The top-rated disability insurance agent in Cambridge, Massachusetts is Relation Insurance - Garrity Group, rated 4.9 stars across 342 reviews. Other highly rated options include Eagle Trust Insurance, econosurance, Gallagher Insurance, Risk Management & Consulting. This directory lists 16 disability insurance agents serving Cambridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Relation Insurance - Garrity Group | 545 Concord Ave | (617) 354-4640 |
| 2 | Eagle Trust Insurance | 125 Cambridgepark Dr Suite 301 | (617) 625-8400 |
| 3 | econosurance | 125 Cambridgepark Dr Suite 301 | (617) 864-2444 |
| 4 | Gallagher Insurance, Risk Management & Consulting | 9 Camp St | (877) 977-1898 |
| 5 | Ralph J Galante Insurance Agency Inc | 1939 Massachusetts Ave | (617) 864-5586 |
| 6 | Al Ponte Insurance | 819 Cambridge St | (617) 492-7600 |
| 7 | Fucillo & Sasso Associates Insurance | 599 Cambridge St suite c-2 | (617) 621-3516 |
| 8 | Thomas F Coughlin Insurance Agency | 1303 Cambridge St | (617) 876-1127 |
| 9 | Consumer Insurance Agency | 2350 MA-2A | (617) 545-3036 |
| 10 | Cambridge insurance | 64 Sidney St | (339) 210-5104 |
Relation Insurance - Garrity Group serves the Cambridge, Massachusetts area as a disability insurance agent. The company assists individuals and professionals in securing coverage that provides income protection during periods of illness or injury. Agents guide clients through policy options, explaining how different plans replace a portion of lost wages. They also help business owners structure disability policies to cover overhead expenses. Specific services include short-term disability insurance and long-term disability insurance for local residents and businesses.
Eagle Trust Insurance provides a range of disability insurance agent services in Cambridge, MA, focusing on helping clients protect their income through tailored coverage options. It offers guidance on policy selection to address potential loss of earnings due to illness or injury. The company assists with plan maintenance, including policy reviews and claims support to ensure ongoing benefits. Eagle Trust Insurance serves single-family homes, apartments, retail establishments, and restaurants, helping business owners and residents secure financial stability against disability risks.
Based in Cambridge, Massachusetts, econosurance serves homeowners, business owners, and property managers seeking to protect their personal income against the financial impact of injury or illness. The agency offers guidance on short-term and long-term disability insurance policies designed to replace a portion of lost earnings during recovery. By reviewing individual risk profiles, they help clients select appropriate coverage terms and benefit periods. Their service territory also extends to neighboring communities throughout the greater Boston metro area.
Gallagher Insurance, Risk Management & Consulting provides disability insurance agency services in the Cambridge, Massachusetts area. The firm assists clients by analyzing individual and group disability income protection needs, coordinating coverage options to replace lost earnings during illness or injury. As a specialty add-on, it addresses the distinct requirements of long-term and short-term disability planning for professionals. The company serves a range of commercial sectors, including office environments, warehouses, and food service operations.
Serving Cambridge, MA, and the surrounding communities, Ralph J Galante Insurance Agency Inc handles disability insurance for local residents and workers. Disability insurance agents in this area guide clients through policies that replace a portion of income when illness or injury prevents work. The company assists with both short-term and long-term coverage options that help protect financial stability during recovery. To handle a typical client’s needs, it begins by assessing individual employment situations and income requirements before suggesting suitable policy choices.
In Cambridge, Massachusetts, Al Ponte Insurance helps clients compare one-time policy purchases against ongoing disability protection plans, focusing on coverage that replaces a portion of income if an injury or illness prevents work. Serving professionals and self-employed individuals in the area, the agency explains how elimination periods and benefit durations affect long-term financial security. Disability insurance agent services here include reviewing existing policies and selecting new plans tailored to individual earnings and occupation risks. Appointments are scheduled on an as-needed basis to address each client’s specific situation.
Fucillo & Sasso Associates Insurance provides disability insurance agency services in the Cambridge, MA area. It specializes in helping professionals find coverage that protects their income if they become unable to work due to illness or injury. The firm serves individuals and small businesses, guiding clients through the process of securing short-term or long-term disability policies. In winter, it assists freelance workers and contractors who need coverage to safeguard their earnings during the seasonal slowdown or after an unexpected medical event.
As winter deepens in Cambridge, many residents worry about income lost to illness or injury. Thomas F Coughlin Insurance Agency addresses this concern as a local disability insurance agent. They help area workers understand policy features that protect a portion of their salary during a disability. The agent reviews available coverage options suited to a client’s occupation and budget. An initial consultation begins with a straightforward assessment of the applicant’s current coverage gaps and financial needs.
Consumer Insurance Agency serves residential clients in Cambridge, Massachusetts, who need disability income protection, and also provides commercial disability insurance for local small businesses and self-employed professionals throughout the surrounding area. The agency assists individuals and business owners in comparing policies that replace lost earnings during illness or injury. Typically, a client meets with the agent to review policy options, then schedules a follow-up appointment to finalize coverage before the next regular plan review Visit.
What Does a a Disability Insurance Agent in Cambridge Cost?
Disability insurance costs in Massachusetts vary by age health occupation and benefit amount. Typical premiums for a 40-year-old office worker range from 1% to 3% of annual income. A policy with a 90-day elimination period and a benefit of 60% of salary might cost between $50 and $150 per month. Costs are higher for physically demanding jobs or older applicants. This is general information not insurance advice.
About disability insurance agents in Cambridge
Disability insurance agents in Cambridge Massachusetts help individuals and businesses find the right coverage to protect income. Massachusetts state law requires employers to provide short-term disability coverage through the Paid Family and Medical Leave program but many workers also seek private long-term disability policies. A local agent can explain how state benefits interact with private plans and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Cambridge do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They explain policy terms like elimination periods and benefit durations. They do not handle claims but can assist with understanding your policy after purchase.
Do I need disability insurance if I already have Massachusetts PFML?
Massachusetts PFML provides partial wage replacement for up to 26 weeks but does not cover long-term disabilities. Private disability insurance can supplement PFML and provide coverage for longer periods. An agent can help you assess your income protection gaps.
How do Massachusetts laws affect disability insurance policies?
Massachusetts has specific regulations on policy renewability and pre-existing condition exclusions. For example insurers cannot cancel a policy due to claims but can raise premiums with state approval. Agents in Cambridge must be licensed by the Massachusetts Division of Insurance.