Our family-owned agency thrives on doing our best for our clients, our peers, and community. Everyone’s needs are unique, and when it comes to insurance, you need someone you can trust. If you have a question, or are looking for a quote, our skilled agents will guide you every step of the way, finding cost effective solutions while keeping you protected from the unexpected.

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See What Our Clients Have To Say

Phil, Patti, Mary and Jacqui – Can’t begin to thank you enough for your support for our upcoming Jimmy Fund walk honoring our young friend, Emma, who lost her battle with Neuroblastoma.

Your generosity and support this year have been so amazing. You are a role model for better business!

Thanks for all you do.

Patty April 19, 2017

I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

Frequently Asked Questions

I just purchased my first home. How much homeowners insurance should I have?

This is one of the most frequently asked questions we see, and the real answer is, “It depends.” There are so many factors that go into how much homeowners insurance you should have. In general, as long as you have your policy written and insured at Replacement Cost you are off to a good start. Determining the necessary amount of insurance appropriate for your home is something that both you and your agent will discuss allowing you to choose the appropriate level of protection.

Am I responsible for an accident that occurs if my under-18 licensed child is driving my vehicle?

You will be presumed legally responsible for any accident incurred by your under-18 licensed child involving your vehicle unless you can prove that you were not the reason behind your child operating your car. For instance, if your child takes the car to buy groceries at your request, he is acting as your agent and you are responsible. If your child uses your car to go to the movies with his friends, he is not acting as your agent and as a result, you would not be responsible.

However recognize that whenever you “loan” your car to anyone, you might be deemed to have “negligently loaned” your car to someone else and you might be held responsible.

What is the difference between universal and whole life insurance?

Universal life and whole life insurance are both permanent life insurance products. Yet there are distinct differences between the two. Universal life is more flexible in that you can change the death benefit and the premium you pay depending on the cash value of your policy and current market conditions. Whole life is considered a safer product because it offers guaranteed premiums with fixed death benefits and a fixed growth rate. Overall, whole life insurance is more expensive than universal life insurance.

What is the difference between general liability and professional liability insurance?

The basic difference between the two is that general liability covers bodily injury or property damage to a 3rd party and professional liability protects your business against the repercussions of giving out bad advice, or poor guidance.

Upcoming Events

  • Walk to End Alzheimer’s

    Please join Team R&R! Held annually in more than 600 communities nationwide, the Alzheimer’s A...

    September 17 @ 8:00 am - 1:00 pm

Recent News

Walk to end Alzheimer’s

Please join Team R&R! Held annually in more than 600 communities nationwide, the Alzheimer's Association Walk to End Alzheimer’s® is the world’s largest event to raise awareness and funds for Alzheimer’s care, support and research. This inspiring event calls on...

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Have you heard about Tough Warrior Princess?

Have You Heard? 10k for Tough Warrior Princess on North Shore of MA! Thanks to our clients, community partners, Tough Warrior Princess on the North Shore of MA, and Safeco Insurance, we had the pleasure of presenting our fellow Tough Warrior Princesses with a big...

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Happy 4th of July !!

For many people, nothing beats lounging in the backyard on the Fourth of July with good friends and family—including furry friends. While it may seem like a great idea to reward your pet with scraps from the grill and bring him along to watch fireworks, in reality...

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27 Garden Street

Unit 1B
Danvers, MA 01923


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