habitational insurance


Providing insurance and risk management services to the habitational market is an area we specialize in.  There are not many agencies that have the experience and access to the broad range of insurance products that we are able to offer.  When it comes to habitational insurance – experience counts, and we have that experience.

Size Matters – Large or small, we cover them all

Whether you have a single small building or a number of large buildings with hundreds of units –  we have the experience to evaluate your risk and provide options..  We have a broad network of insurance companies which have the specialty insurance programs to meet your needs. 

If your business has multiple-location dwellings you may benefit by using a "loss limit" approach to your insurance program rather than a simple "blanket limit" approach.   If you would like more information about this strategy and other creative solutions that can keep your insurance costs down, while ensuring you have the right coverage, we would welcome the opportunity to speak with you.

We are able to offer competitive pricing, however more importantly we take the time to understand your needs before making any recommendations.  Often times we are able to save our clients on their premiums simply by presenting different options – and taking the time to explain risk management strategies. 

We offer a broad range of coverages including:

  • Equipment Breakdown
  • Business Income
  • Actual Loss Sustained
  • Newly Acquired Buildings
  • Money & Securities
  • Pollution Cleanup Cost
  • Building Code / Law Coverage
  • And Many, Many More!

Contact us for more information about the many programs we have to offer.





Doherty Insurance Agency
21 Elm Street
Andover, MA. 01810
Telephone: 978-475-0260
Fax: 978-475-0303