Business Details
We have been serving the insurance needs of Middleton, Malden, and all of Massachusetts since our founding in 1903. Our agency was incorporated in 1970 and expanded with a Middleton branch in 1987, reflecting over a century of continuous operation. In 2021, we unified our Middleton and Malden offices into a newly renovated, state-of-the-art facility at 205 South Main Street to enhance our service capabilities. As an independently owned and locally operated agency, we work exclusively for our clients rather than insurance carriers, ensuring unbiased advice. Our team, led by President Thomas P. Cares, Jr., CIC, and Vice President Kelly Clifford Watrous, CPCU, CIC, brings specialized expertise in both personal and commercial lines. We represent a diverse portfolio of trusted regional and national carriers, allowing us to tailor coverage solutions to each client's unique risk profile.
Our personal lines offerings include homeowners, renters, condo, automobile, boat, and umbrella policies from carriers such as Andover, Hanover, and Safeco. For businesses, we provide comprehensive commercial packages including business owners policies, commercial auto, workers' compensation, and surety bonds through partners like Acadia Insurance. We leverage advanced technology and a centralized staff to deliver prompt, accurate quotes and responsive claims assistance. Our commitment to professional standards is demonstrated through our certified designations and long-term relationships with the communities we serve. We strive to build lasting partnerships by providing personalized service, competitive pricing, and the peace of mind that comes from proper protection.
Our personal lines offerings include homeowners, renters, condo, automobile, boat, and umbrella policies from carriers such as Andover, Hanover, and Safeco. For businesses, we provide comprehensive commercial packages including business owners policies, commercial auto, workers' compensation, and surety bonds through partners like Acadia Insurance. We leverage advanced technology and a centralized staff to deliver prompt, accurate quotes and responsive claims assistance. Our commitment to professional standards is demonstrated through our certified designations and long-term relationships with the communities we serve. We strive to build lasting partnerships by providing personalized service, competitive pricing, and the peace of mind that comes from proper protection.
Highlights and features
- We have served Massachusetts communities since 1903.
- Our independent status ensures unbiased carrier comparisons.
- We combine certified expertise with advanced technology.
- Our unified office delivers streamlined, responsive service.
- We represent multiple trusted carriers for optimal value.
Services
Personal Lines Insurance
Our personal lines insurance provides customized protection for homeowners, renters, condo owners, and vehicle owners throughout Massachusetts. We partner with nine trusted carriers, including Andover, Hanover, and Safeco, to offer policies ranging from standard auto to specialized boat and umbrella coverage. Clients receive tailored solutions that balance comprehensive risk management with affordable premiums.
Commercial Lines Insurance
Our commercial lines insurance delivers comprehensive business protection through business owners policies, commercial auto, workers' compensation, and surety bonds. We leverage our partnership with Acadia Insurance to provide specialized coverages such as contractors equipment, builders risk, and commercial umbrellas. Business owners benefit from customized risk strategies that safeguard assets while controlling costs.
Classic Car Insurance
Our classic car insurance program, powered by Hagerty, offers specialized coverage designed for collector and antique vehicle enthusiasts. We understand the unique valuation and usage needs of vintage automobiles, providing agreed-value policies that protect your investment. Clients gain peace of mind knowing their prized possessions are insured by experts in the collector car market.
Surety Bonds
We provide surety bonds that guarantee contractual performance and regulatory compliance for businesses across Massachusetts. Our access to Acadia Insurance's bond portfolio enables us to issue license, permit, contract, and fidelity bonds quickly. Clients receive reliable financial guarantees that satisfy legal requirements and build trust with project owners.
