The top-rated business insurance agent in Falmouth, Massachusetts is Arthur D. Calfee Insurance Agency, Inc, rated 4.8 stars across 288 reviews. Other highly rated options include Murray & MacDonald Insurance Services Inc, The Baldwin Group (formerly RogersGray), Almeida & Carlson Insurance Agency. This directory lists 11 business insurance agents serving Falmouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Arthur D. Calfee Insurance Agency, Inc | 336 Gifford St | (508) 540-2601 |
| 2 | Murray & MacDonald Insurance Services Inc | 406 Jones Rd | (800) 800-8990 |
| 3 | The Baldwin Group (formerly RogersGray) | 763 Main St | (508) 548-2500 |
| 4 | Almeida & Carlson Insurance Agency | 79 Davis Straits | (508) 540-6161 |
| 5 | Additional Insurance MA | 336 Gifford St | (508) 205-9521 |
| 6 | Bridges Insurance Group / Lawrence-Carlin Insurance | 230 Jones Rd | (508) 540-7100 |
| 7 | Peggy Vose | 230 Main St Unit 8 | (508) 494-4056 |
| 8 | Safety Northeast Insurance Agency, Inc. | 194 Worcester Ct | (508) 548-1148 |
| 9 | Dfm Insurance | 668 Main St UNIT 201 | (508) 540-4555 |
| 10 | DISCOVERY INSURANCE | 366 Main St | (774) 763-5597 |
Arthur D. Calfee Insurance Agency, Inc. serves businesses throughout Barnstable County and the Falmouth area by matching them with suitable business insurance policies. This agency helps local companies manage their unique liability risks, ensuring they meet coverage requirements for their industry and location. They work with commercial property owners to protect physical assets from common regional perils such as storms or fire. Additionally, the agency handles workers’ compensation policies for Falmouth employers.
Murray & MacDonald Insurance Services Inc provides business insurance solutions for local enterprises in the Falmouth, Massachusetts area, including general liability and property coverage tailored to commercial risks. The agency offers ongoing service and policy maintenance support to help clients keep their coverage aligned with evolving operational needs. It services a range of property types, such as single-family homes converted for business use, apartments, retail storefronts, and restaurants.
Serving homeowners, small businesses, and property managers, The Baldwin Group (formerly RogersGray) provides business insurance policies protecting assets, liability, and daily operations in Falmouth, MA. Its agency team works to find coverage for local commercial enterprises, including seasonal and year-round ventures along Cape Cod. The firm also assists clients in neighboring Mashpee, ensuring area employers secure appropriate protection against regional risks.
Serving Falmouth and the surrounding Cape Cod communities, Almeida & Carlson Insurance Agency handles a range of business insurance policies. It works closely with local enterprises to assess their operational risks and unique coverage needs. The agency typically meets with each client to review property, liability, and other essential protections. To complete a job, it examines the company’s daily exposures and then customizes a policy that addresses those specific challenges.
When seeking a business insurance agent in Falmouth, MA, clients typically choose between a single consultation for a policy review or an ongoing partnership. Additional Insurance MA provides this service by first analyzing a company’s liability, property, and worker protection needs to match coverage with local commercial risks. Guidance then covers essential policies such as general liability and commercial auto, ensuring compliance with state regulations. Service operates on a one-time, scheduled, or as-needed basis, arranged through direct contact with the agency’s Falmouth office.
Bridges Insurance Group / Lawrence-Carlin Insurance in Falmouth, MA specializes in securing commercial property, general liability, and workers’ compensation coverage for local businesses. It works closely with clients to assess operational risks and tailor policies that protect against financial loss. Its service includes reviewing evolving coverage needs as business conditions change. It also helps seasonal enterprises in the Cape Cod area address unique liability exposures that arise during peak tourist months, ensuring adequate protection through increased traffic and temporary staffing fluctuations.
As seasonal storms and fluctuating tourism revenues create unique risks for Falmouth businesses, Peggy Vose crafts tailored coverage plans for local shops, restaurants, and service providers. This agency works closely with each client to identify liabilities specific to the Cape Cod market, from slip-and-fall exposures to supply chain interruptions. The process begins with a thorough on-site inspection, assessing property conditions, inventory values, and employee safety protocols to structure an appropriate policy.
Safety Northeast Insurance Agency, Inc. is a Business Insurance Agent in Falmouth, Massachusetts, known for assisting local enterprises with their coverage needs. The agency offers a standard range of commercial policies designed to protect businesses from common operational risks such as property damage, liability claims, and worker injuries. Its service area focuses on the Cape Cod region. For companies with specific risk profiles, the agency can provide an add-on for inland marine coverage to protect goods in transit and onsite equipment.
Dfm Insurance provides businesses in Falmouth with comprehensive coverage tailored to their operational risks. As a dedicated business insurance agent, the company focuses on securing policies that address general liability, property protection, and specialized supplementary coverage for unique industry needs. Their services extend to a variety of commercial sectors, including professional offices requiring cyber liability endorsements, warehouses needing robust inventory and equipment safeguards, and food service establishments that demand protection for equipment breakdowns and liquor liability.
Discovery Insurance provides residential insurance services to homeowners in Falmouth, Massachusetts, and the surrounding Cape Cod area. The agency also helps local business owners secure commercial coverage for their shops, restaurants, and professional offices. By working with multiple carriers, they tailor policies to fit each client’s unique risks and budget. After a claim or an annual policy review, the agent contacts clients to address any changes in their needs or property, ensuring continued support between regular visits.
What Does a a Business Insurance Agent in Falmouth Cost?
Typical costs for a small business insurance policy in Massachusetts range from $500 to $3,000 per year for general liability, with workers compensation adding $1,000 to $5,000 annually depending on payroll and industry. Commercial property insurance for a Falmouth business may cost $1,000 to $4,000 per year. Actual premiums vary based on location, business type, revenue, and claims history. This is general information and not insurance advice.
About business insurance agents in Falmouth
Business insurance agents in Falmouth, Massachusetts help local companies manage risk and meet legal requirements. Massachusetts law requires most employers to carry workers compensation insurance if they have one or more employees. Falmouth businesses also face unique coastal risks such as storm damage and flooding, making tailored coverage essential.
Frequently Asked Questions
What types of business insurance do Falmouth companies need?
Common policies include general liability, property insurance, workers compensation, and commercial auto. Massachusetts requires workers compensation for nearly all employers with one or more employees. A local agent can help you assess additional needs like flood or cyber insurance.
How do Massachusetts laws affect business insurance in Falmouth?
Massachusetts has strict workers compensation laws with penalties for noncompliance. The state also requires commercial auto insurance with minimum liability limits of 20/40/5. Falmouth businesses near the coast may also need to consider wind and flood coverage not included in standard policies.
Can a Falmouth business insurance agent help with seasonal risks?
Yes. Many Falmouth businesses operate seasonally, especially in tourism and hospitality. An agent can help you adjust coverage levels during active months and reduce premiums during off seasons, while ensuring continuous protection for your property and liability.