978-774-4338
Toll Free: 800-287-4338

Working Hours: 8:30AM – 4:30PM Weekdays

Home Insurance
Home Insurance

At Phil Richard Insurance we understand the responsibility associated with owning a home. Not only is your home your most valued asset, it is a roof over your family’s head, a place of growth, familiarity, and comfort.
Read more...

Auto Insurance
Auto Insurance

In Massachusetts, car insurance is something that you have to have, but how do you know what you actually need? Consumers are now constantly inundated with commercials by companies offering deals, quick slogans, and fast quotes; it’s not hard to quickly get overwhelmed by the number of choices. Read more...

Umbrella Insurance
Umbrella Insurance

One of our goals at Phil Richard Insurance is to provide you with peace of mind. An easy and affordable way to achieve peace of mind is to purchase a personal umbrella; coverage extended past the usual limits for you, your family, and your assets. Read more...

Life Insurance
Life Insurance

Phil Richard Insurance provides access to all types of Massachusetts life insurance products. Whether it is a term life policy for a specific need such as family protection, estate tax protection, a court ordered need due to a divorce, mortgage protection, or any other temporary need; we are able to provide easy and quick access to the most competitive Life Insurance Companies in the country. Read more...

Annuities
Annuities

Phil Richard Insurance is able to provide access to a wide variety of annuity products, whether it be an immediate annuity, single premium annuity, or simply an annuity as an investment, we can provide these types of coverages and investments to you. Read more...

Commercial Auto Insurance

Commercial auto policies can be some of the most confusing and frustrating policies for business owners. At Phil Richard insurance, we are committed to creating easy to understand policies that are designed to help protect your business so it can run better.Read more...

Commercial Packages
Commercial Packages

At Phil Richard Insurance Commercial Policy Packages are used to combine coverages such as Property, General Liability, Crime, Inland Marine, Business Interruption and other valuable coverages. Read more...

Commercial Umbrella Insurance
Commercial Umbrella Insurance

At Phil Richard Insurance we are able to provide our clients with Commercial Umbrella and or Commercial Xcess Policies which provide limits of liability insurance that are in excess of the coverages you currently have on your primary policies. Read more...

Corporate and Personal Bonds
Corporate and Personal Bonds

At Phil Richard Insurance we offer bonding for Personal Bonds such as; court ordered, sureties, fidelity, 401K, as well as estate type bonds. We also offer Commercial Bonds such as; dishonesty, janitorial, dishonesty, as well as bid and performance bonds. Read more...

Workers Compensation
Workers Compensation

There is not another agency in the area who offers the number of companies and products associated with Workers Compensation. Workers Compensation has always been regarded as a one dimensional product that every company with employees must have. Read more...

Businessowners
Businessowners (BOP)

Businessowners Insurance has commonly been used for businesses that you might find in a retail, mercantile, mall, downtown, or professional building type location. However, the Businessowners Policy has recently been expanded to handle many more types of businesses such as;Read more...

Recreational
Recreational

At Phil Richard Insurance, we not only offer the premier markets available for antique/classic cars and or auto restoration companies, but also a multitude of markets for: ATV’s, Motor Homes, Boats and Watercraft, Motorcycles, Personal Watercraft, Snowmobiles, and Yachts.Read more...

Specialty Type Policies
Specialty Type Policies

At Phil Richard Insurance, we recognize that our clients count on us for ALL their insurance needs so we have gone to great lengths to bring access to our clients for specialy coverages such as: Wedding, Travel, One day event, Liquor, In Home Business, Jewelry, Fine Arts, as well as many other specialty coverages. Read more...

Professional Liability

At Phil Richard Insurance we know that it is crucial that we give you access to the types of coverages that will minimize your potential legal defense costs such as; Errors and Omissions, Read more...


Niche Markets
Niche Markets

At Phil Richard Insurance, we have gone to great lengths to establish some great niche markets and relationships with Insurance Companies that specialize in these areas. Read more...

Long Term Care
Long Term Care

Phil Richard Insurance is now providing Long Term Care Coverage through New Your Life. It is estimated that 1 out of 3 people knows someone who is dealing with the effects of Alzheimers Disease or dementia.Read more...


Motorcycle Insurance
Motorcycle Insurance

Every rider knows the joy of the feeling of the wind on your face and the roar of the engine, but what about the feeling of being assured that you are well protected whenever you ride?Read more...


Boat Insurance
Boat Insurance

Your boat is your place to be worry free, and at Phil Richard Insurance we want to help keep it that way. You, your family, and your watercraft will be protected under out comprehensive boater’s insurance policy.Read more...