Business Insurance

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Customized insurance and risk-reduction programs help you operate more efficiently.

Protecting BusinessesBusinesses throughout New England rely on us to provide custom insurance programs designed to reduce their total cost of risk and make them more attractive to the insurance marketplace. We do more than place your business with superior insurance companies at a competitive price; we work with you to create long-term risk-reducing services specifically for your operations.

Whether your business is a sole proprietorship, a large corporation with hundreds of employees, or a municipality, we offer a full range of business insurance products to help you meet your goals. All with the objective advice you need to make an educated decision.

Insurance Products

Physical damage and liability coverage for single autos to large fleets
A guarantee to perform, common bonds include Surety, Contract, Judicial, Probate, License, and Permit Bonds
Covers a building and materials during construction
Replaces lost income and pays continuing expenses while your business is being put back together after a covered loss
Usually designed for small and medium sized businesses, a BOP packages many essential insurance coverages on one policy
Indemnifies your business from embezzlement or theft by employees, forgery, electronic theft, theft of cash or securities by someone other than an employee or damage to your building or property caused by a burglary
Covers a range of loss exposures including damages due to loss or theft of client data, introducing a virus into another business’ network, and email transmitted libel
Protects the personal assets of the directors and officers of for profit and nonprofit companies against lawsuits for negligent or wrongful acts
Covers a broad range of claims or lawsuits brought by current or former employees or employee candidates including sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy
Protection against claims for pollution and environmental impairment
A type of professional liability insurance protection for liability claims resulting from damages due to failure to perform some duty for which you were trained or represented some specific expertise
Higher liability limits over those that can be purchased on standard policies
Coverage for you and your business from claims and lawsuits that might occur in the course of operating your business
Specialized insurance designed for your unique or special business property
Protection against losses from lawsuits arising from the sale or serving of liquor
Protection for ocean-going vessels and their cargo
If you are in the business of supplying, selling, or providing a repair service, you can be held liable for damages due to injury or loss related to that product
If your business or profession requires specialized knowledge, and you provide service or counsel based on that knowledge, you could be a target for a lawsuit not covered under standard commercial liability insurance
Coverage for your buildings, furnishings, inventory, equipment and other business personal property in the event of a loss
Property and liability coverage for cities, towns, counties, state and federal government entities including school districts, fire and police departments, public recreation areas, public buildings, and vehicles and equipment
Protection from claims arising from events not covered in your general liability insurance policy
Coverage for your employees who are injured on the job and for your business if you are found liable for an employee’s injury or illness

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Testimonials

  • “When I needed assistance with my business insurance program, Jill White immediately responded – and, even more important, she listened. She understood the challenges I had with my former agent, and she and the Sylvia Group team designed a program specific to my restaurant’s needs. I’m confident that with Jill’s expertise and personal attention, Fay’s is in good hands. That gives me the peace of mind to focus on what my family and I do best: serve delicious food and provide great customer service while running a successful business.”

    – Evelyn Bettencourt, Owner, Fay's Restaurant and Knotty Pine Fine New England Catering

  • “Thanks to John Beauregard and the professionals at Sylvia Group, our MassMEDIC membership has paid immediate dividends. Through the BIO Business Solutions® program, Primo Medical received a significant premium reduction on our Professional Liability policy. In addition, utilizing Chubb as our insurance provider and Sylvia Group as our broker, we’re confident that we have business partners who truly understand our insurance needs, provide outstanding loss control services and continue to work with us to lower our total cost of risk.”

    – Christopher LaPlante, Chief Financial Officer, Primo Medical Group

  • “I love your staff. Since we moved over to Sylvia Group for our insurance what is it, maybe three or four weeks? I have had more communication and attention from them than I had for the what, seven or eight years? with my former agency! You have a great team.”

    – Pat Cassan, Ocean Explorium

  • “You have to have somebody like Judy Besse working with you. She’s very detail-oriented and patient. I’d be lost in a quagmire of laws, rules, regulations… I want somebody on my team as I have with Judy.”

    - Paula Gendreau, Business Manager, Greater New Bedford Regional Voc-Tech High School

  • “I want to thank you for this incredible resource (ThinkHR). We will be accessing it frequently and appreciate Sylvia Group making this available to Advanced Eye Centers.”

    Paul C. Abrantes, Executive Director, Advanced Eye Centers

  • “I so appreciate Julie Jennings' help with Medicare planning. It is a relief to be able to consult with a knowledgeable professional on insurance issues. I have no idea how people do this without such help.”

    – Chris Black, Personal Insurance client

  • "Working with Judy Besse can be pretty interesting because she sets the bar so high. And because she’s putting the customer first, she’s willing to put choices on the table that a lot of brokers just aren’t going to consider because they don’t want to take the haircut."

    – Ed Belt, CEO, Primarily Care, Inc.

  • “Working with Sylvia Group over recent years has taken our insurance issues from 'groans and moans' to 'no problem.' Rose Lopes, our Account Manager, is one of the most responsive people I have ever worked with. She responds immediately to questions or special requests. It is such a pleasure to work with Rose, who does whatever it takes to find a solution to our needs. We are very pleased… She always has our interests in mind.”

    – Lynne Foley, Director of Human Resources, Five Star Companies, Inc.

  • “Judy Besse and Sylvia Group do a wonderful job. Judy’s skills, knowledge of the (benefits) industry and manner of presenting complicated things in an easy-to-understand fashion are unparalleled.”

    - Tom Riley, M.P.A., Executive Director, Better Community Living

  • “We wanted to enhance our employee benefits offering, but we didn’t have the time or expertise to explore the myriad of options. Judy Besse consulted with us and provided detailed information that made a complex choice easy, enabling us to maximize our ROI. And she managed the entire process right through to implementation – including employee communication, enrollment and carrier accountability.”

    – Tom Donaruma, Director of HR, Brahmin Leather Works

  • "Sylvia Group is by far the best insurance agency I have ever dealt with, both personally and in my business. They provide customer support that is not found in other agencies. For example, they take a personal interest in their clients, calls are always taken or returned immediately, and during reviews suggestions are made to offer the most cost effective and comprehensive coverage. When claims occur, they have always been there to facilitate the process. It has truly been a pleasure to have them represent me in my insurance needs."

    - William N. Whelan, Chairman, Whelan Associates LLC

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