Massachusetts Independent Agents

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Most Popular Coverages in Massachusetts

What is an independent insurance agent?

Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable Massachusetts homeowners insurance policy. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is damaged so badly it is uninhabitable. 

Car insurance rates in Massachusetts are higher than the national average. The average cost for car insurance nationwide is $1,311. In Massachusetts, residents pay an average of $1,460 per year. Comparing quotes from multiple companies before choosing a policy will help find the best rates. 

Last year, small businesses in Massachusetts made $380 billion. If these businesses don't have business insurance, claims have to be paid out of pocket, causing their revenue to take a major hit.

Every state has its own workman's comp laws for employers that operate within its borders. Massachusetts worker's compensation laws state that all employers, with a few exceptions, are required to carry this insurance coverage for all the employees of their company. Workers who are not considered employees and do not need to be covered include real estate agents, professional athletes, seamen, taxicab drivers, door-to-door salespeople, and independent contractors.

Restaurants in Massachusetts need three basic types of insurance: property, liability, and employee coverage. Each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

Commercial truck and car policies are similar to personal vehicle policies. An insurance package with an optimal amount of coverage for many business owners may include the following: liability, medical payments, uninsured/underinsured motorist, and collision and comprehensive insurance.

It depends. An older inn near the coast might pay around $5,000/year. But a fancy high-rise hotel just a few miles away might pay as much as $1,000,000/year. To make things even more interesting, if these same two hotels were located just 10 miles further inland, their premiums might drop by half. In another state altogether, further away from the coast, the tiny one might pay $1,200/year, while the big one might pay $150,000/year.

Standard liability coverage will help cover the costs of property damage and/or bodily injury caused by a policyholder's actions or negligence. This coverage is a legal requirement for both homeowners and vehicle policies in most states. However, depending on the liability limits set for the policies, coverage could easily run out long before the costs are covered, particularly if the incident results in a lawsuit. 

Many renters don't realize that their belongings aren't protected from theft or damage through the insurance held by a landlord or property management company. To cover the contents of a rented home or apartment, a renters insurance policy is needed. Imagine there is a fire in the apartment that engulfs the kitchen and living room. 

The landlord insurance policy will replace and repair the walls, replace the windows, and ensure that the space is structurally sound.  The tenant is completely responsible for replacing the couch, dishes, and HD television. Without renters insurance, the out-of-pocket expenses can be tremendous after a disaster.

Life insurance is all about preparing for the unexpected. It is important for everyone to think about how those who depend on them would fare if they were to meet an untimely demise. If they are married, they may want enough coverage to allow their spouse to afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

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