McSweeney & Ricci Insurance Agency. Inc.

Coverage and pricing that works for you.

Every business has unique and special insurance needs that must be addressed with specifically tailored insurance coverage. We understand your operations and take the time to stay current on the important issues that affect you, your business, and your industry.

At McSweeney & Ricci, we offer special insurance programs for the following industries:

Arborists
Bakeries
Carpet
Concrete
Demolition Contractors
Electrical Contractors
Elevator Contractors
Fabricators and Manufacturers
Fence Dealers, Contractors
Formal Wear
Fuel Oil Dealers
Landscapers
Liquor Stores
Museums
Office Furniture
Painters
Plumbing and Heating
Restaurants
Roofers
Seafood Processors
Septic
Sheet Metal
Wholesalers
Woodworkers

Arborists

Pardon Us for Going Out on a Limb

At last, an arborist program is available that offers the most complete protection for your business. We're offering you an insurance protection program that's ideally suited for your needs.

The types of coverage we offer include:
-Herbicide/Pesticide Coverage
-Contractor Equipment Coverage
-Business Auto
-Transit Coverage
-Snow Plow Coverage
-Workers’ Compensation
-Property & Liability
-Same day Issuance of Certificates of Insurance

So don't let inadequate insurance coverage uproot your business. Make the right move now. Put this program to work for you today.

Bakeries

With the Right Ingredients You'll Get the Best Results

We put our insurance programs together just as carefully as you prepare your bakery products. We won't provide cookie cutter solutions. Instead our specialized insurance program is designed to meet your business needs and solve any problems. We make sure you have every important coverage and solid insurance protection.

The types of coverage we offer include:
-Food Spoilage
-Workers’ Compensation
-Commercial Property & Liability
-Products Liability
-Loss of Income
-Business Automobile
-Replacement Cost Coverage
-Umbrella Coverage
-Equipment Breakdown Coverage
-Outdoor Sign Coverage

We’ll make sure you have all the right ingredients to properly insure your business.

Carpet

McSweeney & Ricci offers a specialized insurance program specific to your business. We understand your unique needs as we have provided coverage for carpet companies for over 40 years.

Our comprehensive coverage protects the investment you have made in your business, while our competitive prices protect your bottom line.

Available coverages include:
-Business Interruption
-Business Auto
-Crime
-Equipment Coverage
-General Liability
-Property
-Umbrella Coverage
-Workers’ Compensation
-Inland Marine Coverage
-Bailee’s Coverage

To assist your business in minimizing and preventing loss, McSweeney & Ricci offers risk management solutions and a dedicated claims department to process claims quickly and in the appropriate manner.

Concrete

In your business, you cannot cut corners. Your reputation is built on a foundation of quality work. The same is true in insurance.

McSweeney & Ricci has unique expertise in insuring professionals in the concrete industry.

Ordinary business insurance policies simply do not respond to the uncommon needs of concrete professionals. Our program is an exceptional solution for your business. We offer a customized coverage plan suited to your specific needs and will work to provide you with the best price.

Bringing over 40 years of experience working with concrete professionals, McSweeney & Ricci offers a comprehensive coverage plan, which may include:

-Workers’ Compensation
-Commercial Property & Liability
-Equipment Coverage
-Umbrella Coverage
-Business Interruption
-Business Auto
-Certificates of Insurance via phone, fax or web

Demolition Contractors

Demolition is a risky business. Depending upon the job, crews may be working with a wrecking ball and crane or even explosives on job sites with falling debris and rubble. With your crews facing hazardous situations on a daily basis, it’s your job to make sure you and your employees, as well as the public, are protected in the event that anything goes wrong.

As one of the largest independent insurance agencies in New England, we write with numerous top-rated insurance companies and are able to offer you a competitively priced insurance program tailored to your business’ specific needs.

The types of coverages available include:
-Contractors’ Equipment
-Property
-Workers’ Compensation
-Commercial General Liability
-Commercial Automobile
-Loss of Business Income
-Goods in Transit
-Employee Dishonesty

Electrical Contractors

We're The Right Connection For You.

