WE ARE THE ULTIMATE ADVOCATE AND ADVISOR
We offer thoughtful, tailored strategic solutions to our clients, their families and their companies. We serve as a trusted advisor, safeguarding clients’ assets while steering them towards personal and professional growth. What we do goes well beyond a typical insurance agency.
Our Practices
Property & Casualty and Employee Benefits programs for individuals, families and businesses.
Auto Insurance
Homeowners
Business Insurance
Private Client Group
Employee Benefits
Life Insurance
From Our Blog
Coastal Expertise: Flood Savings & Coverage Enhancements
With RogersGray you have flood insurance options. The federal government offers flood insurance coverage through the National Flood Insurance Program (NFIP) and there are several Private Flood Insurance programs available as well. Nationally recognized flood specialist, Joe Rossi, shares some recent Massachusetts case studies.
Commercial Driver’s License Drug & Alcohol Clearinghouse
The Clearinghouse is a secure online database maintained by the Federal Motor Carrier Safety Administration that gives employers and drivers real-time information about CDL driver drug & alcohol program violations, thereby enhancing safety and giving drivers the tools for staying up-to-date on the information regarding their own drug & alcohol test results.
Answers to Your Questions
How much should my deductible be?
As a general rule, your insurance deductible should be as big as you can afford. If you have a loss and you have a $1,000 deductible, you will be responsible for the first $1,000 out of pocket. The larger the deductible, the less you pay in premium.
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Is there an alternative to the MA Fair Plan?
Yes, RogersGray has an exclusive homeowners insurance program called Monomoy. Its rates are comparable to the MA Fair Plan and the coverage is far superior. Request a quote to find out if you’re eligible.
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What does renter’s insurance cover?
Renter’s insurance protects a renter in the event of a fire, burglary, loss of use or other disaster. Depending on coverage options, a renter’s insurance policy covers personal items and assets including but not limited to clothing, computers, televisions, furniture and more. Renter’s insurance is advisable to safeguard your possessions as your landlord’s policy will NOT cover any damage to your residence.
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I’m starting a new business, what insurance coverage will I need?
The basic coverage that will be required when starting your own business is Property, General Liability, Commercial Auto, Professional Liability (Errors & Omissions), Umbrella, and Worker’s Compensation. That being said, insurance needs will vary in different businesses and depending on the industry of your new business there may be other coverage that is legally required. Also note that home-based businesses are not covered under personal insurance policies.
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