The top-rated disability insurance agent in Beverly, Massachusetts is Sterling Insurance Agency Inc, rated 4.9 stars across 206 reviews. Other highly rated options include Leslie S. Ray Ins. Agency, Inc., Cross Insurance, Archer Insurance Agency. This directory lists 15 disability insurance agents serving Beverly.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sterling Insurance Agency Inc | 186 Cabot St Suite 203 | (978) 922-6600 |
| 2 | Leslie S. Ray Ins. Agency, Inc. | 129 Dodge St | (978) 927-2600 |
| 3 | Cross Insurance | 48 Dunham Rdg Rd #1000 | (978) 922-2288 |
| 4 | Archer Insurance Agency | 271 Cabot St | (978) 922-4600 |
| 5 | MCJ Insurance Agency | 409A Cabot St | (978) 338-4670 |
| 6 | Soucy Insurance Agency, Inc. | 100 Cummings Center #101f | (978) 744-7110 |
| 7 | Duffy Insurance | 50 Dunham Rdg Rd G200 | (978) 969-6207 |
| 8 | Carmen Kimball Insurance | 48 Beckford St | (978) 922-0086 |
| 9 | Universal Insurance Agency | 412 Hale St #350 | (781) 654-8082 |
| 10 | National Benefits Insurance | 138 Conant St | (978) 547-2040 |
Sterling Insurance Agency Inc serves the Beverly, Massachusetts area and surrounding Essex County as a disability insurance agent. The company assists individuals and business owners in securing income protection policies that replace lost wages due to illness or injury. It works with clients to evaluate short-term and long-term disability coverage options that fit personal financial plans. The agency handles individual disability insurance for professionals and group disability plans for local employers.
Leslie S. Ray Ins. Agency, Inc. in Beverly, MA offers disability insurance agent services to individuals and businesses. Its plans help protect income against injury or illness, providing financial stability during recovery periods. Ongoing policy management includes regular reviews to adjust coverage as client needs change. The agency assists clients with plan selection through straightforward guidance. It serves a range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Cross Insurance provides Disability Insurance Agent services to individuals and professionals in the Beverly area, working with clients to secure income protection policies tailored to their specific occupations and health situations. The agency also assists with long-term disability planning, helping policyholders understand coverage options that maintain financial stability during unexpected illness or injury. This seasonal concern becomes especially pressing for small business owners as they prepare for the busy winter season when workplace injuries can disrupt operations.
Archer Insurance Agency serves both homeowners and local businesses in Beverly, Massachusetts, by guiding them through the process of selecting disability insurance coverage. The agency helps assess the financial risks of a lost income due to illness or injury, ensuring clients understand policy options. It also works with property managers and small enterprises to secure protection for their key personnel. In addition to serving clients throughout Beverly, the agency regularly extends its services to the neighboring community of Salem.
MCJ Insurance Agency in Beverly, Massachusetts distinguishes between single-policy purchases for a specific need and ongoing coverage plans that require periodic review. The agency helps individuals and businesses understand disability insurance options that replace lost income if illness or injury prevents work. Local workers and employers often rely on such coverage to protect earnings during extended medical leave. Service runs on a one-time, scheduled, or as-needed basis depending on whether the client requests an initial quote, an annual policy checkup, or a claim filing consultation.
Serving Beverly and the surrounding North Shore communities, Soucy Insurance Agency, Inc. specializes in disability insurance. It handles both short-term and long-term coverage designed to replace lost income when a client is unable to work due to illness or injury. The agency carefully explains policy provisions such as elimination periods and benefit durations. For a typical client, the agency first assesses the individual’s income and occupation before matching them to a suitable carrier.
As winter approaches and Beverly residents review their protections against lost income, Duffy Insurance provides focused guidance as a local Disability Insurance Agent. Assessing risk for professionals in a historic coastal community requires an understanding of specific occupational demands and regional economic factors. The agent works directly with clients to evaluate current coverage and potential gaps in wage replacement. Discussion begins with a review of personal financial obligations and employment structure, followed by a thorough inspection of existing policy terms and benefit triggers.
Carmen Kimball Insurance in Beverly, MA specializes in disability insurance, helping professionals and small business owners protect their income. The agency guides clients in selecting policies that provide financial stability in the event of illness or injury. It offers consultations to explain policy options and assists with applications. As winter approaches, the agency often helps local tradespeople and independent contractors secure short-term coverage to safeguard against seasonal closures and weather-related accidents.
As the seasons change in Beverly, the need for income protection becomes a practical concern for many local residents and business owners. Universal Insurance Agency addresses this by guiding clients through the specifics of disability insurance agent services that help safeguard earnings during an unexpected illness or injury. Agent consultations focus on evaluating individual coverage gaps and explaining policy terms clearly. After discussing each customer’s employment situation, financial obligations, and long-term goals, the agency proceeds by conducting a no-obligation initial assessment of coverage options.
National Benefits Insurance serves the Beverly, Massachusetts area as a disability insurance agent. The company focuses on helping individuals and businesses navigate disability coverage options to protect income during illness or injury. It specializes in tailoring short-term and long-term disability policies to meet specific needs. Commercial sectors commonly served include local offices, warehouses, and food service operations, ensuring workers across these industries have access to appropriate protection plans.
What Does a a Disability Insurance Agent in Beverly Cost?
Premiums for disability insurance in Massachusetts typically range from 1 percent to 3 percent of your annual income. For a 50,000 dollar annual income a policy might cost between 500 and 1,500 dollars per year. Costs vary based on age health occupation and benefit terms. This is general information not insurance advice.
About disability insurance agents in Beverly
A disability insurance agent in Beverly Massachusetts can help you understand group and individual policies that replace income if you cannot work. Massachusetts state law requires certain employers to offer a short term disability program under the Paid Family and Medical Leave PFML law. An agent can explain how these state benefits interact with private disability plans.
Frequently Asked Questions
What does a disability insurance agent in Beverly do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your occupation and income. They also assist with filing claims and understanding policy exclusions. In Massachusetts agents must be licensed by the state Division of Insurance.
How is disability insurance different from workers compensation in Massachusetts?
Disability insurance covers income loss from any illness or injury not related to work. Workers compensation in Massachusetts only covers injuries that happen on the job. An agent can help you get disability coverage that fills gaps not covered by workers comp.
What Massachusetts laws affect disability insurance policies?
Massachusetts General Law Chapter 175 governs disability insurance policies sold in the state. The state also has a Paid Family and Medical Leave PFML program that provides partial wage replacement. An agent can explain how PFML benefits coordinate with private disability insurance.