Put the power of our specialized insurance program to work for you today.

McSweeney & Ricci is a specialist in your field, we offer an insurance protection program ideally tailored to your business’ needs.

The types of coverages available include:
-Commercial Property
-Commercial Liability
-Labor Reimbursement Coverage
-Contractor’s Equipment and Installation Floater
-Business Auto
-Business Interruption
-Workers’ Compensation

It makes sense to work with professionals who are already plugged into your business.

Elevator Contractors

Whether you're servicing, selling or installing in the vertical transportation business, we have the elevator insurance program that's right for you. McSweeney & Ricci Insurance has the hard-to-find coverages and expertise to help your business. With our program you receive the support and knowledge from an agency with over 40 years of experience working with your industry. Best of all, with a liability general aggregate limit that applies to each job – not the policy period – your bottom line will be better protected.

The types of coverage available include:
-General Liability
-Commercial Property
-Business Interruption
-Workers’ Compensation
-Business Auto
-Umbrella Coverage
-Loss Control Services

Don't let the ups and downs of the business leave you unprotected. McSweeney & Ricci will explore how this specialized elevator insurance program will support your specific needs.

Fabricators and Manufacturers

Fabricators and manufacturers count on us for our expertise and leadership. McSweeney & Ricci becomes a valuable member of your team, one who is both proactive and responsive. We stay directly involved in your industry and up-to-date on the trends and important issues affecting you and your business. You will benefit from our services and our experience by receiving a tailored insurance program designed to meet your specific requirements.

The types of coverage available include:
-Commercial Property & Liability
-Business Auto
-Workers' Compensation
-Business Interruption
-Umbrella Coverage
-Accidental marring or scratching of molds, dies, patterns or plates
-Theft of precious metals protection

Our comprehensive tailor-made program provides your manufacturing and fabricating business a program with more protection and more value.

Fence Dealer, Contractors

Feeling Fenced In? We'll open up ways to help your business.

As a professional in the fence industry, you cannot afford to miss opportunities, especially when it comes to the protection of your business. With our new insurance program for Fence Contractors and Dealers, we're opening up ways for you to save money, maximize coverage and help your business.

This comprehensive program includes:
-Workers’ Compensation
-Commercial Property & Liability
-Business Auto
-Contractor’s Equipment and Installation Floater
-Umbrella Coverage
-Business Interruption
-Same day issuance of certificates
-Quick and efficient claims handling
-A team of insurance professionals who understand your business

Formal Wear

Your customers expect the right fit, and so should you when it comes to insurance. McSweeney & Ricci offers a tailored insurance program specific to your business. We have been providing coverage for formal wear companies for over 40 years, so we understand your unique needs.

Our comprehensive coverage plan is designed to protect the investment you have made in your business, while our competitive prices also protect your bottom line.

The types of coverages available include:
-Business Interruption
-Business Auto
-Crime
-Equipment Coverage
-General Liability
-Property
-Umbrella Coverage
-Workers’ Compensation

To assist formal wear companies in minimizing and preventing loss, McSweeney & Ricci offers risk management solutions and a dedicated claims department to process claims quickly and in the appropriate manner.

Fuel Oil Dealers

Finally, An Insurance Program That Delivers!

We encourage you to experience what other fuel oil dealers have learned – McSweeney & Ricci offers a tailored program with coverages that are right for you. Since we have a thorough understanding of your industry and your needs, we can deliver an enhanced program at a competitive price.

-Comprehensive Pollution Coverage
-Workers’ Compensation
-Commercial Property & Liability
-Business Automobile
-Equipment Coverage
-Miss Delivery of Liquid Product
-Weather Watch Coverage
-Lost Key Card Coverage, Fuel Contamination & Erroneous Delivery for $50
-Many Other Optional Coverages Are Available!

Let us deliver an insurance program that lowers your costs while maximizing coverage.

Landscapers

Every business has unique and special insurance needs. Landscape contractors and nurserymen in particular have a variety of risk exposures that must be addressed with specifically tailored insurance coverage.

