The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
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As an independent agency, we are here to help you find the right coverage.
PJ Lombardo Insurance Agency Inc.
Learn more about our agency.
At PJ Lombardo Insurance Agency Inc., our number one goal is to help you and our community find the right insurance policy to fit their needs. We use a family-oriented and community-conscious approach to insurance. When you work with us, we take the time to understand your unique risks, and we help you find the right insurance coverage to help protect what matters most.
Our experienced agents are happy to help answer your insurance questions and guide you through the process. Insurance can be complicated. We’re here to simplify it for you and help you understand your policy and your coverage so that way you have peace of mind knowing you and what’s important to you are secure.
Your insurance is a must, so go with an insurance agency you know, like, and trust. PJ Lombardo Insurance Agency Inc. is happy to help you.
The Solution To Your Insurance Needs
Providing a variety of personal insurance and business insurance solutions is what PJ Lombardo Insurance Agency Inc. does best.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
What Makes PJ Lombardo Insurance Agency Inc. Special
Here’s what sets us apart when it comes to serving your insurance needs.
Community Focused
We give back to our community and get involved with the organizations we support.
Clients Come First
We go the extra mile to exceed your expectations, with our family-oriented approach.
Experienced Agents
With 40+ years combined experience, we understand what it takes to bring you quality coverage.
Do you own any commercial vehicles?
Please be advised that under new regulations, all heavy-duty commercial vehicles in Massachusetts are required to register for and display a USDOT number.
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
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Contact PJ Lombardo Insurance Agency Inc.
As an independent agency, we are here to help you find the right coverage.
Holden, MA
789 Wachusett Street
Holden, MA 01520
Serving clients across Massachusetts and New Hampshire, including Rutland, MA, Paxton, MA, Princeton, MA, and Sterling, MA.
