The top-rated disability insurance agent in Southborough, Massachusetts is Fitts Insurance, rated 4.9 stars across 107 reviews. Other highly rated options include Gaudette Insurance Agency, Inc., Marsh Kemp Insurance | Hilb Group, Capital Insurance Co.. This directory lists 11 disability insurance agents serving Southborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fitts Insurance | 30 Turnpike Rd #3 | (508) 620-6200 |
| 2 | Gaudette Insurance Agency, Inc. | 5 E Main St | (508) 480-9540 |
| 3 | Marsh Kemp Insurance | Hilb Group | 120 Turnpike Rd | (508) 366-6161 |
| 4 | Capital Insurance Co. | 65 Turnpike Rd | (413) 853-0132 |
| 5 | Hayden Wood Insurance Agency, Inc. | 30 Turnpike Rd #5 | (508) 229-8700 |
| 6 | G A Lamy Insurance Agency, Inc. | 5 E Main St | (508) 485-3306 |
| 7 | Hilb Group | 120 Turnpike Rd | (508) 791-5566 |
| 8 | Access Enroll | CORDAVILLE OFFICE BUILDING, 153 Cordaville Rd Suite 120 | (508) 481-2600 |
| 9 | Gould & Naimoli Partners - a Hilb Group Company | 120 Turnpike Rd Ste 300 | — |
| 10 | The Northwestern Mutual Life Insurance Company: Kanan Sachdeva | 257 Turnpike Rd #300 | (508) 251-7202 |
Fitts Insurance serves the disability insurance needs of individuals and businesses in the Southborough, Massachusetts, area and the greater MetroWest region. The agency assists local professionals in securing coverage that replaces a portion of their income if they become unable to work due to illness or injury. Its work also focuses on helping business owners set up group disability plans for their employees and advising on policy options. Specific services it handles include individual long-term disability insurance and short-term disability coverage.
Gaudette Insurance Agency, Inc. in Southborough, MA provides a range of disability insurance agent services for clients throughout the region. It assists individuals with evaluating their income protection needs and navigating policy options tailored to their specific circumstances. The agency also offers ongoing service and maintenance plans to review and update existing policies as life circumstances change. These plans help ensure consistent coverage for long-term stability. It serves single-family homes, apartments, retail locations, and restaurants seeking financial protection.
Marsh Kemp Insurance | Hilb Group serves homeowners, businesses, and property managers in the Southborough area needing disability insurance protection. The agency helps clients secure coverage that replaces a portion of lost income if an injury or illness prevents them from working. Policies are tailored to fit individual professional needs and financial situations. Claims assistance is provided to guide clients through the process of receiving benefits. The company also extends its services to clients in the neighboring community of Framingham and across the wider MetroWest region.
Capital Insurance Co. specializes in disability insurance agent services in Southborough, MA, helping individuals evaluate options for income protection against illness or injury. It guides clients through the process of comparing policy terms and coverages. General service work includes explaining benefit periods, elimination periods, and occupation-specific definitions. This assistance helps residents protect their earnings year-round. It also helps with planning for the added financial strain that often accompanies seasonal layoffs in the local construction and landscaping sectors.
Hayden Wood Insurance Agency, Inc. serves the Southborough, Massachusetts area and its surrounding communities, handling a range of disability insurance needs for local residents and businesses. It focuses on helping clients secure policies that provide income protection in the event of an illness or injury that prevents them from working. The agency evaluates each individual's occupation and financial situation to recommend appropriate coverage options. It handles the typical job by guiding clients through the application and underwriting process step-by-step.
G A Lamy Insurance Agency, Inc. in Southborough, MA distinguishes between one-time disability insurance policy placements and recurring service options, including annual policy reviews and ongoing claims support. Coverage is centered on protecting a client’s income against injury or illness, with plans tailored for both short-term and long-term disability needs. Client service operates on both a scheduled basis for annual check-ins and an as-needed basis for urgent policy adjustments or claim filings.
Hilb Group serves the Southborough, Massachusetts area as a disability insurance agent, providing coverage solutions for individuals and businesses seeking income protection. The agency assists clients with short-term and long-term disability policies designed to safeguard against lost earnings due to illness or injury. They guide customers through the process of comparing policy options and completing applications. A specialty service this agent can add on is a buy-sell disability policy to protect business partnerships.
As the seasons change in Southborough, residents often find themselves reassessing their financial safety nets, particularly when a sudden illness or injury threatens their income. Access Enroll serves as a disability insurance agent, helping local professionals explore policies that replace lost wages during recovery. The agency focuses on presenting clear plan comparisons so clients can choose coverage that matches their budget and lifestyle. An initial assessment of current earnings and occupation risks begins when a prospective policyholder schedules a meeting to review their options.
The Northwestern Mutual Life Insurance Company: Kanan Sachdeva serves residential clients in Southborough, Massachusetts, by securing income protection policies for individuals. Commercial coverage is also arranged for local small businesses needing disability insurance for key employees. The service area extends throughout Southborough and the surrounding Worcester County communities. Follow-up consultations are offered between regular visits to adjust policy terms as client circumstances change.
What Does a a Disability Insurance Agent in Southborough Cost?
The cost of disability insurance in Massachusetts typically ranges from 1 percent to 3 percent of your annual income. For a 40 year old earning 60000 per year a policy might cost between 600 and 1800 annually. Premiums vary based on age health occupation and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Southborough
Disability insurance agents in Southborough Massachusetts help individuals and businesses find the right coverage to protect income. Massachusetts requires employers to offer a state mandated paid family and medical leave program but private disability insurance can provide additional benefits. A local agent can guide you through policy options and the claims process.
Frequently Asked Questions
What does a disability insurance agent in Southborough do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms such as elimination periods and benefit amounts. They also assist with filing claims and understanding your rights under Massachusetts law.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However employers with more than 25 employees must provide paid family and medical leave through the state program. A private disability insurance agent can help you supplement that coverage with a personal policy.
How long do I have to file a disability insurance claim in Massachusetts?
The time limit to file a claim depends on your specific policy. Most policies require you to submit a claim within 30 to 90 days of becoming disabled. Massachusetts law also gives you up to three years to file a lawsuit if your claim is wrongfully denied.