As active members of the Associated Landscape Contractors of Massachusetts (ALCM), we know the ins and outs of your business. It's our specialty. McSweeney & Ricci is one of the largest providers of insurance for the green industry in Massachusetts. Which means you'll benefit from our expertise and knowledge.

McSweeney & Ricci’s unique insurance program for landscapers offers more than just standard coverage, by offering:
-Herbicide/Pesticide Application Coverage
-“XCU” (explosion, collapse & underground) Coverage
-Contractor Equipment Coverage
-Transit Coverage
-Snow Plow Coverage
-Competitive rates for business, auto, general liability, and umbrella coverage

It makes sense to go to the landscape insurance experts. We'll dig up the information you need!

Liquor Stores

Our insurance program is designed to provide shelves of options to protect your liquor store. We understand the liquor industry – from product loss to extra liability – and are equipped to meet all your insurance needs. It is our goal to present you with the most comprehensive insurance plan to ensure your spirits are always flowing.

We offer the following coverage:
-Property Insurance
-Crime/Employee Dishonesty
-General Liability
-Employee Benefit Liability
-Liquor Liability
-Workers’ Compensation and Employer’s Liability
-Business Auto
-Umbrella/Excess Liability
-Equipment breakdown coverage
-Business income coverage
-Tenant glass
-Peak Season endorsement
-Money & Securities coverage

To assist liquor stores in minimizing and preventing loss, McSweeney & Ricci offers risk management solutions and a dedicated claims department to process claims quickly and in the appropriate manner.

Museums

You Don’t Need The Mona Lisa On Display To Be At Risk

Works of art are irreplaceable pieces of history, which is why it’s important to have insurance that will keep your risks to a minimum. We understand the risks you face as a museum owner, and our insurance is specially crafted to keep your business and artwork safe.

We offer the following coverage:
-Fine Arts Insurance
-Public Liability
-Property Damage
-Legal Liability
-Workers’ Compensation
-Employer’s Liability

Office Furniture

As a purveyor of furniture, you realize the importance of saving money while receiving extra value for your dollar, especially when it comes to your insurance program. But, McSweeney & Ricci offers even more. Since our insurance agency has a thorough understanding of the furniture business and your specific needs, we offer tailored programs with specific coverage options. What does this mean for you? It means a comprehensive, tailor-made program and an opportunity to trim costs while increasing coverage.

The coverage options we offer include:
-Workers' Compensation
-Commercial Property & Liability
-Equipment Coverage
-Business Interruption
-Business Auto
-Umbrella Coverage

Painters

We understand painters are exposed to a variety of risks, and we have tailored our insurance program to help keep you protected. Our insurance solutions ensure that your business maintains its color regardless of what problems may arise.
Our insurance program will suit all of your business needs.

We offer the following painter’s coverage:
- Business Auto
-Liability Insurance
-Home Warranty
-Tools of Trade
-Personal Accident
-Income Protection and more.

Plumbing and Heating

An Insurance Program that Won't Put a Wrench in Your Plumbing and Heating Business Plans!
With the McSweeney & Ricci team behind you, you can be sure things will run smoothly. With all the pressure you have on the job, you don’t need to worry about the protection of your business. As plumbing and heating insurance specialists, we understand your business and know the issues affecting it. McSweeney & Ricci Insurance Agency has an insurance protection program that's ideally suited for your business needs.

The types of coverages that we offer include:
-Commercial Property
-Commercial Liability
-Labor Reimbursement Coverage
-Contractors Equipment and Installation Floater
-Business Auto
-Workers’ Compensation
-Business Interruption
-Commercial Crime

Don't let an inappropriate insurance program get you clogged up. Put this trouble-free program to work for you today.

Restaurants

Catered to Your Needs as a Restaurant Owner
Our insurance program is designed to provide you with a menu of options to protect your restaurant. We understand the restaurant industry – from perils in the kitchen to the dining room – and we are equipped to meet all your insurance needs. It is our goal to present you with the broadest and most comprehensive insurance plan to ensure that your business withstands the heat when the temperature rises.

