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:

How Your Insurance Agent Can Help You 

How Your Insurance Agent Can Help You 

This month, we have touched on a few issues in our industry such as filing a claim and what to do in a car accident that highlight how your insurance agent can help in times of need. This week's blog is dedicated to some of the other ways that agents can help make...

read more
Must Have Coverages for Your Restaurant 

Must Have Coverages for Your Restaurant 

Restaurants have been hit hard during this global pandemic. Indoor spaces have been all but eliminated, outdoor spaces have allowed for weather-contingent dining, and owners have needed to quickly adapt to online ordering and take out options. It has not been an easy...

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