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We are specialized in Personal & Commercial Auto, Worker's Compensation, General Liability, Renter's Insurance, Home Insurance, Life, Umbrella Coverage and more. Auto 95% Commercial Auto 92% Workers' Compensation & General Liability 90%

Frequently Asked Questions

Why do you need auto insurance in Massachusetts?Expand

In order to register and drive your vehicle in Massachusetts, you are required to at least purchase the state minimum auto coverage and limits.

The state considers driving without a insurance a civil motor vehicle infraction (CMVI). You could face a $5000 fine, up to one year in jail and the loss of your driving privileges for an entire year.

Required Coverage

Required Minimum Limit

Bodily Injury to
Others
$20,000 per person;
$40,000 per accident
Personal Injury
Protection (PIP)
$8,000 per person, per accident
Bodily Injury Caused
by an Uninsured Auto
$20,000 per person;
$40,000 per accident
Damage to Someone
Else's Property
$5,000 per accident

source: http://mass.govDo I need a driver's license to get a auto insurance?Expand

No, you do not. However it will take a little more work.

Many insurers will let you include what is called the principal or primary driver. The insurers will use that information along with other factors to determine the rate of your policy. Depending on the insurer, you may also need to name yourself as an "Excluded Driver" meaning that you will not be driving the car.

You can open an auto insurance policy without a Driver's License but you are required by Law to drive with a valid Driver's License.Who Needs Workers' Compensation Insurance In Massachusetts?Expand

With limited exceptions, every employer in the Commonwealth with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. 

Source: http://www.mass.gov/Why General Liability is important?Expand

General Liability insurance (GL) is coverage that can protect you from a variety of claims that can arise from your business operations. 

GL can usually protects your business from: 

  • Property Damage Liability
  • Damage to premises rented by you

Why do I need Home Insurance?Expand

Owning a home can be costly in Massachusetts. If something happens you want to make sure that investment is protected. Homeowners insurance helps protect your home. 

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