No. But car insurance companies may flag those without a license as high-risk drivers, but you can still get car insurance without a license. You’ll want to find the best car insurance policy for your specific needs. If you won’t be driving, you can get quotes by listing the name and license number of the primary driver of your car.

Yes. In order to register and drive your vehicle in Massachusetts, you are required to at least purchase the state minimum auto coverage and limits. The state considers driving without insurance a civil motor vehicle infraction (CMVI). You could face a $5000 fine, up to one year in jail and the loss of your driving privileges for an entire year.

Yes, everyone in your household should normally be listed on your car insurance policy.

You need to disclose all household members when applying for car insurance. Typically, an auto insurance company will then use the information you have given to include drivers on the policy, exclude drivers from the policy, or not rate certain people on the policy.

All household members should be known to the car insurance company, but do not necessarily have to be listed as covered drivers depending upon the situation. For instance, if you have a son that is 16 but not yet licensed and so he doesn’t drive, they may require that you list him on the policy but will not rate him until he is licensed.

Term life and permanent life are the two main types of life insurance policies. Both offer a tax-free death benefit to your beneficiary/beneficiaries if you pass away. Term life insurance provides coverage for a set period of time and is often the lowest priced coverage option. Permanent life insurance provides the security of lifelong protection and can also build cash value over time.

Life insurance can help protect your family members when they suffer the loss of a breadwinner or stay-at-home parent. Life insurance allows a family to help maintain its standard of living by providing income-tax-free money to help pay for funeral expenses, pay off the mortgage, set aside college tuition for the kids and help provide financial peace of mind after the loss of a loved one.

Workers’ compensation insurance helps protect businesses and their employees from financial loss when an employee is hurt on the job or gets sick from a work-related cause.

All employers must have a workers compensation policy. An employer is any business that employs or hires full-time, part-time or casual workers. When you first apply for cover, the cost of your premium is based on the industry you work in and how much your business pays in wages.

State laws don’t usually require business owners to carry general liability insurance. But, it’s still a good idea to have this coverage. If a customer sues your business and you don’t have coverage, it can put your business’ finances and your personal assets at risk. It’s important to understand your state’s insurance laws. Work with a local insurance agency or our dedicated small business insurance team who can help you make the right decisions when choosing business liability insurance.