--- title: Insurance Blog | Dempsey Insurance Agency | Patrick Dempsey description: The Demsure blog is designed to offer advice that can help you to understand your insurance from auto collision coverage, condo loss assesment to umbrella policies --- [![DEM Header Logo.png](https://www.demsure.com/hs-fs/hubfs/2018%20Redesign/DEM%20Header%20Logo.png?width=460&name=DEM%20Header%20Logo.png "DEM Header Logo.png")](https://www.demsure.com/) # Dempsey Insurance Agency Blog ## [Do Massachusetts Insurers Offer Commercial Auto Insurance Discounts?](https://www.demsure.com/blog/do-massachusetts-insurers-offer-commercial-auto-insurance-discounts) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 31, 2018 5:08:15 PM [**0](https://www.demsure.com/blog/do-massachusetts-insurers-offer-commercial-auto-insurance-discounts#comments-listing) [![Commercial Auto Insurance Massachusetts](https://www.demsure.com/hubfs/Blog%20Pictures/Commercial_Auto_Body2_DEM_Blog.png) ](https://www.demsure.com/blog/do-massachusetts-insurers-offer-commercial-auto-insurance-discounts) Massachusetts insurance companies offer a number of [commercial auto insurance](https://www.demsure.com/commercial-auto-insurance-massachusetts) discounts that businesses in the state might be able to take advantage of. While the exact discounts that an insurer makes available can vary, the following are fairly common. [Read More](https://www.demsure.com/blog/do-massachusetts-insurers-offer-commercial-auto-insurance-discounts) ## [Do Credit Scores Affect Car Insurance Premiums in Massachusetts?](https://www.demsure.com/blog/do-credit-scores-affect-car-insurance-premiums-in-massachusetts) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) May 16, 2018 11:38:26 AM [**0](https://www.demsure.com/blog/do-credit-scores-affect-car-insurance-premiums-in-massachusetts#comments-listing) [![Car Insurance in Massachusetts](https://www.demsure.com/hubfs/Blog%20Pictures/shutterstock_281078837.png) ](https://www.demsure.com/blog/do-credit-scores-affect-car-insurance-premiums-in-massachusetts) Many insurance companies consider drivers’ credit scores when calculating car insurance premiums. Drivers in Massachusetts, however, don’t have to worry as much about whether their credit score will directly affect their auto policy’s premiums. [Read More](https://www.demsure.com/blog/do-credit-scores-affect-car-insurance-premiums-in-massachusetts) ## [Motorcycle Insurance Coverage with a Massachusetts Insurance Agent](https://www.demsure.com/blog/bid/178728/Motorcycle-Insurance-Coverage-with-a-Massachusetts-Insurance-Agent) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) May 7, 2013 9:30:00 AM [**0](https://www.demsure.com/blog/bid/178728/Motorcycle-Insurance-Coverage-with-a-Massachusetts-Insurance-Agent#comments-listing) It is motorcycle season again and as the bikes hit the road, the insurance questions pick up concerning these vehicles. We write many policies for motorcycles and each one can be a little different from the next. Whether you are a seasoned motorcyclist, a newly permitted rider, use a 250HP bike or have a customized chopper you need insurance to ride in Massachusetts. ![Norwood Motorcycle Insurance](https://www.demsure.com/hs-fs/file-32611391-png/images/c--users-pdempsey-pictures-sample-dempsey_insurance_motorcycle-resized-600.png) [Read More](https://www.demsure.com/blog/bid/178728/Motorcycle-Insurance-Coverage-with-a-Massachusetts-Insurance-Agent) ## [Flood Insurance through a Norwood Insurance Agency](https://www.demsure.com/blog/bid/150473/Flood-Insurance-through-a-Norwood-Insurance-Agency) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Aug 1, 2012 9:30:00 AM [**0](https://www.demsure.com/blog/bid/150473/Flood-Insurance-through-a-Norwood-Insurance-Agency#comments-listing) Flood loss is excluded from your personal homeowner insurance, so how do you get coverage? You could add water back up and sump overflow to your homeowner insurance, but if you are at a higher risk, it might not be enough. Our agency is located in Norwood, Massachusetts and it is not an area known for flooding, but there are still many flood policies written in the area and we are asked questions all the time about flood insurance. ![flood insurance