Personal & Commercial Insurance Products

The grass is greener with a local, independent agent.
I Need a QuoteReview My Current Coverage

What do you need?

With all the different types of commercial insurance and personal insurance needed nowadays, you want an expert to tell you what you do and don’t require for your situation. There is such a thing as being over and underinsured, we see it all the time.

Our agents are knowledgeable and backed by account management experts who find the right insurance policy for your coverage needs, hopefully saving you some money in the meantime.

If you’re not sure, reach out today to get started.

Types of Personal Insurance

Types of Commercial Insurance

Featured On the Blog:

Facing graduation? What you need to know about insurance.

Facing graduation? What you need to know about insurance.

The month of May is graduation month for the many fine university and colleges in Massachusetts. Graduation literally means a commencement, or beginning, of something new. For some it will mean a new job, a different commute, or even a new living space. The changes...

read more
Keeping Your Business Safe from Cyber Crime

Keeping Your Business Safe from Cyber Crime

Here at Phil Richard Insurance, we know that Cyber Security is a growing issue. In response to recent studies that show approximately 73% of all Americans have been a victim of cyber crime, Massachusetts has designated the month of October 2015 as National Cyber...

read more