At Imperial Insurance Agency, we are committed to ensuring accessibility for all visitors to our website. We strive to make our site user-friendly for individuals with disabilities and aim to provide a seamless browsing experience for every visitor. Our dedication to accessibility includes adhering to web content accessibility guidelines and utilizing assistive technologies to enhance the user experience. ACCESSIBILITY STATEMENT This statement was last updated on 11/27/2025 At Imperial Insurance Agency, we are dedicated to making our website accessible to all individuals, including those with disabilities. We are continually working to enhance the accessibility and usability of our website for everyone. What web accessibility is An accessible site allows visitors with disabilities to browse the site with the same or a similar level of ease and enjoyment as other visitors. This can be achieved with the capabilities of the system on which the site is operating, and through assistive technologies. Accessibility adjustments on this site Cookies and Tracking Technologies Our website may use cookies and similar technologies to improve performance and personalize your experience. You may disable cookies through your browser settings, though some features may not function properly. Third-Party Links Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of those websites. Third-Party ContentSome content or links on our site may lead to third-party websites that we do not control. We cannot guarantee the accessibility of these external sites. Updates to This Statement We may update this Accessibility Statement periodically to reflect improvements or changes in standards. Used the Accessibility Wizard to find and fix potential accessibility issues Set the language of the site Set the content order of the site’s pages Defined clear heading structures on all of the site’s pages Added alternative text to images Implemented color combinations that meet the required color contrast Reduced the use of motion on the site Ensured all videos, audio, and files on the site are accessible

Homeowners Insurance Frequently Asked Questions Your home isn’t just where you live — it’s everything you’ve worked for. That’s why we provide coverage that safeguards your property, your family, and your peace of mind.. A homeowners insurance policy provides financial protection for your home and personal belongings against covered risks like fire, theft, storm damage, and certain types of liability. It typically includes coverage for the structure of the home, personal property, liability for injuries or damage to others, and additional living expenses if the home becomes uninhabitable due to a covered loss. It’s important to maintain your home properly—such as repairing roofs, plumbing, and electrical systems—because insurance may not cover damage caused by neglect or lack of upkeep. Regular maintenance helps prevent avoidable losses and ensures your coverage remains valid and effective when you need it most Read More

Not sure if your property is in a flood zone? Contact us today for assistance or use FEMA’s Flood Map Service Center to easily look up your property and determine your flood risk. View FEMA's Flood MAP Here Flood Insurance Flooding can happen almost anywhere — not just near rivers or the coast. Heavy rains, poor drainage, or even nearby construction can put your property at risk. While river and coastal flooding are common, flash floods and urban flooding are becoming increasingly frequent. Flood maps help determine an area’s flood risk. If your property is in a high-risk zone — defined as having a 1% or greater chance of flooding each year — you face at least a one-in-four chance of experiencing flood damage over the life of a 30-year mortgage. Private Flood the difference NFIP vs. Private Flood Insurance Coverage Feature NFIP Flood Insurance Private Flood Insurance Building & Structural Damage ✅ Yes ✅ Yes Personal Property Coverage ✅ Yes (limits apply) ✅ Yes (higher limits available) Swimming Pool Damage ❌ No ✅ Often Available Items Stored in Basement ❌ No ✅ Often Available Temporary Living Expenses (Hotel/Rental)❌ No ✅ Often Available Higher Coverage Limits ❌ No ✅ Yes Customizable Coverage Options ❌ No ✅ Yes

Umbrella Insurance When you own valuable property—like a home, car, or boat—standard insurance policies provide essential protection. But if you’re ever held responsible for serious injury or property damage, your base coverage may not be enough. Umbrella insurance offers an extra layer of liability protection beyond what your regular home, auto, or watercraft policies cover. It helps pay for legal fees, medical bills, or damages if you or a member of your household is found liable—and your primary insurance limits are exceeded. Why Consider Umbrella Insu rance? Umbrella insurance is designed for worst-case scenarios. For example, imagine you have a boat policy with $100,000 in liability coverage, but you’re sued for $1 million after a fatal accident. Without an umbrella policy, you’d be responsible for the remaining $900,000. With a $1 million umbrella policy, that gap would be covered—protecting your finances and future. Who Needs Um brella Insurance? While umbrella coverage is especially valuable for high-net-worth individuals, it’s not just for the wealthy. Anyone with assets to protect—or a high risk of being sued—can benefit from this affordable added protection. In general, if you own multiple properties, or frequently host guests, it's worth considering an umbrella policy. Premiums are relatively low for the level of protection they provide, often making it a smart financial decision.

