Independent Insurance Agent Options

What's the difference?
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What’s our secret to saving you time and money on insurance?

We’re an independent insurance agency.

You know what’s not fun? Shopping for insurance. Ending the day frustrated or confused while looking to save a little money is no way to live, especially if it’s bad coverage. Independent agents are licensed insurance professionals who care and know the secrets of the trade, have multiple companies to quote with and do the work for you at no extra cost.

Instead of spending time comparing online insurance quotes, why not let a professional do it for you for free?

How do you know if you’re paying too much for your coverage?

Insurance is not “one size fits all,” so you don’t know unless an independent insurance agent tells you. Avoid wasting hours trying to do the research on your own and losing in the end. Striking a balance between work and life is hard enough. You’ve got stuff going on–let our independent agents do the heavy lifting. They take the guesswork out for you so you can find more time for what’s important to you.

Have us quote all of your policies together with our 10+ carriers. We have lots of carriers so you have lots of options.


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Working with us, you can look forward to:

  • 10+ Carriers – significant savings and bundled policies
  • Coverage catered to protecting your specific interests
  • Responsive and helpful agents
  • Integrity & customer first, top of the line service
  • Secure data protection
  • We shop for you! Multiple competitive options at no extra cost

Local Options for Property, Condo, Renters, Car, & Business Insurance

Condo Association Insurance

Condo Associations need Master Insurance Policies that cater to their specific needs. At Phil Richard Insurance, our agents specialize in protecting condominium associations and their tenants. If you’re looking to learn more about some of the most competitive condo association master insurance policy rates in the Massachusetts market, talk to us about a quote today.

Business Insurance

Small business owners, entrepreneurs, and startups need specific insurance coverage to get started off on the right foot. We’ll educate you, and help gear up any commercial insurance needs as your business grows. Work with us to design a coverage plan that’s tailored to your business, and talk to us about any additional business support you may need.

Property Insurance

Whether you’re a homeowner, landlord, condo owner, or renter, are you due for a coverage review? Or are you a first time home buyer looking for a strong relationship to grow as you do? Our agents are well versed in insurance coverage needs of MA and New England homeowners. They will guide you in the right direction.

Auto Insurance

It’s easy to get overwhelmed by the number of car insurance options available here in Massachusetts. We carefully explain the alternatives so you can make the most informed and affordable decision. From accident forgiveness to annual mileage discounts, our experienced independent insurance agents will create an all-inclusive auto insurance policy just for you.

Did you know about your local options?

You want an agency you can rely on.

The goal of Phil Richard Insurance is to save you money while maximizing the value of your insurance premium. We help you understand your coverage needs as a Massachusetts resident or business owner and customize an insurance policy for you.

Whether it’s an apartment in Boston, rental property in New Hampshire, or your business, walk away confident knowing your insurance payments are going towards coverage and a team you can rely on in the case of a claim.





27 Garden Street

Unit 1B
Danvers, MA 01923




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




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