Products & Services

Business and Commercial

If you are a business owner, you have a lot more important things to do than worry about your insurance programs. At James J. Sullivan Insurance Agency, Inc., we help you assess your company's needs, and we access the best products at the best prices. We have a full range of coverage to protect you and your business:

  • Property - Buildings & Contents
  • General and Professional Liability
  • Business Automobile
  • Professional Liability
  • Errors & Omissions
  • Directors & Officers Liability
  • ERISA Bonds
  • Employer Practices Liability
  • Liquor Law Liability
  • Flood Insurance
  • Group Health, Life & Disability
  • Selective Incentive Plans
  • Key Person Life and Disability
  • Salary Continuation Plans
  • Buy-Sell Agreements
  • Smarter Move
  • Smarter Choice
  • Mass DPU Decal Application
  • DPU App for Mass Authority

Independent Contractors: Will the Solution Become Your Problem

By Jon Coppelman - Lynch Ryan

Reprinted by permission from The Standard, May 12, 2006

We all know what the problem is: the construction industry throughout New England is rife with uninsured "independent contractors." When these people are injured, liability for their lost wages and medical bills occasionally gravitates to the general contractor (GC). When that fails, the state's second injury fund usually picks up the tab. [ more ]

Workers' Compensation Problems?

Let us show you how to really save money though a thorough analysis of your experience modification rating and the development of a plan to ensure its lowest possible impact on your rate.

Maximize your employee benefits - minimize the impact on your bottom line

Are you a business with 10 or more employees? Whether you are looking to enrich benefits for your entire staff or a custom plan for your executive team, we now offer a suite of financial products that can be tailored to your company's needs - from traditional Group Benefit plans to Voluntary Benefits that can be offered to your employees at no cost to your company. We offer:

  • Group Health & Dental
  • Short- and Long-Term Disability
  • Term Life
  • Variable Life
  • Whole Life
  • Key Person
  • Buy/Sell
  • Estate Planning
  • Financial Planning
  • Long-term Care
  • Critical Illness

As your trusted agent, we would be happy to conduct a no-obligation benefit assessment plan for your company or a life assessment plan for you and your key staff.