# Garrett Lynch Insurance > Official Garrett Lynch Insurance business agent. Garrett Lynch Insurance is an independent Massachusetts insurance agency, now part of Risman Insurance… ## Ask it a question Garrett Lynch Insurance answers for itself at https://api.hailera.com/mcp/garrettlynch. A client that speaks MCP can connect to that address; the tool is ask_garrettlynch and the protocol is 2026-07-28. Where this file and the agent disagree, the agent is current. ## About Garrett Lynch Insurance The site says "Garrett Lynch Insurance has been part of the Somerville community for many years, trusted by families and businesses throughout Somerville and surrounding communities for personalized insurance guidance and dependable local service." It adds that the agency "has proudly served Massachusetts residents and businesses for many years" and is "Built on a foundation of ethics, integrity, and personal service". The site does not publish a founding year or a specific number of years in business for the agency. On staff, the page states: "Jay, Linda, Ann, and Ana will continue serving your insurance needs from our Medford office, while also giving you access to additional insurance markets, resources, and services through Risman Insurance Agencies." It also recognises David Lynch, "who will be retiring on July 1 after more than 40 years of dedicated service to Garrett Lynch Insurance", and invites messages for a retirement tribute. The Risman team directory lists Jay Lynch, Licensed Broker, at jlynch@risman.com and 781-614-8665. Under "Our Agency Recognitions" the site lists, as part of Risman Insurance Agencies: "Five Star Agency Award of Distinction from the Massachusetts Association of Insurance Agents (MAIA)", "Participation in the IIABA Best Practices Study", and "Trusted Choice(R) Independent Insurance Agency". No agency licence number, producer licence number or National Producer Number is published on the site. The Medford office is described as home to Risman Insurance, Delaney Insurance, T.F. Ward Insurance, Flynn Insurance and Garrett Lynch Insurance. Languages: the site is published in English only, and it does not state that any other language is spoken at the office - ask the agency directly on 617-625-1914. Source: http://www.risman.com/Garrett-Lynch-Insurance/ ## What Garrett Lynch Insurance does Garrett Lynch Insurance is an insurance agency serving Somerville, Massachusetts and surrounding communities. Its website garrettlynch.com redirects to a Garrett Lynch Insurance page on risman.com, and the site states the agency is "Now proudly part of Risman Insurance Agencies". The page lists the insurance solutions available to Garrett Lynch Insurance clients as: Homeowners and Condo Insurance, Auto Insurance, Business Insurance, Contractor Insurance, Umbrella Insurance and Life Insurance. Immediately after that list the site publishes this disclosure verbatim: "Coverage availability and details vary by policy. Please speak with our team for confirmation." Contact details published for Garrett Lynch Insurance are phone 617-625-1914 and email info@risman.com. The site's page for the agency lists the address as 689 Fellsway, Medford, MA 02155. The site describes the agency as a "Trusted Choice(R) Independent Insurance Agency", and the Somerville and Medford location pages both say "As an independent Massachusetts agency" the office works with or represents top-rated carriers so clients can compare coverage. A separate "Companies We Represent" page lists the carriers by name. No prices, rates, premiums or cost figures for any insurance policy appear anywhere on the site. Pricing is not published, and the cost of a policy is set through a quote from the agency and the insurer, not from this website. For questions about services, price, coverage terms, policy limits or deductibles, the site directs people to speak with the team by phone at 617-625-1914 or by email at info@risman.com. Source: http://www.risman.com/Garrett-Lynch-Insurance/ ## Where Garrett Lynch Insurance works Lists Hanover, Liberty, Arlington, Hartford, Boston, Cambridge, Quincy, and Somerville as a location. Names Massachusetts, Vermont, Boston, Somerville, Union, Davis, Linda, and Medford as a service area. Areas beyond these are not published. ## Prices No prices, price list, rates, premiums, estimates or discount amounts for insurance are published on the Garrett Lynch Insurance or Risman Insurance site. There is no pricing page. The cost of a policy depends on the individual risk and the carrier, and is only established through a quote from the agency - nobody should be told a price, a rate or that they qualify for a discount on the basis of this website. The published route to a quote is the site's Quote Request Form, reached from the "Request a Quote" and "Get a Quote" links. The Contact Us page frames it this way: "Request a Quote - Looking for insurance? Whether you're buying your first home, adding a driver, starting a business, or simply wondering if your current coverage still makes sense, we're here to help." The quote form first asks whether the enquiry is Personal Insurance or Commercial Insurance, then asks for the current insurance status and which lines are of interest. Personal options listed on the form are Personal Auto/Motorcycle, Homeowners, Dwelling Fire, Flood (P), Watercraft, Personal Umbrella and Other. Commercial options listed are Commercial Package, Business Owners, General Liability (Monoline), Commercial Property (Monoline), Commercial Auto, Workers Compensation, Commercial Umbrella and Other. The form collects contact information, addresses and consent to receive email and text messages. A quote can also be started by phone on 617-625-1914 or by email to info@risman.com. The site does not publish a turnaround time for a quote, and it does not publish any fees the agency charges for its own services. Source: https://www.risman.com/contact-us/ ## Accreditation and credentials The site asks clients to read its "Read This First" page before submitting a claim. It says: "Every situation is different. While