The top-rated commercial insurance agent in Winchester, Massachusetts is Scotti Insurance Agency, rated 4.3 stars across 14 reviews. Other highly rated options include Saltmarsh Insurance Agency, Admiralty Insurance Agency Inc, John A Pierce Insurance Inc. This directory lists 12 commercial insurance agents serving Winchester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scotti Insurance Agency | 19 Mt Vernon St | (781) 729-9200 |
| 2 | Saltmarsh Insurance Agency | 751 Main St | (781) 729-4615 |
| 3 | Admiralty Insurance Agency Inc | 2 Central St | (781) 721-5500 |
| 4 | John A Pierce Insurance Inc | 934 Main St | (781) 729-8770 |
| 5 | W Allan Wilde & Son Insurance Agency, Inc. | 887 Main St #1911 | (781) 729-1400 |
| 6 | Horace Mann Insurance Co | 895 Main St | (781) 368-9029 |
| 7 | Furey Insurance | 28 Church St #8 | (781) 721-5758 |
| 8 | Barry & McHugh Insurance Inc | 10 Skillings Rd | (781) 729-6600 |
| 9 | BARRY FREEMAN | 895 Main St | (781) 368-9029 |
| 10 | Jay M Finn Insurance | 10 Skillings Rd | (781) 729-5724 |
Scotti Insurance Agency serves the Winchester area and surrounding communities in Middlesex County as a commercial insurance agent. The firm works with local business owners to evaluate risks and secure appropriate coverage for their operations. It assists with general liability policies, property insurance for commercial buildings and equipment, and workers’ compensation protection. Scotti Insurance Agency also provides specialized coverage types. It handles business auto insurance for company fleets and professional liability insurance for service-based firms.
Saltmarsh Insurance Agency provides a full range of commercial insurance solutions tailored to businesses in Winchester, MA. Its portfolio includes general liability, property, and workers’ compensation coverage designed to protect against operational risks. The agency offers ongoing account reviews and policy adjustments to keep coverage aligned with evolving business needs. Professional service plans include regular consultation on liability limits and loss prevention strategies. Saltmarsh Insurance Agency services a diverse client base, including single-family homes as investment properties, apartments, retail shops, and restaurants.
Admiralty Insurance Agency Inc serves the commercial insurance needs of Winchester and the surrounding communities of Middlesex County. The agency handles policies designed to protect small and mid-sized businesses, including property, liability, and workers' compensation coverage. Its agents work to assess each client's specific operational risks and legal obligations. To address a typical job, the team begins with a detailed consultation to identify exposures before comparing options from multiple carriers to build a customized plan.
John A Pierce Insurance Inc in Winchester serves local homeowners, businesses, and property managers seeking commercial insurance coverage. The agency provides tailored policies to protect commercial assets, liability, and operational risks for small to midsize companies in the area. Clients work directly with an agent who assesses their unique needs and places coverage with reputable carriers. The firm also extends its commercial insurance services to neighboring communities in the Middlesex County metro region, including Woburn and Lexington.
For commercial insurance, clients choose between a one-time policy for a specific project or recurring coverage for ongoing operations. W Allan Wilde & Son Insurance Agency, Inc. in Winchester provides tailored protection for local businesses, addressing general liability, property, and workers' compensation needs. Their approach evaluates risk factors unique to each industry, ensuring thorough policy design. Service operates primarily on an as-needed basis, with annual renewals scheduled for review and adjustment of coverage limits and deductibles.
Horace Mann Insurance Co in Winchester, Massachusetts, provides commercial insurance agent services, offering a range of property and liability coverage options tailored to local businesses. It also supports clients with ongoing risk management guidance and policy maintenance plans to ensure adequate protection. The company services a variety of commercial properties, including single-family homes operated as businesses, apartment complexes, retail storefronts, and restaurants.
Furey Insurance specializes in policies tailored for Winchester small businesses, including liability and property coverage. The agency further assists local enterprises with general risk management evaluations and customized insurance reviews. Understanding the commercial landscape changes throughout the year, it helps clients adjust protections against seasonal shifts, such as increased liability during summer outdoor events or property vulnerability from winter weather and ice damage.
Barry & McHugh Insurance Inc in Winchester, MA, serves businesses by arranging commercial insurance policies tailored to operational risks. The agency focuses on liability coverage and property protection for various enterprises. It also helps clients secure additional endorsements such as equipment breakdown and cyber liability insurance. These services extend to businesses operating in local offices, warehouses, and food service establishments.
As New England businesses adjust their coverage ahead of the seasonal shift, Barry Freeman provides commercial insurance solutions tailored to the risks faced by companies in Winchester. By analyzing each operation’s specific liability exposures, from property damage to business interruption, policies are structured to address practical needs. A direct conversation and review of current coverage form the basis for an initial risk assessment, which then leads to scheduling an on-site inspection and a detailed evaluation of the property.
Jay M Finn Insurance provides residential insurance services for homeowners in the Winchester area. The agency also offers commercial insurance coverage tailored to local businesses, protecting their property and liability needs throughout the surrounding region. Policies are designed to address the specific risks faced by small and mid-sized enterprises. Clients receive clear guidance during the initial application process and for any subsequent changes in coverage between regular renewal reviews.
What Does a a Commercial Insurance Agent in Winchester Cost?
Commercial insurance costs in Massachusetts vary widely based on business type, size, and risk level. A small retail shop might pay 500 to 1,500 dollars per year for general liability, while a construction firm could pay 5,000 to 15,000 dollars or more. Workers compensation rates are set by the state and depend on payroll and industry class codes. This is general information and not insurance advice.
About commercial insurance agents in Winchester
Commercial insurance agents in Winchester, Massachusetts help local businesses secure coverage for property, liability, and workers compensation. Massachusetts law requires most employers to carry workers compensation insurance, and agents can guide you through compliance. Working with a local agent ensures you understand risks specific to the Winchester area.
Frequently Asked Questions
What types of commercial insurance do businesses in Winchester need?
Common coverages include general liability, property insurance, and workers compensation. Massachusetts requires workers comp for nearly all employers with one or more employees. An agent can help assess your specific needs based on your industry and location.
How do Massachusetts laws affect commercial insurance requirements?
Massachusetts has strict liability laws and a high minimum auto liability limit of 20/40/5 for commercial vehicles. The state also requires employers to provide workers compensation insurance or face fines. A local agent understands these statutes and can help you stay compliant.
Can a commercial insurance agent help with business interruption coverage?
Yes, many agents offer business interruption insurance to cover lost income during a covered event. In Massachusetts, this is especially important for businesses near flood zones or in older buildings. An agent can explain policy terms and exclusions.