The top-rated disability insurance agent in Danvers, Massachusetts is Daniel J. Guarino Insurance Agency, Inc., rated 5.0 stars across 303 reviews. Other highly rated options include Edgewater Insurance Group, Goodnow Insurance, Phil Richard Insurance. This directory lists 21 disability insurance agents serving Danvers.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Daniel J. Guarino Insurance Agency, Inc. | 99 Rosewood Dr #111 | (978) 777-5820 |
| 2 | Edgewater Insurance Group | 85 Constitution Ln #2B | (978) 979-6592 |
| 3 | Goodnow Insurance | 16 Park St | (978) 774-2620 |
| 4 | Phil Richard Insurance | 27 Garden St #1b | (978) 774-4338 |
| 5 | Salem Five Insurance Services, LLC | 75 Sylvan St Suite B-202 | (978) 977-4884 |
| 6 | Hurley Insurance Agency | 27 Garden St #1b | (978) 777-9394 |
| 7 | John J Doyle Insurance | 85 Constitution Ln #2h | (978) 777-6344 |
| 8 | SecureLink Insurance Co. | 99 Watson Pkwy | (351) 207-6471 |
| 9 | Circle Insurance Agency, Inc. | 247 Newbury St | (978) 777-7030 |
| 10 | County Insurance Agency, Inc. | 123 Sylvan St | (978) 774-2463 |
Daniel J. Guarino Insurance Agency, Inc. serves Danvers and Essex County as a disability insurance agent. The company helps clients explore policies that replace a portion of lost income if illness or injury prevents them from working. Local professionals and small business owners often seek guidance on selecting appropriate coverage terms. The firm handles both short-term and long-term disability insurance plans.
Edgewater Insurance Group offers a range of disability insurance agent services in Danvers, Massachusetts, assisting clients with policy selection and claims guidance. It provides ongoing service and maintenance plans to help policyholders review their coverage and adjust plans as needs change. The agency works with a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Goodnow Insurance serves local homeowners, small business owners, and self-employed professionals seeking income protection. As a disability insurance agent in Danvers, MA, the company helps clients evaluate coverage options that replace lost wages due to illness or injury. Policies are drawn from major insurers to match individual budgets and occupational risk profiles. The agent explains policy terms clearly, including elimination periods and benefit durations, so customers can make informed decisions. Goodnow Insurance also provides guidance for workers and families across Beverly and the greater North Shore region.
Phil Richard Insurance serves clients in Danvers, Massachusetts, and the surrounding North Shore communities. It handles disability insurance policies designed to protect income when an individual cannot work due to illness or injury. The agency helps residents understand the various coverage options available through private insurers. To complete a typical job, it reviews a client’s occupation and earnings, then recommends a policy that matches their personal financial situation and risk profile.
In Danvers, Massachusetts, Salem Five Insurance Services, LLC distinguishes between one-time assessments for immediate coverage needs and recurring policy reviews to adjust to changing personal circumstances. As a disability insurance agent, they help clients understand how income protection replaces a portion of earnings if illness or injury prevents work. Their service operates on an as-needed basis, allowing individuals to seek guidance when life events such as career transitions, family growth, or health changes occur.
Hurley Insurance Agency specializes in disability insurance solutions for clients in Danvers, MA, focusing on protecting income against unexpected medical conditions. The agency guides individuals and professionals through the process of selecting appropriate coverage tailored to their occupational risks and financial needs. It also handles policy reviews to ensure existing plans remain adequate over time. With winter approaching, the agency helps residents understand how seasonal injuries or illness-related time off could affect their income stability, recommending updates to safeguards before cold weather increases accident risks.
As winter weather in Danvers increases the risk of slips and falls, local residents and small business owners often need to protect their income from unexpected injuries. John J Doyle Insurance provides guidance on disability insurance policies that offer financial support when an illness or accident prevents regular work. The agency helps clients understand their coverage options for short-term and long-term needs, ensuring a tailored response to each situation. An initial consultation to assess specific income-replacement requirements begins the process.
SecureLink Insurance Co. serves individuals residing in Danvers, Massachusetts, helping them obtain disability coverage that protects their income. The agency also assists local businesses in securing commercial disability insurance, ensuring continuity for employers and their teams throughout the North Shore region. Their work focuses on matching clients with policies suited to their specific needs from available carriers. Between regular check-ins, the agent remains available to answer questions and process any changes or claims that arise.
Circle Insurance Agency, Inc., located in Danvers, MA, serves individuals and local businesses by assisting with disability insurance applications. The agency helps clients understand policy provisions designed to replace lost income due to illness or injury. It can advise on a range of coverage options, including short-term and long-term plans that can supplement employer benefits. Businesses in office settings, warehouses, and food service operations can explore disability coverage through this agency as part of their overall employee protection strategies.
County Insurance Agency, Inc. in Danvers, MA is known for guiding local professionals through the process of securing disability insurance coverage, offering support for both short-term and long-term income protection needs. The agency assists area residents in evaluating options that can help safeguard earnings against unexpected interruptions. It can also coordinate disability coverage alongside existing employer-sponsored workplace benefit plans.
What Does a a Disability Insurance Agent in Danvers Cost?
Costs for disability insurance in Massachusetts typically range from 1% to 3% of your annual income for a policy. For example, a 35 year old earning $60,000 per year might pay $600 to $1,800 annually for a policy with a 90 day waiting period. Premiums vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Danvers
Disability insurance agents in Danvers, Massachusetts help individuals and businesses find coverage that meets their needs. Massachusetts law requires employers to provide short-term disability benefits through the Paid Family and Medical Leave program. A local agent can guide you through private policies and state-mandated options to protect your income.
Frequently Asked Questions
What does a disability insurance agent in Danvers do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your budget and needs. They explain policy terms, exclusions, and waiting periods. They do not provide legal advice but can assist with the application process.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However, most employers must provide short-term disability benefits through the state PFML program. A private policy can supplement this coverage for higher income replacement.
How do Massachusetts PFML rules affect private disability insurance?
Massachusetts PFML provides up to 26 weeks of partial paid leave for medical reasons. Private disability insurance can coordinate with PFML to fill gaps in income. An agent can help you understand how these benefits work together.