Ercolini Insurance

Through the Service Center, you can:

• Request an auto quote
• Request a home quote
• Pay a bill (via carrier or available online billing options)
• Report a claim
• Request online registry services

These options are accessible through the Service Center section of the website or by contacting the office for assistance.

Insurance carriers represented (with phone numbers)

Ercolini Insurance lists the following carriers and contact numbers on its Service Center page:

• Andover / Merrimack Mutual – 800-225-0770
• Commerce Insurance – 800-221-1605
• Massachusetts Property Insurance – 800-392-6108
• Magna Carta / Public Service Mutual – 888-663-7275
• Philadelphia Insurance – 877-438-7459
• Premium Assignment – 800-342-0991
• Safety Insurance – 800-951-2100
• Travelers Insurance – 800-842-5075
• Vermont Mutual – 800-451-5000

For questions about which carriers may be available for your particular policy, contact Ercolini Insurance directly.

Registry and other resources

The Service Center and other pages link to useful resources, including:

• Registry of Motor Vehicles (Massachusetts RMV) – 857-368-8000
• Links to flood risk and flood insurance information
• Links and information about the insurance carriers Ercolini Insurance represents

Claims and billing

• You can often report a claim or pay a bill directly with your carrier using the numbers above or the carrier's own website.
• Ercolini Insurance is also available to help you understand the claims process, discuss how a claim might affect your policy, and coordinate with carriers as needed.

How to get help

• Call 617-227-2150 or email info@ercoliniinsurance.com for assistance with:
• Using the online Service Center
• Finding the correct carrier phone number or website
• Questions about billing, claims, registry services, or other service issues.

Service area and clients

• Serves customers in Jamaica Plain, Boston and the greater Boston Metro area.
• Works with individuals, families, nonprofits, small businesses and underserved urban communities throughout the region.

Agency profile

• Independent insurance agency with over 30 years of expertise in personal and commercial insurance.
• Originally established in 1974; operating with new management since 1990.
• Combines the comprehensive coverage options of a larger agency with the personalized service of a small, family-owned business.
• Focuses on helping clients protect significant financial assets such as homes, automobiles, commercial properties and recreational investments.

How Ercolini Insurance works with you

• Offers personalized consultations to review your situation and coverage needs.
• Provides customized insurance plans designed to safeguard your property and financial security.
• Encourages clients to call, email or use the online service center to request quotes, review coverage, or ask questions about policies and claims.

Lists Philadelphia, Boston, Jamaica Plain, Andover, Merrimack, and Magna as a location. Names Massachusetts and Vermont as a service area. Areas beyond these are not published.

• Covers private passenger vehicles, trucks, tractors, trailers and fleets owned or used by your business.
• Offers a variety of policy forms and coverage limits tailored to business needs.
• Options are available to broaden coverage beyond standard policy forms, depending on your requirements.

Business owner packages

• Package policies combine multiple coverages for efficiency and cost‑effectiveness.
• Typical package components can include:
• Property and contents coverage
• General liability coverage
• Crime coverage
• Packages can also include:
• Non‑owner liability coverage for employees using their own vehicles for business purposes
• Automobile liability for non‑owned or hired automobiles used by your business

Workers' compensation

• All Massachusetts employers are generally required to carry workers' compensation insurance for their employees, including owners who are also employees, with limited exceptions.
• Requirements apply regardless of the number of hours worked, with different rules for domestic employees.
• Ercolini Insurance helps business owners understand and comply with Massachusetts workers' compensation rules and obtain appropriate coverage.

General liability

• A general liability policy insures you against accidental damage occurring as a direct result of your business activities.
• Example from the site: if a plumber accidentally starts a fire while welding a pipe and damages a customer's property, the general liability policy can cover those damages and help protect the business from lawsuit.
• Ercolini Insurance professionals can review your operations and recommend suitable general liability coverage.

Professional liability

• Professional liability insurance protects against claims that your business failed to perform services to expected professional standards (errors and omissions, negligence, malpractice).
• Important for professionals whose advice or services could cause financial harm if they are not performed correctly.
• Ercolini Insurance can help design specialty professional liability coverage that complements your other business policies.

