Welcome to Phil Richard Insurance
Experience the difference of our independent agency.
Are you covered fairly and adequately?
Protect yourself and your prized possessions with confidence.
At Phil Richard Insurance, we’re a family who thrives on helping our community and empowering clients. Our team is made up of friendly insurance experts who fine-tune your policy, maximize value, and help you understand your coverage needs, for now, and the long run.
Today in the age of convenience, we’re used to having everything in the snap of a finger, but quoting an insurance policy should not be based on time or “savings” alone. It’s important to know what you’re paying for (or not paying for).
How do you know if you’re getting the best rate and the best coverage? Our experienced independent insurance agents will help you.
With 10+ insurance carriers, you can shop competitive rates for a wide array of products. Based in Danvers, MA & Peabody, MA, we offer property & casualty needs such as home insurance, auto insurance, flood insurance, business insurance for many different sizes, industries, and more to the North Shore, Boston, and New England.
Let us take the guesswork out for you. Talk to us today!
What Our Clients Have to Say:
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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.
What areas do you service?
We serve all of MA including the North Shore areas of Peabody, Danvers, Beverly, and New England states.
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Recent News
Community Non-Profit Spotlight for June
This month’s community non-profit spotlight will be focusing on the North Shore Cancer Walk. Summer is a great time to be getting in shape, and what better way to do that than by participating in a walk for cancer. You’ll be able to burn some of that pesky fat...
What’s Happening on the North Shore This Month?
June 2nd: Cape Ann Artisans Tour On the 2nd and 3rd of June you can be taken on a self-guided tour to artist studios all around Cape Ann. Participating artists will be making a variety of things ranging from paints, jewelry, sculpture and more! Discover the local...
Community Non-Profit Spotlight
Spring is here, and you know what that means, right? Exactly, it’s time to start your spring cleaning before summer gets here! It’s right around the corner, and that means you need to haul out some of those old winter clothes and get ready for shorts and t-shirts....
Office Hours
Monday: 9am – 4:30pm
Tuesday: 9am – 4:30pm
Wednesday: 9am – 4:30pm
Thursday: 9am – 4:30pm
Friday: 9am – 4:30pm
Sat – Sun: Closed