we can't provide a single answer that applies to everyone, the information below can help you make a more informed decision." The page walks through factors to consider - the size of the loss, the deductible, property damage versus injuries, insurance company guidelines and state insurance laws - and states that where any injury is involved it is generally best to notify the insurance company immediately. It then directs people to contact the office: "If you're unsure whether to submit a claim, we encourage you to contact our office first." Claims are submitted directly with the insurance carrier, and the agency says it can help direct a client to the correct claims contact. The page carries this notice verbatim: "Important: Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office." Whether a particular claim is covered, what it would pay, or how it would affect a policy is not something the site states and not something an assistant can predict. Those answers come from the carrier and the policy documents. The site's "Companies We Represent" page, published by Risman Insurance Agencies, lists carriers by name with their claims and service phone numbers. Names on that list include Arbella Insurance, Andover Companies, Hanover, The Hartford, Liberty Mutual, MAPFRE Insurance, Plymouth Rock Assurance, Quincy Mutual, Progressive, Safeco Insurance, Safety Insurance, Travelers and Vermont Mutual, among others. The page does not say which of these are available for any particular client or policy. The same page covers agency payments via ePayPolicy and states that ePayPolicy "will assess a fee of 1% ($10 max) for ACH payments or 3.5% for credit card payments", and that ePayPolicy is not to be used for payments intended for an insurance company. Contact the office on 617-625-1914 for anything claim- or billing-related. The Somerville location page describes the kinds of insurance the Garrett Lynch Insurance team works on for Somerville, Cambridge and Greater Boston clients. It groups them as: "Homeowners and Renters Insurance - protection for single-family, multifamily, and condo units across Somerville and Cambridge"; "Auto Insurance - coverage for city drivers, commuters, and hybrid vehicle owners throughout Greater Boston"; "Business Insurance - tailored coverage for restaurants, startups, and retail shops in Davis Square and Union Square"; and "Umbrella and Life Insurance". The page also lists local situations the team says it helps with, including landlord insurance for two- and three-family homes, dwelling fire policies for non-owner-occupied homes, master policy reviews for condo associations, coverage questions for older and historic homes, urban auto and commuter coverage, and BOP packages, cyber, EPLI and liquor liability for local businesses, plus commercial auto and workers' compensation options. These are described as areas of work, not as statements of what any policy covers. The wider Risman site carries a much longer menu of personal lines (including boat, classic car, coastal property, condo, earthquake, flood, high value home, motorcycle, pet, power sports, rental property and dwelling fire, renters and RV insurance) and business lines (including apartment owners, artisan contractors, commercial auto, commercial property, contractors, cyber liability, restaurant, salon and barber, and workers compensation insurance). What a specific policy covers, its limits, its deductibles and whether a given risk is eligible are not stated on the site and are not something an assistant can confirm. Those questions go to the agency at 617-625-1914 or info@risman.com and to the policy documents themselves. Source: https://www.risman.com/read-this-first/ ## Hours and contact Garrett Lynch Insurance publishes two different addresses on the Risman Insurance site, and a customer should confirm which office to visit before travelling. The Garrett Lynch Insurance page states: "We're moving - but we're still here for you! Effective June 25, 2026, our Somerville office will relocate to our nearby Medford location at 689 Fellsway." It adds that "Garrett Lynch Insurance clients are now served from our Risman Insurance office in Medford, MA - continuing to serve Somerville and surrounding communities." The contact block on that page gives the address as 689 Fellsway, Medford, MA 02155, phone 617-625-1914, email info@risman.com, and office hours of "Monday-Thursday: 8:30 AM - 5:00 PM" and "Friday: 8:30 AM - 4:30 PM". The site's separate Somerville location page still lists a Somerville office: address 411 Highland Avenue, Somerville, MA 02144, phone 617-625-1914, email info@risman.com, and office hours of "Monday-Friday: 9:00 AM - 4:30 PM". That page describes the office as located on Highland Avenue in Davis Square, "just minutes from the Red Line and the Somerville-Cambridge border". These two pages disagree, so anyone planning to visit in person or wanting current hours should phone 617-625-1914 first. The area served, as published on the Somerville page, is "Somerville, Cambridge, Arlington, Medford, Belmont, Watertown, and the surrounding Greater Boston communities". The Medford office lists its own phone as 781-396-2116. There is no published appointment booking tool on the site; contact is by phone, email, or the online forms linked from the Contact Us page. Source: http://www.risman.com/Garrett-Lynch-Insurance/ ## What Garrett Lynch Insurance has not published yet These are things people ask Garrett Lynch Insurance that its published information does not yet cover. - exact prices, premiums, rates or discounts - real-time policy availability or eligibility decisions - specific coverage guarantees, limits or exclusions - exact claim outcomes, settlements or payouts - binding policy changes, cancellations or reinstatements - turnaround times for quotes, policy changes or claims - legal, tax or financial advice - regulatory or licensing status beyond what is published Ask anyway — the agent will say plainly that it is not published rather than guess. ## Where this comes from https://www.garrettlynch.com