Commercial bonds

• Provides access to a variety of commercial bonds, which may be required for:
• Certain professional licenses (for example, real estate brokers, notaries public, auto dealers, constables)
• Financial transactions, such as replacing a lost money order where a bank requires a bond
• Fidelity bonds to cover losses from employee dishonesty or misconduct
• Ercolini Insurance can explain which types of bonds may be suitable for your business.

Who business coverage is for

• Serves small and midsize businesses, nonprofits and other organizations in Boston and the surrounding Metro area.
• Works with owners to identify risks, select appropriate coverages and combine them into cost‑effective insurance programs.

How to get business insurance help

• Call 617-227-2150 or email info@ercoliniinsurance.com to discuss business insurance needs.
• You can also start through the online service center by requesting a quote or asking for more information.
• An Ercolini Insurance professional will review your business operations and recommend coverages tailored to your situation.

• Offering day care or child care at your business can be a valuable employee benefit, but it introduces significant risk and insurance considerations.
• Issues to think about include:
• Where on your business premises the day care will be located
• Who will run and supervise the facility
• How background checks and certifications will be handled
• What happens if a child is injured or abused
• What happens if a caregiver is injured
• Many of these risks can be insured, but not all carriers are willing to assume them under an existing policy.
• In some cases you may need separate coverage, and the additional cost can be considerable.
• Ercolini Insurance can help you weigh the potential costs and coverage options and reach a financially sensible decision for your business.

Home office and business equipment at home

• Standard homeowner policies typically have limits on property used for business:
• Around $2,500 of coverage while on the residence premises
• Around $250 of coverage while away from the premises
• These limits can often be increased or removed for an additional charge.
• Many carriers offer a computer endorsement that may provide more comprehensive coverage than simply extending the personal property limit to include computer equipment.
• Ercolini Insurance can discuss your home‑based business or home office setup and recommend whether additional coverage or endorsements are appropriate.

Whether to file a claim for a minor auto accident

• The FAQ gives an example of a minor collision with damage estimated at about $1,000, with an auto deductible of $500.
• Whether to file a claim depends on several factors, including:
• Your driving record
• Your prior insurance claims
• The surcharge rules applied by your insurance company
• Auto insurers generally do not impose a surcharge until they have paid more than $500, but the amount and duration of surcharges vary.
• Ercolini Insurance can review your driving and insurance record, estimate the likely impact on your premium and help you decide whether to file a claim or pay out of pocket.

Workers' compensation requirements in Massachusetts

• According to the FAQ, all Massachusetts employers are required to carry workers' compensation insurance for their employees, including themselves if they are also employees of the company.
• This generally applies regardless of the number of hours employees work in a given week.
• Domestic service workers must typically work a minimum of 16 hours per week before the employer is required to provide coverage.
• Ercolini Insurance can help you understand these rules, determine whether your business is in compliance, and obtain any required coverage.

When to contact Ercolini Insurance

• If your situation is similar to any of the scenarios above, or you have other questions about personal or business insurance, Ercolini Insurance encourages you to call 617-227-2150 or email info@ercoliniinsurance.com.
• The agency can review your specific circumstances, explain how your current policies respond, and discuss any additional coverage that may be needed.

• Helps you navigate Massachusetts auto policy rules and rates.
• Works to find cost‑effective coverage that fits your driving profile and vehicle use.
• Can review your driving record and prior claims and discuss how claims might affect your premium before you decide to file.

Homeowner insurance

• Focuses on protecting what is often your largest asset — your home.
• Explains homeowner policy options and how different coverages protect your property and liability exposures.
• Can advise on issues such as coverage for home‑based business property and options to increase or broaden that coverage where available.

Umbrella liability

• Offers umbrella liability policies that provide an extra layer of liability protection above underlying home and auto policies.
• Intended to help protect your most valuable assets against large liability claims or lawsuits.

Other personal coverages

• The agency also offers other personal insurance policies beyond standard home, auto and umbrella coverage.
• Specific options depend on your situation; Ercolini Insurance will review your needs and recommend appropriate personal insurance solutions.

How to get personal insurance help

• Request a quote for home or auto through the online service center or by contacting the office.
• Call 617-227-2150 or email info@ercoliniinsurance.com to discuss your personal insurance needs and coverage questions.
• Ercolini Insurance will review your situation, explain options and craft a coverage plan aimed at protecting your assets and financial stability.

Ask anyway — the agent will say plainly that it is not published rather than guess.