We Have a Passion for Insurance

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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.

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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.

Condo
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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

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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.

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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.

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Three Locations

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

Lynn, MA
Winthrop, MA
Hamilton, MA

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

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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.

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Our Clients Rave About Us

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

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