norwood](https://www.demsure.com/hs-fs/file-17158859-jpg/images/venice_overflow-resized-600.jpg?width=392&height=294&name=venice_overflow-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/150473/Flood-Insurance-through-a-Norwood-Insurance-Agency) ## [Over the Edge sucess for the Special Olympics August Games](https://www.demsure.com/blog/bid/150063/Over-the-Edge-sucess-for-the-Special-Olympics-August-Games) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 25, 2012 12:00:00 PM [**0](https://www.demsure.com/blog/bid/150063/Over-the-Edge-sucess-for-the-Special-Olympics-August-Games#comments-listing) #### On July 20th at the Hyatt in Boston there was a charity event, "Over the Edge Event," for the Massachusetts Special Olympics. I was one of just over 100 participants and I am pleased to report that with the generosity of many individuals along with two insurance companies (Plymouth Rock and Safety Insurance), that I was able to raise $2,435. All of the money that I raised will go towards the Massachusetts Special Olympics August Games. ![Over The Edge](https://www.demsure.com/hs-fs/file-17158058-jpg/images/over_the_edge_photo_2-resized-600.jpg?width=389&height=259&name=over_the_edge_photo_2-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/150063/Over-the-Edge-sucess-for-the-Special-Olympics-August-Games) ## [First Time Homebuyer? Tips from a Norwood Insurance Agent](https://www.demsure.com/blog/bid/141067/First-Time-Homebuyer-Tips-from-a-Norwood-Insurance-Agent) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 23, 2012 9:30:00 AM [**0](https://www.demsure.com/blog/bid/141067/First-Time-Homebuyer-Tips-from-a-Norwood-Insurance-Agent#comments-listing) **Buying a Home and Don’t know what to do about insurance? Here are 5 things to consider from a Norwood Insurance Agent:** ![home insurance agent norwood](https://www.demsure.com/hs-fs/images/c--documents_and_settings-pdempsey-my_documents-my_pictures-home_insurance_agent_norwood-resized-600.jpg?width=297&height=217&name=c--documents_and_settings-pdempsey-my_documents-my_pictures-home_insurance_agent_norwood-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/141067/First-Time-Homebuyer-Tips-from-a-Norwood-Insurance-Agent) ## [Dempsey Insurance FAQ's (MA Auto Insurance, Home Insurance, etc...)](https://www.demsure.com/blog/bid/141072/Dempsey-Insurance-FAQ-s-MA-Auto-Insurance-Home-Insurance-etc) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 16, 2012 9:30:00 AM [**0](https://www.demsure.com/blog/bid/141072/Dempsey-Insurance-FAQ-s-MA-Auto-Insurance-Home-Insurance-etc#comments-listing)   ![Boat Insurance](https://www.demsure.com/hs-fs/file-17150500-jpg/images/c--documents_and_settings-pdempsey-my_documents-my_pictures-boat_insurance-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/141072/Dempsey-Insurance-FAQ-s-MA-Auto-Insurance-Home-Insurance-etc) ## [What is an Umbrella Policy?](https://www.demsure.com/blog/bid/141071/What-is-an-Umbrella-Policy) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 9, 2012 9:30:00 AM [**0](https://www.demsure.com/blog/bid/141071/What-is-an-Umbrella-Policy#comments-listing) ![Umbrella Policy Norwood](https://www.demsure.com/hs-fs/file-17151827-jpg/images/c--documents_and_settings-pdempsey-my_documents-my_pictures-umbrella_photo-resized-600.jpg)          An umbrella policy is excess liability coverage. Basic home and auto policies have limits in liability coverage. If your auto policy cuts off coverage at $500,000, but you have assets over that amount you should consider an umbrella policy. The umbrella covers excess liability loss over all personal exposures (provided they have underlying insurance with approved companies). Your auto, home, boat, motorcycle, secondary home, etc. all have a liability exposure and the umbrella is designed to protect that risk once the basic policies have reached their limits. These policies will not cover business related exposures, so you would want to check into commercial umbrella insurance for that type of risk. Contact an agent if you want to get an umbrella policy quote. [Read More](https://www.demsure.com/blog/bid/141071/What-is-an-Umbrella-Policy) ## [Condo Insurance, from Loss Assessment Coverage to Dwelling Coverage](https://www.demsure.com/blog/bid/147376/Condo-Insurance-from-Loss-Assessment-Coverage-to-Dwelling-Coverage) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jul 5, 2012 12:00:00 PM [**0](https://www.demsure.com/blog/bid/147376/Condo-Insurance-from-Loss-Assessment-Coverage-to-Dwelling-Coverage#comments-listing) ### Recently we have been seeing a large number of questions relative to Condo Insurance. Hopefully this blog post will help answer some of the more common questions. If you still are unsure about your condo coverage, contact our office. *What is Loss Assessment Coverage and why do I need it?