MA and RI Commercial Property Insurance

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A pleasure to do business with the office every time!

I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!
Lapointe Insurance
5.0
2017-09-20T19:37:36+00:00
I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!

I highly recommend this agency.

Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.
Lapointe Insurance
5.0
2017-09-20T19:16:55+00:00
Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.

The BEST

Donna is most helpful, the BEST
Lapointe Insurance
5.0
2017-09-20T19:36:02+00:00
Donna is most helpful, the BEST

Knowledgeable, helpful & caring

Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.
Lapointe Insurance
5.0
2017-09-20T19:37:55+00:00
Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.

Linda Pratt is great to work with always

Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.
Lapointe Insurance
5.0
2017-09-20T19:17:30+00:00
Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.

Best decision I ever made!

Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.
Lapointe Insurance
5.0
2017-09-20T19:20:32+00:00
Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.

That’s pretty amazing!

Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!
Lapointe Insurance
5.0
2017-09-20T19:19:08+00:00
Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!

Highly recommend.

Excellent service. They always look to find the best coverage for their clients. Highly recommend.
Lapointe Insurance
5.0
2017-09-20T19:41:50+00:00
Excellent service. They always look to find the best coverage for their clients. Highly recommend.

Linda Pratt has been wonderful.

Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.
Lapointe Insurance
5.0
2017-09-20T19:07:17+00:00
Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.

I have always received excellent service.

Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.
Lapointe Insurance
5.0
2017-09-20T19:22:37+00:00
Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.

Well done!

Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!
Lapointe Insurance
5.0
2017-09-20T19:38:56+00:00
Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!

Great place with friendly people.

Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.
Lapointe Insurance
5.0
2017-09-20T19:20:03+00:00
Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.

Everyone there is always so helpful

I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.
Lapointe Insurance
5.0
2017-09-20T19:21:48+00:00
I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.

All aspects of our experience has been 1st Class

Have been a customer for going on 3 years and could not ask for better more professional service.
All aspects of our experience has been 1st Class. Thanks for all your help and consideration
Lapointe Insurance
5.0
2017-09-20T19:19:41+00:00
Have been a customer for going on 3 years and could not ask for better more professional service. All aspects of our experience has been 1st Class. Thanks for all your help and consideration

Excellent rates and customer service

I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.
Lapointe Insurance
5.0
2017-09-20T19:39:25+00:00
I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.

Very helpfully staff.

Lapointe Insurance
5.0
2017-09-20T19:17:51+00:00

Friendly, knowledgeable, prompt.

Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.
Lapointe Insurance
5.0
2017-09-20T19:36:31+00:00
Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.

Exceptional service!

Exceptional service! The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.
Lapointe Insurance
5.0
2017-09-20T19:15:13+00:00
The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.

I cannot recommend them more highly.

We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.
Lapointe Insurance
5.0
2017-09-20T19:38:31+00:00
We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.

I think she deserves a raise!

My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!
Lapointe Insurance
5.0
2017-09-20T19:41:16+00:00
My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!

Absolutely amazing!

We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!
Lapointe Insurance
5.0
2017-09-20T19:42:20+00:00
We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!

Excellent staff

Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me
Lapointe Insurance
5.0
2017-09-20T19:20:55+00:00
Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me

She went up and beyond to provide excellent customer service

Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!
Lapointe Insurance
5.0
2017-09-20T19:18:43+00:00
Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!

WOW! Thank you Isabel Carreiro!

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!!!
Lapointe Insurance
5.0
2017-09-20T19:40:51+00:00
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!!!

Julie is always very polite and helpful

Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.
Lapointe Insurance
5.0
2017-09-20T19:39:54+00:00
Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.
5.0
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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.