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Massachusetts Insurance

Insurance like you’ve never experienced it before.

Click Insurance is more than an independent insurance agency.  We’re a single solution for insurance, risk management,
and financial protection that serves Massachusetts residents from our headquarters in Watertown MA.

Massachusetts Insurance

As a Massachusetts resident or business owner, there are different kinds of insurance you’ll need; some policies which are legally required and others because you want to protect yourself financially against unforeseen circumstances. Typically, buying Massachusetts insurance has always been a hassle. It required that you called around and set up meetings with various local insurance agents to inquire about policies, compare rates, and, finally, to buy insurance. But here at Click Insurance, we make it easy to read up on the coverage we have and to purchase it at a click of a button–no matter where in Massachusetts you might be!

Simplify Your Insurance

We’ve streamlined the entire insurance process so that you can do everything you need to do on our website from the comfort of your own home. The whole process won’t take more than three steps:

Click

Our website is true to our name: it’s easy to find what you’re looking for at a glance and to access the information you need at the click of a button. Want to look at the types of coverage we have to offer? You can choose from three main categories: personal insurance, business insurance, and employee benefits. Each category has a large list of coverage options that you can further explore.

Insure

Once you’ve read through our coverage options and have found the insurance that best fits your particular needs, all you need to do is fill out our online form to receive a free quote. Our online form is easy to access–you can click on the Get In Touch link or the Get a Quote Link present on every page. All of our insurance coverage writeup pages include contact forms as well, which means you’ll rarely have to navigate through our site to find a way to reach us. You can also simply call us at (617) 580-3499 to speak to one of our representatives about your Massachusetts insurance needs directly if you prefer.

Done

Once we have connected, we’ll help guide you through the rest of the process. Our friendly agents are very experienced and knowledgeable about Massachusetts insurance laws, which means that they can help determine what coverage you are legally required to have as well as what coverage would best suit your specific needs. Once we’ve helped sign you up to a policy, you can do everything you need to do from our website, including paying your monthly premium and filing any claims.

Types of Insurance We Offer in Massachusetts

We have an extensive list of coverage options available here at Click Insurance. While this is by no means a comprehensive list of our Massachusetts insurance options, here are a few examples of what we do offer:

Auto Coverage

If you own a car in Massachusetts, you’re required by law to carry auto insurance. This ensures that you’re covered should you get into an accident, whether the accident is your fault or not. Auto insurance will help to cover the costs of injuries caused by the accident to both you and your passengers as well as the costs of any property damage that occurred. As a Massachusetts vehicle owner, you will be required to have the following four types of coverage:

  1. Bodily injury caused to others – Minimum coverage of $20,000 per person and $40,000 per accident.
  2. Personal injury protection – Minimum coverage of $8,000 per person in an accident.
  3. Bodily injury caused by an uninsured vehicle – Minimum coverage of $20,000 per person and $40,000 per accident.
  4. Damage to another person’s property – Minimum coverage of $5,000 per accident.

We have a number of different optional auto insurance coverages available as well, including collision insurance, comprehensive insurance, rental car coverage, and towing and labor.

Homeowners

Homeowners insurance isn’t required by Massachusetts state law; however, almost all lenders require borrowers to purchase homeowner’s insurance. Unless you’re paying for your new house out of pocket, you won’t have a choice. Even if you aren’t taking out a mortgage, homeowner’s insurance is a good idea. Without homeowners insurance, you could face hefty costs if you have to make significant repairs to your home or if someone sues you because they were injured while on your property.

The standard homeowners insurance policy will generally cover replacement costs, personal possessions (up to a determined limit), your home’s structure, liability protection, and additional living expenses (should you have to stay elsewhere during repairs). There are plenty of optional coverages that you can purchase as well, such as earthquake and flood policies, valuable articles/floater policies, and animal liability policies.

Business Insurance

If you own a business in Massachusetts, then business insurance is a no-brainer. Without it, any number of financial challenges could bankrupt your company in an instant. Here at Click Insurance, we can help determine what kind of coverage your specific business needs. We offer a wide range of coverage options, including property insurance, liability insurance, performance bonds, employer practices liability, auto insurance, group disability, and more.

Life Insurance

Life insurance is not something that you should dismiss until you’re near retirement age. It doesn’t matter how young or healthy you are, anything can happen at any time. Life insurance helps provide your family with financial security should anything happen to you. Without it, the loss of income that they may have depended on as well as the associated costs of a passing (such as funeral expenses) may be too much to handle. We understand that it’s a sensitive subject, but we’re here to help you choose the life insurance policy that will best suit you and your family’s needs. We offer several different life insurance coverage options, including level term life insurance, decreasing life insurance, universal life insurance, and variable life insurance.

Workers’ Comp

If you own a business in Massachusetts and have employees, you are required by law to have workers’ compensation. Workers’ compensation helps to cover the medical bills and loss of income that your employees may experience as a result of falling ill or experiencing an injury while on the job. It also helps protect you against any lawsuits as a result of any workplace accidents that might occur. There are stiff financial penalties involved if you don’t have the proper workers’ compensation insurance. We can help make sure that you get the policy you need to remain compliant with Massachusetts state law.

Group Benefits

While you don’t have to provide insurance to your employees, offering insurance is a good way to gain their loyalty. It’s also a good way to attract prospective employees throughout Massachusetts. We offer several types of group benefits plans to provide health insurance coverage for your employees, including group health insurance, group dental insurance, group disability insurance, which includes both short-term and long-term disabilities, and group life insurance.

We are Click Insurance

Don’t be fooled by the fact that we are an online insurance company — our leadership has more than six decades of experience in the insurance industry and our headquarters are located in Watertown, Massachusetts. It is our goal to not only provide you with the personal or business insurance coverage that fits your specific needs (and that meets all Massachusetts state legal requirements), but to make the process of finding and buying the insurance you need as simple as possible. We also happen to be members of the Renaissance Alliance, which means we have more insurance options to choose from than the typical local agency.

News From Our Blog

While researching your insurance needs, be sure to follow our blog. We regularly publish helpful tips and guides on a variety of insurance-related topics. We even post articles that can help you avoid the potential need to file insurance claims, such as articles full of safety tips!

Forego the stress and time usually involved with trying to find the right personal or business insurance for you and reach out to us at Click Insurance instead. We’ll help make the process of finding and buying the Massachusetts insurance policy you need much less of a hassle.

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