* ![Condo Unit Insurance](https://www.demsure.com/hs-fs/file-17150918-jpg/images/c--documents_and_settings-pdempsey-my_documents-my_pictures-condo_insurance_norwood-resized-600.jpg?width=241&height=181&name=c--documents_and_settings-pdempsey-my_documents-my_pictures-condo_insurance_norwood-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/147376/Condo-Insurance-from-Loss-Assessment-Coverage-to-Dwelling-Coverage) ## [In an Accident? Now What? Tips from a Massachusetts Insurance Agent](https://www.demsure.com/blog/bid/143321/In-an-Accident-Now-What-Tips-from-a-Massachusetts-Insurance-Agent) [Patrick Dempsey](https://www.demsure.com/blog/author/patrick-dempsey) Jun 24, 2012 9:00:00 AM [**0](https://www.demsure.com/blog/bid/143321/In-an-Accident-Now-What-Tips-from-a-Massachusetts-Insurance-Agent#comments-listing) When you are involved in an auto accident it can be a traumatic experience. Here are some tips to get through the ordeal from the perspective of a Massachusetts Insurance Agent. ![auto accident resized 600](https://www.demsure.com/hs-fs/file-17150272-jpg/images/auto_accident-resized-600.jpg?width=208&height=138&name=auto_accident-resized-600.jpg) [Read More](https://www.demsure.com/blog/bid/143321/In-an-Accident-Now-What-Tips-from-a-Massachusetts-Insurance-Agent) [All posts](https://www.demsure.com/blog/all) [Next](https://www.demsure.com/blog/author/patrick-dempsey/page/2) ### Recent Posts ### Join Our Mailing List ### Posts by Topic - [homeowners insurance agency norwood (10)](https://www.demsure.com/blog/topic/homeowners-insurance-agency-norwood) - [Homeowners Insurance (9)](https://www.demsure.com/blog/topic/homeowners-insurance) - [Insurance Norwood (9)](https://www.demsure.com/blog/topic/insurance-norwood) - [auto insurance norwood (9)](https://www.demsure.com/blog/topic/auto-insurance-norwood) - [#prep4winter (7)](https://www.demsure.com/blog/topic/prep4winter) - [Car Insurance (6)](https://www.demsure.com/blog/topic/car-insurance) - [Commercial Auto Insurance (6)](https://www.demsure.com/blog/topic/commercial-auto-insurance) - [insurance agency norwood (6)](https://www.demsure.com/blog/topic/insurance-agency-norwood) - [Condo Insurance Norwood (5)](https://www.demsure.com/blog/topic/condo-insurance-norwood) - [Snow (5)](https://www.demsure.com/blog/topic/snow) - [auto insurance agent Massachusetts (5)](https://www.demsure.com/blog/topic/auto-insurance-agent-massachusetts) - [home insurance agent (5)](https://www.demsure.com/blog/topic/home-insurance-agent) - [Business Insurance (4)](https://www.demsure.com/blog/topic/business-insurance) - [Covid-19 (4)](https://www.demsure.com/blog/topic/covid-19) - [Home Insurance (4)](https://www.demsure.com/blog/topic/home-insurance) - [Winterweather (4)](https://www.demsure.com/blog/topic/winterweather) - [condo unit insurance (4)](https://www.demsure.com/blog/topic/condo-unit-insurance) - [massachusetts insurance agent (4)](https://www.demsure.com/blog/topic/massachusetts-insurance-agent) - [Cold Weather (3)](https://www.demsure.com/blog/topic/cold-weather) - [Freezing Pipes (3)](https://www.demsure.com/blog/topic/freezing-pipes) - [Personal Insurance (3)](https://www.demsure.com/blog/topic/personal-insurance) - [RMV (3)](https://www.demsure.com/blog/topic/rmv) - [Winterize your home (3)](https://www.demsure.com/blog/topic/winterize-your-home) - [thanksgiving (3)](https://www.demsure.com/blog/topic/thanksgiving) - [winter driving (3)](https://www.demsure.com/blog/topic/winter-driving) - [#HOME MAINTENANCE (2)](https://www.demsure.com/blog/topic/home-maintenance) - [#waterdamage (2)](https://www.demsure.com/blog/topic/waterdamage) - [Auto Accidents (2)](https://www.demsure.com/blog/topic/auto-accidents) - [Ice