Guides
Guides.
Plain-English working papers for Massachusetts households, and for the owners, CFOs, and risk managers who run mid-market companies. Each guide is reviewed against current carrier behavior and the state's actual rules. We update them when the market moves, not on a calendar.
These are reference documents, not sales material. Use them to interrogate your current program, brief a board, or prepare for a renewal conversation. If you want us to read your specific tower and shop it, our services page shows how we place and service coverage.
Massachusetts personal lines
Auto, home, and umbrella in Massachusetts.
Massachusetts runs its own auto insurance system, and most national advice reads wrong here. These guides explain how the state's rules actually work before you compare quotes.
Personal home insurance
How home insurance works in Massachusetts.
How a Massachusetts homeowners policy is built, what it covers, how wind deductibles and flood exclusions work, and the state cancellation and FAIR Plan rules.
Last updated 2026-07-10
Read the guidePersonal Auto (MA)
The Massachusetts SDIP: how merit rating sets your premium.
How Massachusetts merit rating works: SDIP surcharge points, the 6-year experience period, excellent driver credits, and how to appeal an at-fault determination.
Last updated 2026-07-07
Read the guideMassachusetts auto
How car insurance works in Massachusetts.
Managed competition, the four compulsory coverages and their July 2025 minimums, the credit-score ban, PIP, and the MAIP assigned-risk pool, explained for Massachusetts drivers.
Last updated 2026-07-07
Read the guideCommercial
Coverage reviews for operators.
Technology E&O
Technology E&O insurance for software and SaaS companies
What technology E&O covers, how the market underwrites software firms, how it differs from generic professional liability, and where it overlaps with cyber.
Last updated 2026-06-22
Read the guideCyber
How to review a cyber liability tower
Read a cyber tower like an underwriter. Sublimits, war exclusions, ransomware coinsurance, IR panels, and the gotchas operators miss.
Last updated 2026-04-17
Read the guideRenewal
The commercial insurance renewal checklist
A 90-day checklist for mid-market operators. What to gather, what to question, and what to negotiate before the effective date.
Last updated 2026-04-17
Read the guideMore on the way.
We publish as the work surfaces patterns worth documenting. Topics in queue include the Massachusetts SDIP merit rating system, umbrella coverage over auto and home, the FAIR Plan for coastal property, and claims advocacy after a denial. If you have a specific question that’s not yet covered, the fastest path is a direct conversation through our contact form.