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  • We offer a wide variety of insurance solutions.
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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.

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.

Our Clients Rave About Us

Check out our reviews and see why you should switch to PJ Lombardo Insurance Agency Inc.

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Please be advised that under new regulations, all heavy-duty commercial vehicles in Massachusetts are required to register for and display a USDOT number.

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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.


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. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
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 plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


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.


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.

Rental Coverage / Loss of Use
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.


Rental coverage/ loss of use 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

Make sure you cover the unique risks you face with auto insurance.

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  Contact PJ Lombardo Insurance Agency Inc.

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

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.

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