Damn Prevention (2)](https://www.demsure.com/blog/topic/ice-damn-prevention) - [Ice Dams (2)](https://www.demsure.com/blog/topic/ice-dams) - [MA License (2)](https://www.demsure.com/blog/topic/ma-license) - [Sleet (2)](https://www.demsure.com/blog/topic/sleet) - [Special Olympics August Games (2)](https://www.demsure.com/blog/topic/special-olympics-august-games) - [condo insurance Walpole (2)](https://www.demsure.com/blog/topic/condo-insurance-walpole) - [loss assessment coverage (2)](https://www.demsure.com/blog/topic/loss-assessment-coverage) - [massachusetts auto insurance policy (2)](https://www.demsure.com/blog/topic/massachusetts-auto-insurance-policy) - [umbrella policy norwood (2)](https://www.demsure.com/blog/topic/umbrella-policy-norwood) - [#summersafety (1)](https://www.demsure.com/blog/topic/summersafety) - [BOPinsurance (1)](https://www.demsure.com/blog/topic/bopinsurance) - [Hand's Free Driving in MA (1)](https://www.demsure.com/blog/topic/hands-free-driving-in-ma) - [Hand's Free Driving in Massachusetts (1)](https://www.demsure.com/blog/topic/hands-free-driving-in-massachusetts) - [MA ID (1)](https://www.demsure.com/blog/topic/ma-id) - [Over The Edge (1)](https://www.demsure.com/blog/topic/over-the-edge) - [boat insurance norwood (1)](https://www.demsure.com/blog/topic/boat-insurance-norwood) - [condo versus homeowners (1)](https://www.demsure.com/blog/topic/condo-versus-homeowners) - [flood insurance canton (1)](https://www.demsure.com/blog/topic/flood-insurance-canton) - [flood insurance norwood (1)](https://www.demsure.com/blog/topic/flood-insurance-norwood) - [flood insurance walpole (1)](https://www.demsure.com/blog/topic/flood-insurance-walpole) - [flood zone (1)](https://www.demsure.com/blog/topic/flood-zone) - [headlight law (1)](https://www.demsure.com/blog/topic/headlight-law) - [mortgage insurance requirements (1)](https://www.demsure.com/blog/topic/mortgage-insurance-requirements) - [travel safety (1)](https://www.demsure.com/blog/topic/travel-safety) - [what is an umbrella policy (1)](https://www.demsure.com/blog/topic/what-is-an-umbrella-policy) - [what is the new headlight law in massachusetts? (1)](https://www.demsure.com/blog/topic/what-is-the-new-headlight-law-in-massachusetts) [see all](https://www.demsure.com/blog/author/patrick-dempsey#) [![Dempsey Footer.png](https://www.demsure.com/hs-fs/hubfs/2018%20Redesign/Logos/Dempsey%20Footer.png?width=373&name=Dempsey%20Footer.png "Dempsey Footer.png")](https://www.demsure.com) Phone: 781-762-0042 Fax: 781-769-7730 FrontDesk@demsure.com 145 Railroad Avenue Norwood, MA 02062 Blog Feed © 2026 Dempsey Insurance Agency | [Privacy Policy](https://www.demsure.com/disclaim) This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication. **HOW WE ARE PAID FOR OUR SERVICES** Our insurance agency is committed to dealing fairly with complete integrity and transparency with consumers, other insurance producers and others with whom we work in providing insurance products and services. To that end, we provide this disclosure regarding our sources of compensation from insurance companies or other parties. Our agency may receive compensation in the form of commissions paid by an insurance company, calculated as a percentage of premiums, pursuant to an arrangement with the insurance company. These commissions are for the service we perform in placing and servicing insurance policies on the insurance company’s behalf. Our agency may also be eligible to receive other forms of compensation such as incentive or contingency payments or bonuses and/or supplemental commissions from insurance companies. These may be based on our aggregate historical or current performance with respect to a line of business or customer segment and not specifically related to any particular policy or policyholder. Other insurance producers who perform service in placing and servicing insurance through our agency may receive compensation from our agency in the form of service fees as determined by our agency’s arrangement with such producer. Our agency may hold premium or return premium funds temporarily, in which case our agency may receive interest or investment income on such funds.   Website Built & Powered by [Jump Suit Group](https://www.jumpsuitgroup.com/)