Insurance Built Around Your Life

Insurance Built
Around Your Life

We walk through how you actually live, your properties, your work, your responsibilities, then reduce your risk and build protection that fits. You get a dedicated advisor who knows your situation, a written protection plan tailored to your needs, and proactive service as your life evolves.

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Call 781-237-1515

From Straightforward to Sophisticated—We Handle Both

We work with professionals and families who want an advisor relationship, not a transaction. Some clients need us to catch the gaps in their homeowners policy. Others are coordinating coverage across trusts, LLCs, multiple properties, and domestic staff. Most fall somewhere in between.

For 125 years, we've protected New England families through life changes, market shifts, and growing complexity. You get direct access to advisors who understand both the region and your specific needs.

Professionals and Families

You're navigating life changes—buying a home, adding a young driver, accumulating assets. You want someone who reads every policy page and stands by you during claims. You'll get a dedicated advisor who knows your name and gives you peace of mind.

Private Client

You have layered complexity: multiple properties, entities, boards, staff, valuable collections. You need someone who understands how your LLC holds that rental property and coordinates with your wealth advisor. The 1900 Club provides the enhanced coordination and proactive oversight that layered situations require.

Both get the same core approach: straightforward advice, no upselling, no jargon. We tell you what you need to know, even when it's not what you want to hear.

Insurance Is One of the Most Expensive Ways to Manage Risk

We approach things a little differently. First we help you lower your actual exposure, then we look at how that can lower what you pay. We use our Gibson Risk Improvement Planning (GRIP) methodology.

Step 1: Your Risk Review

We go through your full life situation—not just what you own, but how you live. Where are you exposed? What haven't you thought about? We ask questions about contractor certificates, board liability, future earnings, host liquor gaps—the details that don't show up in standard applications. You get confidence that nothing important falls through the cracks.

Step 2: Your Custom Protection Plan

You get a written risk reduction plan with clear next steps. Some fixes are immediate: get that certificate of insurance from your contractor, add your college-age daughter as a listed driver, update your jewelry appraisal. Others are longer-term: restructure how your LLC holds that rental property, increase your umbrella limit before you join that nonprofit board. You'll know exactly what to do, why it matters, and how it protects you.

Step 3: We Stay On It

Life changes. We check in and ask what's changed—at minimum when your policies renew, but more often if your situation requires it. That's how we catch the boat you bought or the watch collection you added before it becomes a problem. You get the peace of mind that comes from knowing someone's paying attention.

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The Questions We Ask

Our approach focuses on walking through your actual life. Here are the kinds of questions that uncover what you're missing:

1. Do you have anyone working on your property?

(Landscaper, nanny, contractor)
We'll tell you to get their certificate of insurance before they start. If they're injured and don't have coverage, you could face a significant lawsuit.

2. Are you serving on a nonprofit board?

We'll tell you to review their D&O policy first. If 20 board members are sharing $1 million in coverage, you need to understand your personal exposure.

3. Do you own coastal property with a state-backed plan?

State-backed plans might satisfy your lender, but they don't include host liquor liability. We'll make sure you're protected if someone leaves your summer party and causes an accident.

4. Have you thought about protecting your ability to earn?

If you're a surgeon, attorney, or executive, your future income is probably your biggest asset—and it needs protection.

Real Situations, Real Advice

"I called Chip about homeowners insurance. He asked to see all of my policies, including the car insurance I'd just bought online. Turns out I only had $10,000 in property damage for my auto policy. Chip caught it immediately. One accident and I could be paying out of pocket for hundreds of thousands in damages. The website recommended coverage for their typical customer, not someone with real assets at risk. I'm glad I spoke to an advisor who understands my actual situation."

— Personal Lines Client, Boston

"We hired a roofer to work on our house. He fell off and broke both legs. My first thought was making sure he was okay, but once I knew he'd recover, I was really concerned: Does he have insurance, or am I about to get sued? Ted walked me through what our policy actually covered and what to do next. He told me to always get a certificate of insurance before anyone works on our property. Now I do."

— 1900 Club Client, Greater Boston

"My house just finished construction at $2.7 million. The insurance inspection came back at $4.2 million for replacement cost. How is it that much more when I literally just built it? Kristen explained why post-loss construction actually costs more and helped me understand what I really needed. That's the kind of straight talk you don't get from a call center."

— Personal Lines Client, Wellesley

The 1900 Club

For households with significant complexity—multiple properties, trusts, LLCs, boards, staff, valuable collections—the 1900 Club provides the enhanced coordination and proactive oversight that layered situations require.

Learn More About the 1900 Club

What We Handle

Home, Auto, Umbrella  & Excess Liability

High-Value Collections (Art, Jewelry, Wine)

Domestic Staff & Employment  Practices

Watercraft & Recreational Vehicles

Coastal & Vacation Properties

Trusts, LLCs & Multi-Entity Structures

Board & Volunteer Liability

Let's Talk About What You're Really Facing

No pressure. No generic pitch. Just a conversation about where your costs are going,
what options exist for your size and industry, and whether a different approach makes sense.
We work with companies throughout Massachusetts and across New England—wherever leaders strive to do more for their people.