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Massachusetts car insurance laws require all drivers to carry a minimum level of auto insurance coverage when driving or parking on public roads. Motorists must provide proof of insurance when requested by a law enforcement official. Driving without the proper car coverage puts you at risk of financial responsibility and legal penalties.

Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.

Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property.

A Business Owner's Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters.

General liability insurance helps cover costly claims that can come up during normal business operations. If you don’t have coverage, you’d have to cover these general liability insurance costs out of pocket, and not many businesses have the resources to do that.

Your home insurance policy is a legal contract of the promise that an insurance company gives you for a specified period of time (usually one-year) to pay for those losses outlined in your policy provided that you pay premiums to that insurance company.

Life insurance is a contract between an insurer and a policy owner. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime.

A boat insurance policy may cover you and your boat or personal watercraft against liability and damage in the event of a boating accident, including if you injure someone or damage someone else's property with your boat.

Commercial vehicle insurance is needed to cover the cars, trucks, and vans used in conducting your business. Large fleets, as well as small businesses, should be properly covered by a commercial auto insurance policy.

Commercial property insurance is used to cover any commercial property. Commercial property insurance protects commercial property from such perils as fire, theft, and natural disaster. A variety of businesses, including manufacturers, retailers, service-oriented businesses, and not-for-profit organizations carry commercial property insurance. It is generally bundled together with other forms of insurance, such as commercial general liability insurance.