Privacy Policy A legal disclaimer The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of a Privacy Policy. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific privacy policies you wish to establish between your business and your customers and visitors. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Privacy Policy. Privacy Policy - the basics Having said that, a privacy policy is a statement that discloses some or all of the ways a website collects, uses, discloses, processes, and manages the data of its visitors and customers. It usually also includes a statement regarding the website’s commitment to protecting its visitors’ or customers’ privacy, and an explanation about the different mechanisms the website is implementing in order to protect privacy. Different jurisdictions have different legal obligations of what must be included in a Privacy Policy. You are responsible to make sure you are following the relevant legislation to your activities and location. What to include in the Privacy Policy Generally speaking, a Privacy Policy often addresses these types of issues: the types of information the website is collecting and the manner in which it collects the data; an explanation about why is the website collecting these types of information; what are the website’s practices on sharing the information with third parties; ways in which your visitors and customers can exercise their rights according to the relevant privacy legislation; the specific practices regarding minors’ data collection; and much, much more. To learn more about this, check out our article “Creating a Privacy Policy ”.

Business Insurance Business insurance — also called commercial insurance — helps protect business owners from unexpected losses. With the right coverage, you can avoid paying out-of-pocket for costly damages or legal claims against your company. In some states, certain types of business insurance are required by law to operate.. 1 Business Owner’s Policy or (BOP) Many business owners choose a Business Owner’s Policy (BOP) because it combines three essential coverages to protect against common risks: general liability insurance, commercial property insurance, and business income insurance. At Imperial, we tailor BOP coverage to fit your company’s unique needs. You can bundle your BOP with additional coverages to help save money — and in some cases, you may qualify for up to a 10% discount when combined with workers’ compensation insurance 2 Commercial Auto Commercial auto insurance protects you and your employees while driving company-owned vehicles for business purposes. This essential coverage can help cover property damage and medical expenses — whether it’s a minor fender bender or a serious accident. 3 Workers’ Compensation Insurance Workers’ compensation insurance — often called “workers’ comp” or “workman’s comp” — provides employees with medical care, wage replacement, and other benefits if they experience a work-related injury or illness. In most states, this coverage is required by law for businesses with employees, helping protect both your team and your company. 4 General Liability General liability insurance helps protect your small business from third-party claims that it caused bodily injuries or property damage to others. Without general liability coverage, you’d have to pay for these claims out of pocket. GLI is also known as (CGL) 5 Professional Liability Insurance Mistakes happen — but even the perception of a mistake can lead to a costly lawsuit. Professional liability insurance protects your business from claims of errors, omissions , or negligence, giving you peace of mind so you can focus on what you do best. At Imperial, we’ll help you find the right policy so you’re protected when it matters most. Don’t leave your business exposed — safeguard your reputation and your livelihood today.

Imperial Insurance Agency is a local family owned business dedicated to serving our Gloucester community and beyond with personalized, reliable insurance solutions. With deep roots in the area and a strong commitment to our neighbors, we treat every client like family—offering personalized home, auto and business insurance. Protecting What Matters Most At Imperial Insurance Agency, we are a proud, local family-owned business dedicated to serving our Gloucester community and beyond with personalized, reliable insurance solutions. With deep roots in the area and a strong commitment to our neighbors, we treat every client like family—offering honest advice, exceptional service, and customized coverage that fits your unique needs. We strive to protect what matters most to you through comprehensive coverage options and a hands-on approach. Whether you’re looking for home, auto, business, watercraft and recreational vehicles, we've got you covered. Our Products Homeowners Insurance Auto Insurance Flood Insurance Business Insurance Watercraft Insurance Umbrella Insurance Get in Touch 9 Main Street Gloucester, MA 01930 Phone: (978)283-7711 FAX: (978)-281-3895 First Name Last Name Email Message Send Thanks for submitting! Contact Us Address 9 Main Street Gloucester, MA 01930 Contact Phone: 978-283-7711 Fax: 978-281-3895 Opening Hours Monday Tuesday Wednesday Thursday Friday 9:00 am - 4:00 pm 9:00 am - 4:00 pm 9:00 am - 4:00 pm 9:00 am - 4:00 pm 9:00 am - 12:30pm Saturday closed Sunday closed

File a Claim We are here to help with claims filing whenever you need us. However, if it is after ours or weekend or you simply just want the convenience of online reporting, many insurance carriers now offer online claims filing options that are quick and easy to use. To file a claim online, you can do so on your insurance companies' app, your online account or simply by going to your carrier website. Some carrier will require you to log into your online account or create an account if you do not have one set up. If you are unsure whether or not to file a claim, please contact us during normal business hours. If you do not see your company link, please contact the office to file your claim, or call your company directly. Click on your company logo to direct you to the online claims reporting site to file a home, auto or glass loss.

