Specialty Programs

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Specialty Business Insurance Programs

Custom business insurance solutions to protect your company and mitigate risk

We understand your operations and take the time to stay current on the important issues that affect you, your business, and your industry. With comprehensive insurance protection, you can rest assured your business is protected in every way.

Specialty Programs

Coverage as unique as your business

One size does not fit all when it comes to business insurance. Each business has unique needs that must be addressed with specifically tailored insurance coverage.

We work with you to design an insurance program suited to your needs. Our business insurance team will provide support while only recommending the coverages you actually need.

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At McSweeney & Ricci, we offer special insurance programs for a wide array of industries:

ArboristsAt last, an arborist program that offers the most complete protection for your business. We’re offering you an insurance protection program that’s ideally suited for your needs. Here’s the type of coverage that’s available:

  • Herbicide/Pesticide Coverage
  • Contractor Equipment Coverage
  • Business Auto
  • Workers’ Compensation
  • Property & Liability
  • Same day Issuance of Certificates of Insurance

Competitive Pricing

We represent numerous, top-rated insurance companies which allows us to select the best combination of coverage at the most competitive price.

Flexibility

Throughout the year, we’ll review your coverage and make adjustments to meet your business’ changing needs. We will ensure your business always has the proper levels of protection.

Risk Management

We’re loss control experts and our claims department will assist you in minimizing and preventing loss. Our dedicated approach to your business includes a professional risk exposure consultation, on-site claims handling and a customized claims kit. If your business experiences a loss, our claims department will process claims quickly and efficiently. So don’t let inadequate insurance coverage uproot your business. Make the right move now. Put this program to work for you today.

BakeriesWe 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

For a taste of what our bakery insurance program could do for your business, please call McSweeney & Ricci.

CarpetMcSweeney & 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.

ConcreteOrdinary 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 ContractorsDemolition 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 coverage available include:

  • Contractors’ Equipment
  • Property
  • Workers’ Compensation
  • Commercial General Liability
  • Commercial Automobile
  • Loss of Business Income
  • Goods in Transit
  • Employee Dishonesty
Electrical ContractorsWe’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. Contact Us

Fabricators and ManufacturersFabricators 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.

LandscapersEvery 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 Massachusetts Association of Landscape Professionals (MLP), 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 StoresOur 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

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

MuseumsYou 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

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

Office FurnitureAs 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
PaintersWe 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
  • Income Protection
  • Home Warranty
  • Tools of Trade
  • Personal Accident
Plumbing and HeatingWith all the pressure you have on the job, why worry about the protection for your business? Let the plumbing and heating insurance specialists take care of you. For your needs today and in the future. We understand your business and know the issues. McSweeney & Ricci Insurance Agency has an insurance protection program that’s ideally suited for your business needs. Here’s the type of coverage that’s available:

  • Commercial Property
  • Commercial Liability
  • Labor Reimbursement Coverage
  • Contractors Equipment and Installation Floater
  • Business Auto
  • Workers’ Compensation
  • Business Interruption
  • Commercial Crime

So, don’t let an inappropriate insurance program get you clogged down. Put this trouble-free program to work for you today.

RestaurantsCatered 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.We offer the following coverage:

  • Property Insurance
  • Crime/Employee Dishonesty
  • General Liability
  • Employee Benefit Liability
  • Liquor Liability
  • Workers’ Compensation and Employer’s Liability
  • Auto/Valet Liability
  • Umbrella/Excess Liability
RoofersProtect 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 ProcessorsAny 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.

SepticWith 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. 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

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

Sheet MetalLike 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

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

WholesalersWhen 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
  • Contractor Equipment 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.

WoodworkersWe 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
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“Congratulations on your 50th Anniversary. It’s no wonder you’ve been in business as long as you have …. excellent customer service provided by a fantastic group of professionals! We are delighted to be one of your loyal customers. Here’s to many, many years of continued success.”
New England Grows, Inc. – Virginia Wood, Executive Director
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Business XYZ – Cohassett, MA
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Business XYZ – Cohassett, MA
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Business XYZ – Cohassett, MA