The Coverage You Need

What’s New . . .



Andrew specializes in life insurance and financial planning for individuals and businesses.



Key Features of the New Rental Law

v  Takes Effect July 1, 2019 on units leased after January 1, 2019

v  Homeowners must register their properties with the MA Department of Revenue

v  They must collect a state lodging tax of 5.7% to short-term rentals, along with any applicable city, town or regional (Cape Cod) taxes

v  Requires property owners to carry liability insurance of at least 1 million for each short-term rental.

v  Exempts properties rented for less than 14 days per year from taxation, but they still must be registered and insured.

Mass Dept of Revenue Link 


Short Term Rentals (Airbnb,Vrbo etc.) – *NEW MASSACHUSETTS LAW*

Although the law doesn’t take effect until July1, 2019, it applies to booking being made NOW (since January 1, 2019) for stays on or after July 1, 2019.  Mass implemented a law to address a rental tax bill and new insurance requirement.  If you are operating short term rentals on any properties we insure, please contact us as soon as possible as additional coverage is needed to be properly covered.  Please see attached notice on key features of the new rental law.

Homeowner’s who rent for 14 days or less per year can apply for an exemption from taxes, but they are still required to register and insure the property.



Insure your favorite family member with us!  We now offer affordable insurance for your dog or cat.

Give our office a call for a quote.

“We purchased Pet Insurance from Conte Insurance and saved $30 a month from our previous carrier for better coverage.  Thank you for making it so quick and easy.  Only the best for our pets!”         – Chris G.


Do you owe more on your vehicle than it’s worth??  For less than $40 per year, purchase GAP Coverage NOW!!!


We recommend that you

  • Carefully read and understand the rental agreement BEFORE you sign it.
  • Check with your credit card company for available coverages.
  • Call us BEFORE so we can review and discuss your options.


Snow Removal plates are part of the Commercial Plate series, and for this reason vehicles registered with Snow Removal plates can also be used in warm weather months and may legally operate on the ways of the Commonwealth and haul other commodities (sand, gravel, rock, coal, etc.) during the period of registration.

These plates are issued to customers who use their vehicles as snow plows or salt/sand vehicles in the winter and for other uses during the rest of the year. Snow Removal plates are valid for one year (regardless of the vehicle’s weight), with an expiration date of September 30th.


Snow Removal plates were issued beginning in 2004 to eliminate the burden of multiple registration transactions some customers had to go through annually. Commercial Normal plates were generally used on snow plow vehicles prior to that time (and some still are) but because Commercial plates expire in December of each year, many snow plow customers needed three (3) plate transactions per year. They obtained new Commercial plates in the fall to prepare for the upcoming snow season, then they needed to renew the plates in January, and most of these customers then chose to cancel the plates in the Spring after the snow season had ended.

Snow Removal plates are part of the Commercial Normal plate series and have the prefix SR (snow removal). The plate numbers consist of SR1000 – SR9999. Any customer eligible for a Commercial plate is eligible for a Snow Removal plate. Registration fees and renewal fees for Snow Removal plates are calculated the same way that they are for Commercial Normal plates. The only exception is that the fee for a Snow Removal plate is not prorated. Snow Removal plates are available in all full-service branches.