AUTO INSURANCE At Imperial Insurance, we deliver more value than your typical Massachusetts auto insurance agent or company. We partner with several regional and national auto insurance providers, which means that when you come to us, we compare rates and coverage from each carrier to help you find the best option. Instead of spending countless hours contacting each company yourself, let us do the shopping for you! We work with trusted insurers including Progressive, Plymouth Rock, Travelers, Mapfre, and more. More options mean more competitive pricing and coverage tailored to your needs. Registry Services At Imperial, we offer our clients a convenient runner service for a $30 fee. This service is available exclusively for registration and title transactions, where we handle the paperwork and bring it directly to the RMV on your behalf. For all other transactions, it’s easier than ever to handle them yourself through the Massachusetts Registry of Motor Vehicles’ Online Service Center. The RMV’s digital platform makes it quick and simple to complete many services from the comfort of your home. These transactions include: Cancel or renew your vehicle registration Update your address Renew your driver’s license Request a duplicate title And much more—all without visiting an RMV office. Visit Service Center

Watercraft How Watercraft Insurance Keeps You From Sinking You’ve already invested a lot in your boat—and the last thing you want is an unexpected expense to sink that investment. Watercraft insurance helps protect your boat and shields you from costly out-of-pocket expenses if something goes wrong. Watercraft insurance is a type of personal insurance policy that provides coverage for a wide range of boats and personal watercraft, including fishing boats, dinghies, deck boats, catamarans, sailboats, houseboats, pontoons, yachts, jet skis, and more. In some cases, a homeowners insurance policy may offer limited coverage for a boat. However, once a boat reaches a certain size or value—which is often the case—homeowners' insurance typically won’t provide adequate protection. Without proper watercraft coverage, you could be left paying significant costs for damage to your boat, damage your boat causes to others, or liability related to injuries. Types of Watercraft Insurance There are several types of watercraft insurance available. Depending on your vessel and how you use it, you may need a comprehensive policy that includes multiple coverages, such as: Hull insurance: Covers physical damage to your boat. Third-party liability insurance: Covers property damage and bodily injury your boat causes, including fuel spills, towing, medical expenses, and rescue operations. All-risk insurance: Provides broader protection, including ice damage, freezing, pollution liability, reef damage liability, and mechanical breakdown. Actual cash value or agreed value insurance: Covers your boat based on its current market value or a value agreed upon when the policy is purchased. Yacht insurance: Designed specifically for boats 27 feet or larger. Watercraft insurance helps ensure that your time on the water stays enjoyable—without the worry of unexpected financial setbacks.

Request a Certificate of Insurance All Certificate Requests will be answered with in 24 hours. If you need immediate assistance please call the office or email your representative directly. First and Last Name* Your Email * Phone* Address* Your Business Name* Certificate Holder Name* Certificate Holder Address* Certificate Holder's Email Address* Certificate Holder Fax # Specific Requirements for Certificate Submit

Wherever you call home, we have you covered Owning or living in a home—whether it’s your primary residence, a rental property, condo, vacation home, or rented apartment—comes with both value and risk. That’s why homeowners' insurance and related property policies are so important. They provide vital financial protection against unexpected events such as fire, theft, storms, water damage, liability claims, and more. Without the right insurance in place, a single incident could result in thousands of dollars in repair costs, legal fees, or even the loss of your home. In many cases, lenders and associations also require coverage to protect their investment. But more importantly, insurance protects your investment—your home, your belongings, and your peace of mind. At Imperial, we understand that no two living situations are the same. Whether you need insurance for a primary home, rental property, condo, secondary residence, or a renter's policy, we’ll work closely with you to find coverage that fits your unique needs and budget. Offering more than just standard policies, we also specialize in Airbnb and short-term rental coverage, and we’re here to help if you’re facing a policy cancellation or non-renewal. With access to a wide range of reliable carriers and customized options, our experienced team is ready to keep you protected—no matter your situation 1 Dwelling Fire (DP3) A Dwelling Fire Insurance policy for a non-owner occupied home is a type of property insurance designed to protect residential buildings that are not the primary residence of the owner—such as rental properties or vacation homes. It typically covers the structure itself against damage from specific risks like fire, lightning, or vandalism. Depending on the policy, it may also offer limited coverage for personal property (if furnished) and liability protection. This type of policy is ideal for landlords or property investors who need insurance for homes they rent out to tenants. 2 Condo Insurance (Ho6) An HO6 policy, also known as condo insurance, is a type of homeowners insurance specifically designed for condominium unit owners. It typically covers the interior of the unit—such as walls, floors, ceilings, fixtures, and personal belongings—as well as liability protection and loss of use if the unit becomes uninhabitable due to a covered event. Unlike traditional homeowners' insurance, it does not cover the building's exterior or common areas, which are usually insured by the condo association's master policy 3 Tenants Policy (Ho4) An HO4 policy, commonly known as renters insurance, provides coverage for individuals who rent their home, such as an apartment, house, or condo. It typically protects the renter’s personal belongings against risks like fire, theft, or water damage. It also includes liability coverage in case the renter is responsible for injury to others or damage to their property, and loss of use coverage, which helps pay for temporary living expenses if the rental becomes uninhabitable due to a covered event. It does not cover the structure itself, which is the landlord's responsibility 4 Vacant Property and Property under Rehabilitation It’s important to contact your insurance agent if a property is vacant or under rehabilitation to ensure it’s properly covered, as standard insurance policies often have limited or excluded coverage for these situations. Vacant or under-renovation properties are at higher risk for issues like vandalism, theft, or fire, and many standard policies may deny a claim if the insurer wasn't informed of the vacancy or construction. By notifying your agent, you can secure the appropriate vacant property or builder’s risk coverage, helping to protect your investment and avoid problems in the event of a loss.