Zemaitis Baker Insurance

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Homeowners Insurance, Auto Insurance, Boat & Marine Insurance

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Today: 9:00 am - 5:00 pm

37 Years

in Business

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(508) 752-7777Call Visit WebsiteVisit Website Map & DirectionsDirections108 Shrewsbury StWorcester, MA 01604 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	9:00 am - 5:00 pm

Places Near Worcester with Homeowners Insurance

Shrewsbury (7 miles)
North Grafton (8 miles)
Auburn (9 miles)
Millbury (9 miles)
Leicester (10 miles)
West Boylston (11 miles)
Sutton (13 miles)
Holden (13 miles)
Northborough (14 miles)
Westborough (14 miles)

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Email

BBB Rating

Extra Phones

Fax: (508) 752-8580

Neighborhood

Shrewsbury Street

AKA

Baker Zemaitis Insurance

Zemaitis/Baker Insurance Agency

Other Links

http://www.zemaitisbaker.com

https://zemaitisbaker.com

Categories

Homeowners Insurance, Auto Insurance, Boat & Marine Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Insurance, Insurance Consultants & Analysts, Liability & Malpractice Insurance, Life Insurance, Motorcycle Insurance, Property & Casualty Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Details

Phone: (508) 752-7777

Address: 108 Shrewsbury St, Worcester, MA 01604

Website: http://www.zemaitisbaker.com

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Zemaitis Baker Insurance

Auto Insurance
Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely driving their own cars for your business.
Motorcycle Insurance
* Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
Boat Insurance
Larger and faster boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.

Renters Insurance
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included–but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and what the limits are.
Home Insurance
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Condo Insurance

Health and Life

Life Insurance
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations...
Health Insurance
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
Disability Insurance
BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You’ll need separate insurance policies to cover professional services, vehicles and your employees.

Business Insurance
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.
Workers Compensation Insurance
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Professional Liability Insurance
Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients.

Liability Insurance
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides.

Natural Disaster

Flood Insurance
Congress created the NFIP in 1968 in response to the rising cost of taxpayer-funded disaster relief for flood victims and the increasing amount of damage caused by floods. The NFIP makes federally backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. The NFIP is self-supporting for the average historical loss year. This means that unless there is a widespread disaster, operating expenses and flood insurance claims are financed through premiums collected.
Earthquake Insurance
If you live in an area prone to these disasters, you will need to purchase seperate flood and earthquake policies. Flood insurance is available through FEMA’s National Flood Insurance Program ( https://www.floodsmart.gov/floodsmart/pages/index.jsp ). Both flood and earthquake insurance can be purchased through your insurance agent.

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