Serving all of New England

Claims Center

To file a claim with your account representative, please contact the office at 800-342-3859 between the hours of 8:00 am and 4:30 pm. If you need to file a claim and our office is closed, please choose from the following list and report the claim directly to your insurance carrier.

A.I.M. Mutual

To file a claim directly with the carrier, visit them online at  www.aimmutual.com.

Andover

To file a claim directly with the carrier, call 800-225-0770.

Arbella

To file a claim directly with the carrier, call 800-272-3552 or online at www.arbella.com.

Atlantic Charter

To file a claim directly with the carrier, visit them online at www.atlanticcharter.com.

Chubb

To file a claim directly with the carrier, call 800-252-4670 or online at www.chubb.com.

To file a workers’ compensation claim, call 800-699-9916.

Hanover

To file a claim directly with the carrier, call 800-628-0250 or online at www.hanover.com.

Safety

To file a claim directly with the carrier, call 800-951-2100 or online at www.safetyinsurance.com.

The Hartford

To file a claim directly with the carrier, call 800-327-3636 or online at www.thehartford.com.

Travelers

To file a claim directly with the carrier, call 800-252-4633 or online at www.travelers.com.

To file a business claim directly with the carrier, call 800-238-6225 or online at www.travelers.com.

FAQ’s

What should I do if I get into a car accident?
  1. Contact the police immediately. If someone is injured, request medical assistance and/or the fire department.
  2. If it’s safe to do so, move your vehicle out of the way of oncoming traffic and turn on your hazard lights.
  3. Gather all relevant information about the accident, including:
    • The driver’s/owner’s name, license number, phone number, address, and vehicle information (year, make and model, plate number)
    • The driver’s/owner’s insurance company and their policy number
    • The name, phone number, and address of any witnesses
    • The date and time of the accident and where it took place
    • A brief synopsis of any injuries for all parties involved
  4. Take photos of the damage at the scene, including damage to the other vehicle(s) involved.
  5. Report the claim to your insurance company or your McGrath account representative. We’ll talk you through what will happen next.
  6. File a Motor Vehicle Crash Operator Report to the Registry of Motor Vehicles (RMV) and the responding police department.
What should I do if I have a glass claim?
  1. Before you file a claim, determine if the glass can be repaired instead of being replaced. A windshield can be repaired if:
    • The point of impact is smaller than a quarter
    • The crack is less than 6 inches (about the size of a dollar bill)
    • The damage doesn’t obstruct the driver’s vision
    • There are less than three chips in the glass
  2. If it can’t be repaired, contact your insurance company or your McGrath account representative to schedule an appointment to have your windshield replaced.
What should I do if there’s a loss or damage to my home?
  1. Most importantly, make sure everyone in your home is safe. Your family should have a plan of where to meet up in the event of a disaster.
  2. Immediately call the police after a theft or burglary or the fire department.
  3. Report the claim to your insurance company or your McGrath account representative. We’ll ask for some general information, such as the date the loss occurred, the location of the loss, and a brief description of what happened.
  4. Document the damage to your home with photos and video.
  5. To prevent further damage and protect your property, make any reasonable and necessary repairs, such as:
    • Shutting off the water after a plumbing leak or major loss
    • Securing your home from theft or burglary
    • Moving or protecting your personal property
    • Calling a clean-up service
  6. After a covered loss, your insurance company may reimburse you for these preventative expenses. Be sure to keep a record of the measures you take to protect your home and receipts of all repairs.
  7. If you are unable to stay in your home, your policy might provide coverage for additional living expenses such as housing and hotel expenses, dry cleaning, animal boarding fees, and food expenses. Hold onto your receipts for these extra costs.
  8. Have an inventory of your home prepared for the insurance adjustor. This will help to speed up the claims process. If you don’t have a home inventory, you can create one by downloading our Home Inventory Guide.
What should I do if there’s a loss or damage to my business?
  1. Most importantly, make sure everyone is safe.
  2. Report the claim to your insurance company or your McGrath account representative. We’ll ask for some general information, such as the date the loss occurred, the location of the loss, and a brief description of what happened.
  3. If the loss is due to a crime, contact the police and obtain a copy of the report.
  4. Document the damage to your business property with photos and video.
  5. If the area is safe, take measures to prevent further damage to your business. Your insurance company may reimburse you for these expenses so keep records and receipts of any repairs.
  6. Prepare an inventory of all business property destroyed, damaged or stolen. Be sure to include any invoices, bills and documents that substantiate the loss. Remember not to dispose of or destroy any damaged products or tangible items.
  7. If your business is forced to close temporarily or relocate, you can file a business income and extra expense claim, so long as you carry this type of coverage. This can reimburse you for ongoing business activity and transactions while recovering, expenses operating from a temporary location, and ongoing expenses you have to pay for while your business is closed.
What should I do if an employee suffers a work-related injury or illness?
  1. If you witness an accident or injury or an employee reports a work-related injury or illness, you will need to file a workers’ compensation claim.
  2. Notify your insurance company or your McGrath account representative about the injury or illness. We’ll keep you informed on the steps that need to happen next.
  3. If the employee is unable to earn his or her full wages for five or more calendar days, you (the employer) will need to electronically file Form 101– Employer’s First Report of Injury or Fatality.
  4. Seek out immediate medical attention for your employee such as doctor visits, hospital services, prescriptions, etc. This can help to reduce any long-term disability and help keep your insurance premiums down.
  5. Maintain consistent contact with the employee, adjuster, medical providers, and any other parties involved.
  6. Keep records of all documents and give the employee a copy for their own records.
  7. It’s important to stress how you want the employee to return as soon as they can. Job or tool modification can help an employee return to work faster and prevent future injuries.
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Tailored Coverage

You should never have to compromise on your insurance protection. Every individual, business, and family has a unique set of needs that can’t be met with a one-size-fits-all quote. Our Freedom Plan lays the foundation for us to customize an insurance plan that’s tailored to your specific needs and risks at a competitive price.
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Heart of New England

As a regional insurance agent and broker, we understand what it means to service our clients throughout New England. With two central offices, we understand the very specific risks of the region’s businesses and consumers and can tailor an insurance solution to meet your needs.
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Claims Center

What do you need to file a claim? When you’re dealing with a loss, you should be confident in knowing that our licensed staff will respond promptly. We handle claims on a more personal level, working directly with your insurance company throughout the entire process to ensure that your claim is settled both quickly and fairly.
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Educational Partner

Do you know what gaps may be hidden in your coverage, leaving you unprotected when disaster strikes? We pride ourselves on educating our clients on their coverage details, including the terms, limitations and conditions of their insurance policies. We also produce fresh content in our Resource Center that is timely and of most value to you.
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Powerful Network

Our staff conducts extensive research to develop a custom insurance plan or risk management strategy for your personal or business needs. We then present you with a selection of programs from multiple insurance carriers that will protect your business equity or personal net worth.