Skip to main content

We Have a Passion for Insurance

Prefer to talk directly?

Call: 855-322-4509 or Email:

At 4 Insurance LLC, we are here to serve you and our community.

Learn About 4 Insurance LLC

We are a woman-owned and led independent insurance agency with the passion for service you’re looking for. Our goal from day one has been to be there for you when you need us. As an independent agency, our focus is helping you protect the people and things that matter most to you. That’s why, whether you’re an individual, family, or business looking for coverage, we’ll help you find solutions that work for you. Because we are independent, we work with a variety of top-rated insurance companies to offer you the power of choice when it comes to your coverage options.

More than that, though, we have the experience in the industry to guide you towards protection that works for you. Even though our agency was founded in 2021, we have several decades of experience in the insurance industry, helping clients like you find coverages to protect what matters. In fact, even though our agency is young, we’re already award-winning, having been named Women Business of the Year by the North Shore Latino Business Association. That’s why you can trust us to take care of your needs.

Learn About Us
About Our Agency - 4 Insurance LLC Lynn Office Interior

Read Our Agency Reviews

At 4 Insurance LLC we exceed expectations.

Diversity at Our Core

4 Insurance LLC has been named a certified minority and woman business enterprise (MBE and WBE) with the Massachusetts Supplier Diversity Office.

Betterments and Improvements
Risk Factor

Any betterments, improvements, alterations, or additions made to your condominium are subject to damage. However, it’s important to make sure they’re covered appropriately.


Be sure to obtain coverage for any betterments, improvements, alterations, and additions made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.

Personal Property
Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.


Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Additional Living Expenses
Risk Factor

Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.


Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.

Personal and Family Liability
Risk Factor

You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.


Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.

Medical Expenses
Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.


Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Loss Assessment
Risk Factor

If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.


Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.

Physical Damage
Risk Factor

Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.


Be sure your condominium owner, association, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

The Solution to Your Insurance Needs

4 Insurance LLC offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

Request Quote

Paying It Forward

We believe in supporting our community and helping other entrepreneurs start and grow their own businesses. After serving you and your insurance, it’s the thing we’re most passionate about.

Learn More

Visit Us

From our Massachusetts office, we proudly serve clients throughout the state and surrounding areas in Connecticut, Maine, and New Hampshire.

You can find our office within the Enterprise Center of Salem State College.

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are insurance professionals.

An Independent Agency Gives You Options

We proudly represent Liberty Mutual, Progressive, and more!

Our Associations

4 Insurance LLC - Logo 800 White

Manage Your Policies

Already a 4 Insurance LLC client? Visit our Service Center to pay a bill, request a certificate, report a claim, and more.

Visit Service CenterClient Login

Our Clients Rave About Us

Check out our reviews and see why you should switch to 4 Insurance LLC.

Read Our Google Reviews

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact 4 Insurance LLC

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 855-322-4509 or