Roofers

Protect Your Bottom Line and Stay On Top of Your Business

The roofing insurance specialists at McSweeney & Ricci take care of your business needs today and for the future. As active members of the Northeast Roofing Contractors Association (NERCA), we understand the roofing business, and stay on top of the issues that are important to you. McSweeney & Ricci has an insurance protection program that's ideally suited for your business needs.

We offer the following coverage:
-Property & Liability Coverage
-Loss of Business Income
-Roofing Materials Coverage
-Contractor’s Equipment & Installation Floater
-Business Auto
-Workers' Compensation
-Umbrella Coverage
-Roofing Contractors Limited Pollution Liability
-Contractors Broadened General Liability Endorsement (17 coverage enhancements)
-Extended Contractual Liability
-Design Service Liability

So, don't let an inadequate insurance program cause you to worry about your bottom line. Talk to the experts.

Seafood Processors

Any way you cut it, this is one great program!
McSweeney & Ricci has packaged up a comprehensive seafood processors insurance program tailored to your needs. It's cost-effective, and it's available now.

Special coverages you may choose to receive include:
-Spoilage coverage
-Transit coverage
-Business Personal Property including Off-Premises coverage
-Boiler & Machinery coverage
-Products/Completed Operations coverage
-Business Income and Extra Expense coverage for actual loss up to 12 months
-Business Auto
-Competitive Workers’ Compensation plans

Put our experience to work for you. You'll join other seafood processors who have benefited from “hooking up with us.”

Septic

With the McSweeney & Ricci team behind you, you can rest assure things will run smoothly. With all the pressure you have on the job, you should not worry about the protection for your business. As septic company insurance specialists, we understand your business and know the issues. McSweeney & Ricci Insurance Agency has an insurance protection program that's ideally suited for your unique business needs.

Don't let an inappropriate insurance program get you clogged up. Put this trouble-free program to work for you today.

Sheet Metal

Like all business owners, you realize the importance of saving money while receiving extra value for your dollar, especially when it comes to your insurance program. But, McSweeney & Ricci offers even more. We have a thorough understanding of the sheet metal industry, we offer tailored programs with specific coverage options. What does this mean for you? It means a comprehensive, tailor-made program and an opportunity to trim costs while increasing coverage.

The coverage options we offer include:
-Workers' Compensation
-Commercial Property & Liability
-Equipment Coverage
-Business Interruption
-Business Auto
-Umbrella Coverage

Wholesalers

When your business is constantly on the move, it's critical to have the best protection. McSweeney & Ricci's wholesalers' program insures that you are covered for today and what lies ahead. After more than forty years of insuring wholesale businesses, we know your needs and how to address them – with comprehensive coverage and appropriate strategies.

McSweeney & Ricci has an in-depth understanding of inventory, distribution and the seasonal realities of your business.

The coverage we offer includes:
-Commercial Property & Liability
-Up to 25% automatic additional coverage for seasonal fluctuation in inventory
-$50,000 Transit coverage
-$500,000 in Business income and Extra Expense
-$100,000 for Loss of Income sustained from damage to property owned by your suppliers
-Automatic Additional Insured status for retail vendors
-Additional $50,000 Accounts Receivable coverage
-$100,000 additional coverage for property off premises
-$100,000, product recall expense
-Optional Equipment Breakdown Coverage

To make sure your wholesale business has been looked at closely from all angles, it's time to talk with the wholesaler insurance experts at McSweeney & Ricci.

Woodworkers

We Covered All the Angles
As a woodworker, you realize the importance of saving money while receiving extra value for your dollar, especially when it comes to your insurance program. McSweeney & Ricci offers much more. Since our agency has a thorough understanding of the woodworking industry and your needs, we offer tailored programs with specific coverage. What does this mean for you? It means a comprehensive, tailor-made program and an opportunity to trim costs while increasing coverage.

The coverage options we offer include:
-Workers' Compensation
-Commercial Property & Liability
-Equipment Coverage
-Business Interruption
-Business Auto
-Umbrella Coverage
-Inland Marine Coverage