MA and RI Commercial Property Insurance
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Always ready to help
Nancy Lawrence Krause
saved me A hell of a lot more than 15% for 15 minutes
That’s pretty amazing!
Everyone there is always so helpful
I’d like to thank Sally Figueiredo
Rhonda M Arruda
best price. super easy to understand
Linda Pratt is great to work with always
exceptional insurance agent
truly one of the best in their industry
Well now I know insurance ins outs ups downs, and will be with them till the end, All members of the Lapointe team in front and behind the scenes are leaders in their fields, never disappoints.
Christine Araujo Pires
kindness, professionalism, availability and willingness to go the extra mile
Ask for John.
Very helpfully staff.
John was great to work with
I am so glad we decided to call Lapointe!
a company that truly cares about their customers
Julie is always very polite and helpful
They truly make you feel like family
Elizabeth Maxim was the best
Great customer service.
Nellie and team are absolutely wonderful!
Best decision I ever made!
Lapointe Insurance reassures me in their excellent work
She went up and beyond to provide excellent customer service
I think she deserves a raise!
didn’t matter if I was 5 miles away or 567 miles away
Joseph Da Camara
I have always received excellent service.
Super easy to work with
best rates for Homeowner and Auto Insurance
John Lapointe is an honest, smart, and hard working insurance agent
My realtor told me about Lapointe Insurance and I got a great price!
Can’t say enough about how helpful and professional John was
All aspects of our experience has been 1st Class
All aspects of our experience has been 1st Class. Thanks for all your help and consideration
My realtor recommended Lapointe
Excellent communication with quick transparent responses
Saved me $$$ too
WOW! Thank you Isabel Carreiro!
The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!
Friendly, knowledgeable, prompt.
amazing customer service, attention to detail, fast & reliable service
Anyone who is looking for amazing customer service, attention to detail, fast & reliable service, this is the guy/company to go to!
incredibly helpful and is always there to support me
timely transfer from AMICA insurance
I saved money and she really shopped
Knowledgeable, helpful & caring
Best insurance agency on the market today
fabulous from start to finish with me and my wife’s flood & homeowners insurance policy
I highly recommend this agency.
Excellent rates and customer service
Great service. Competitively priced. Very friendly and helpful.
Great place with friendly people.
Linda Pratt has been wonderful.
It was a pleasure to work with John
I cannot recommend them more highly.
A pleasure to do business with the office every time!
You’ve spent years building your business. It’s a source of income, but more than that it’s a source of pride. It serves as proof that you’ve realized or are working toward achieving your dreams. But just one theft, one fire, one catastrophe could turn your dream into a nightmare. In Massachusetts and Rhode Island, a commercial property insurance policy can protect you against these risks, and you need the right policy to cover your assets.
Commercial property insurance provides coverage for your building, store, office or shop; furniture, equipment, business inventory; outdoor signs; landscaping; additional structures; fences and much more.
At Lapointe Insurance, we know commercial property insurance. We’re your neighbors and fellow business owners, so we know the risks you face when insuring property. We’ve spent years working hard to provide protection for the businesses our staff does business with every day. We have a genuine interest in protecting your assets and everything you do to contribute to our local community.
There are three types of commercial property insurance policies in Massachusetts and Rhode Island. Basic policies cover only simple risks like fires and storms. A broad form policy extends that coverage to water damage, structural collapse, damage caused by ice, sleet or snow, sprinkler leaks, and more. The third and most comprehensive type of policy is the special form commercial property policy. These special form policies cover everything except floods, earthquakes, war, terrorism, nuclear disaster, inspects and normal wear and tear.
Some common Massachusetts and Rhode Island commercial property coverages are:
- Building occupied by the insured. This insures a building that you regularly use but don’t own. It’s important if you lease of borrow a building.
- Newly acquired of constructed buildings. This provides coverage for new buildings that are added in the middle of a policy term.
- Employees personal property, which protects employees stuff when it is on your premises.
- Off-premises property. To protect equipment, supplies, or other property kept off-site.
- Business interruption, to pay for lost income while you are recovering from a loss.
- Extra expense, which covers the costs associated with getting your business back up and running.
- Valuable papers. This coverage gives some protection for business records or other valuable papers.
- Ordinance or law. If your building costs more to rebuild now because building codes changed since it was first built, this coverage will pay the extra cost.
- Boiler and machinery, which covers building systems like A/C, compressors, steam cookers, boilers, electric water heaters, and others.
- Inland marine. This covers goods in transit by land, air, or inland waterways in addition to unfinished projects and more.
For Massachusetts and Rhode Island businesses, commercial property policies provide replacement cost coverage, actual cash value coverage, or a combination of the two. Replacement cost coverage pays to rebuild or repair your property like-new. It’s not the same as market value and doesn’t include the value of your land. On the other hand, Actual cash value policies pay the price of your property, minus depreciation. If your business is destroyed, actual cash value will likely only pay a portion of what it costs to rebuild.
At Lapointe insurance we know that each business is different. As an independent insurance agency, we have access to a variety of top-rated insurance carriers to choose from and we will customize your insurance coverage to meet your business’ unique needs. Give us a call, stop by our office, or fill out a form on our website to start the conversation.