Michals James

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Map & DirectionsDirections2000 Commonwealth Ave # 4Auburndale, MA 02466 Write a ReviewWrite Review

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Neighborhood: Auburndale
Categories: Homeowners Insurance, Auto Insurance, Boat & Marine Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Insurance, Liability & Malpractice Insurance, Life Insurance, Property & Casualty Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Phone: (617) 558-7100

Address: 2000 Commonwealth Ave # 4, Auburndale, MA 02466

Michals James

Motor Vehicle

Auto Insurance
Auto insurance is one of the most important insurances you will need. In most states, it is mandatory to have car insurance before you can even register your car. Protect your family from lawsuits due to injury.
Boat Insurance
Inland Marine Insurance
This kind of insurance relates to products on the move, transportation of goods over land. This includes property that is mobile, related to transportation or communication, or otherwise requiring special protection. For example, inland marine insurance could be used to protect your shipments of computers across the U.S., salesman’s samples, contractors’ equipment, merchandise sent on approval, fine artwork or specialty merchandise. Your commercial property policy often does not cover movable assets, and so you may well need inland marine protection. Coverage can protect against perils such as fire, theft, wind, flood, transportation, etc.; or "all-risk" with certain items excluded.

Property

Renters Insurance
Another good reason for having renters insurance is that you could be held responsible for injury to someone or or their property if an incident occurred within your rented residence. Check with your advisor about umbrella protection.
Home Insurance
The number #1 natural hazard in the US are floods, and they occur nationwide. Even though it is affordable, few Americans have this kind of insurance. The sad fact is that homeowners insurance does not cover damage from floods. 3/4 of the homes in the most likely areas to experience flooding do not have coverage, according to the Federal Insurance Administration (FIA). And over the course of 30 years, those homes are 26 times more likely to experience a flood than a fire.
Condo Insurance
Condo owners are often confused about insurance, since the association has it for the building. The problem is that only covers the condominium building, commonly owned property, and liability for the association. If you have damage to your unit from burglary, burst pipes, or fire, you are not covered. In most all condos, you are responsible for the interior walls and your personal property and liability. That’s why you need a good condo insurance policy.

Health and Life

Life Insurance
Life insurance is a vital benefit to anyone who depends on you financially. After you die, it gives cash to your family, which can help them pay bills, living expenses, mortgages, tuition, etc. Life insurance is also not taxable. Whether you are married, a parent, caring for an older parent or have substantial assets, you will find that most people need life insurance to protect their loved ones and cover their final burial expenses.
Health Insurance
Health insurance is the most in-demand insurance today. With hospital expenses rises to an alarming rate, it pays to have a good health insurance plan, especially if you have children.
Disability Insurance
Sometimes people do not consider what would happen if they were sick or injured. Do you have dependents? How would they be cared for? How would you pay your bills? If you own a business, how would it keep going? Believe it or not, your chances of becoming disabled at some point in your career are probably higher than you would think. One out of every 8 people will become disabled for either a short or long period of time. Your chances of being disabled for longer than three months are much greater than your chances of dying prematurely. That’s why having disability insurance is so important, since it can replace part of your income if you are unable to work due to injury or illness.
Long Term Care
Nursing Homes provide comprehensive long-term care from medical to rehabilitative to personal care. Their focus is to help people safely meet their daily social, mental, physical, and medical needs. Nursing homes currently average more than $60,000 per year.
Dental Insurance
Offering a good dental benefits plan is smart economically since employee absence and illness is often related to dental disease or pain. Most medical problems are unpredictable and expensive, whereas most dental problems are predictable and inexpensive to treat. Dental benefits are often listed as one of the most important employee benefits. It makes good sense to invest in a dental insurance plan for your people.

Business

Business Insurance
“Before we met Strategic Insurance Solutions, Inc., we simply gave our personal and business insurance to an old college classmate who had approached us. Over the years, our business has grown and our needs have changed significantly resulting in a need for expanded services and a fresh look at our insurance which is when we approached Jim Michals.
Commercial Property Insurance
Most business property insurance policies exclude coverage for losses caused by steam boiler explosions, mechanical breakdown, or artificially generated electrical current. Boiler insurance protects against those types of losses and is ideally suited for industry and manufacturing.
Workers Compensation Insurance
Workers compensation insurance is required in every state except Texas. It pay for injuries and illnesses that happen at work. Employers are liable even if the employee caused the injury. Workers comp can cover all these areas...
Professional Liability Insurance
The value of Errors and Omissions Insurance is that it protects you if your client claims that something you did on their behalf was done incorrectly, and that this error cost them money or caused them harm in some way. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Errors and Omissions covers legal defense costs and will pay for any resulting judgments against you, up to the coverage limits on your policy. It extends to both W2 employees and 1099 subcontractors.
Builders Risk Insurance
Builders Risk / Installation: This covers buildings under construction, temporary structures at the site, and building materials that are not yet part of the building. The materials are covered while on the insured location, in transit, or in storage. Business income coverage can be added. A contractor's interest in building supplies or in fixtures that the contractor has been hired to install is covered by the installation part of the policy.

Personal

Liability Insurance
With Personal Umbrella insurance, you can a great deal of coverage for reasonable costs. Coverages start at $1 million, but you can go as high as $5 million. The total annual premium for a $1 million umbrella is very affordable.
Jewelry Insurance
Personal Jewelry Insurance provides repair or replacement for loss, theft and damage protection for your jewelry. It does not cover unset stones and irreplaceable items such as antiques or damaged items, items missing stones or pieces, broken watches, and non-jewelry items.

Natural Disaster

Flood Insurance
Under the Residential Condominium Building Association Policy, associations can buy flood insurance coverage up to $250,000 times the number of units. It is recommended that individual residents then buy contents coverage separately-up to $100,000.

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