can make all the difference with your employees.
• Disability Insurance
  Disability insurance provides financial protection if you become disabled and are unable to work for an extended period of time. If you rely upon your wages to pay your bills and maintain your lifestyle, disability insurance should be part of your insurance program.
• Long Term Care
  There is no question that Long Term Care insurance is complicated and often times misunderstood. Each individual and family that seeks out this insurance must design a policy that meets their needs and budget. Long term care policy terms and beneftis do vary greatly. When you are reviewing this type of insurance for yourself or your loved ones select an agent that represents many companies and policy options.
• Dental Insurance

Business

• Business Insurance
  You know what it takes to run a successful business. At Herlihy Insurance we know what it takes to properly insure your business. Here’s our brief overview of a few important Business Insurance coverages.
• Commercial Property Insurance
  Business Property Insurance helps protect the building your business owns or leases as well as your business personal property, including tools and equipment, inventory, and furniture. A business property policy may also include coverage for assets like accounts receivable, data records, computers and provide the additional benefit of lost income when business operations are suspended due to a covered loss. Your business property insurance coverage should be tailored to protect the assets of your business.
• Workers Compensation Insurance
  Workers Compensation: Employers in Massachusetts are required to carry workers compensation insurance covering their employees. This requirement applies to full time and part time employees. Workers compensations insurance provides benefits for medical and lost wage expenses to an employee when they are injured in a work related accident.
• Commercial Liability Insurance
  Commercial Umbrella: Umbrella Liability Insurance — sometimes called Excess Liability Insurance — works by increasing the protection limits on some of your existing liability policies. Why would you need to do that? Accidents do happen and people can get seriously injured. Adding umbrella liability to your insurance program is a cost effective way to protect your business assets from liability awards.
• Professional Liability Insurance
  Professional liability covers an organization for services that could be considered professional in nature, whether you employ licensed professionals or not. If you have a mentoring, educational, life skills, counseling, or case management exposure at all, then professional liability is a necessary consideration.
• Builders Risk Insurance
  Builders Risk: This is a Property Policy that covers a building while it is under construction. It will cover the building, the materials stored on site, the materials in transit or the materials while they are stored at an off site storage facility. This policy is typically purchased by the property owner.
• Restaurant Insurance
  Coverage for the loss of goods caused by mechanical breakdown may be added to most restaurant insurance policies. It is important to specifically review the terms of the mechanical breakdown coverage and loss provisions as they differ from company to company.

Personal

• Liability Insurance
  All car, home, personal umbrella policies are not the same. Each of these insurance coverages may vary widely in both coverage terms and pricing options. We at Herlihy focus on making certain that you as our client have the most comprehensive coverage at a very competitive price. By representing a large number of personal insurance companies we offer you both broad coverage options and multiple pricing options for your insurance program. No need to shop from company to company as we at Herlihy can do this work for you!