Thompson & Linscott Insurance, Inc

Thompson and Linscott Insurance has been serving Berkshire County families and businesses since 1925. Our fully licensed staff has over 46 years of experience combined. We take pride in the fact that we are a small, family owned business which enables us to really get to know our customers, and over the years, many customers have become good friends as well. We can always use one more friend, come see us and let us help you with your insurance needs. A year after revamp, auto insurance rates in flux. Hours of operation Monday 8-5pm Tuesday 8-5 pm Wednesday 8-5 pm Thursday 8-5 pm Friday 8-5 pm Saturday- Closed Sunday- Closed *appointments may be made outside of our normal business hours Personal Insurance  Personal Auto  Homeowners  Renters  Condominium Owners  Personal Items  Boats  Umbrella  Motorcycles  Motorhomes  Mobile Homes  Dwelling Fire  Watercraft  Gap Insurance  Flood  Antique Cars  Snowmobiles  ATV's  Special Event Insurance Business/Commercial Insurance  Commercial Auto  Workers Compensation  Commercial Liability  Commercial Property  Contractors  Retail  Professional Liability  Restaurants  Garage & Repair  Bonds  Business Owners Policy  Commercial Umbrella  Commercial Trucks  Errors and Omissions  Special Event Insurance Life Insurance  Term Life Insurance  Whole Life  Universal Life Health Insurance  Traditional Health Insurance  Trip Insurance  Disability Bonding  Court Judicial  Court Fiduciary  Public Official  License  Permit  Janitorial Services  Employee Dishonesty  Pension/Trust (ERISA)  Guarantees of Financial Performance Contract Bonds  Bid Bonds  Payment Bonds  Peformance Bonds  Maintenance Bonds  Supply Bonds Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Insurance Replacement Cost Analysis of Your Home Notary Public Complimentary Review of Your Liability Insurance vs. Assets Complimentary Life Insurance Needs Analysis Lynn Avery President Lynn came to the agency in 1986 after receiving his BS degree from the University of Massachusetts at Amherst. He has now been the owner of the agency for almost 20 years. Lynn is also a member of the Adams Lions Club, he is the Salvation Army Welfare Secretary, and he is also an assessor board member for the Town of Adams. Barbara Baran, MBA, CISR Certified in Long-Term Care (CLTC), License Broker, Notary Public Barbara started at Thompson & Linscott Agency in 1996. Her main focus is helping people understand the importance of life insurance and long-term care insurance. In addition, she helps out with the marketing and advertising for the agency. Barbara has an AS in Entrepreneurial Management from Dean College, a BS in Business Administration from MCLA, and a MBA in Fraud Management from Utica College. Joanne Thornton Licensed Broker Joanne joined the Thompson and Linscott team in August 2005. Although her focus is on homeowners insurance, she also assists with personal automobile insurance. She comes to us with 9 years experience in financial management. Joanne has a BS in Business Administration from MCLA and has been a member of the Northern Berkshire Chamber of Commerce Fall Foliage Parade Committee since 1997. Commerce The Commerce Insurance Company provides personal and commercial property and casualty insurance in Massachusetts and New Hampshire. Our core product lines include personal automobile, homeowners, and commercial automobile insurance. In Massachusetts, Commerce Insurance is the leading provider of both private passenger and homeowners insurance and is the second leading provider of commercial automobile insurance. Commerce markets our products exclusively through professional independent agents who are conveniently located throughout Massachusetts and New Hampshire. Foremost Foremost offers insurance coverage for Mobile Homes, Landlords, Specialty Homeowners, , Motor Homes, Travel Trailers, Fifth-Wheels, Luxury Motor Coaches, Motorcycles, Off-Road Vehicles, Snowmobiles, Personal Watercraft and Boats. Foremost is part of Farmers Insurance Group and does business in the United States. The Foremost Companies are Foremost Insurance Company Grand Rapids Michigan, Foremost Signature Insurance Company, Foremost Property and Casualty Insurance Company, American Federation Insurance Company, Foremost County Mutual Insurance Company (Texas) and Foremost Lloyds of Texas. MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance. Peerless - WestMass Peerless Insurance is offered through WestMass Professional Insurance, LLC. Peerless Insurance is part of Liberty Mutual Agency Markets, a business unit of Boston-based Liberty Mutual Group. Agency Markets consists of property and casualty, and specialty insurance carriers that distribute their products and services primarily through independent agents and brokers. Liberty Mutual Group ranks 102 on the Fortune 500 list of the largest U.S. corporations based on 2005 revenues. The company has financial strength ratings of “Excellent” (A) from the A.M. Best Company, “Good” (A2) from Moody’s Investors Service, and “Strong” (A) from Standard and Poor’s. Massachusetts Registry of Motor Vehicles Massachusetts Motor Vehicle Sales/Use Tax Forms Automobile Insurers Bureau of Massachusetts Checkpoint Insurance Inspections Edmunds Car Buying Guide Kelly Blue Book Car Values In Control Advanced Driver Training Massachusetts Division of Insurance Massachusetts Division of Industrial Accidents (Workers Compensation) Insurance Information Institute (III) National Flood Insurance Program Personal Umbrella Personal Inventory Are you a candidate for a $1,000,000 lawsuit? Do you own your home? Do you own a vacation home? Do you own waterfront property? Do you have a swimming pool? Do you own more than one automobile? Do you own a luxury automobile? Do you own a power or sail boat? Do you own a dog? Do you have above-average family income? If you answered �yes� to one or more of these questions, you might be a target for a million dollar suit. Actually, even if you answered �no� to each of these questions, there is always the possibility of being sued for a million dollars, although the majority of major suits are leveled against people who answer �yes� to one or more of the above questions. Important facts about major lawsuits: You don�t have to be a millionaire to be sued like a millionaire. Juries don�t seem to care about the ability to pay when they award million dollar judgements. You auto insurance will protect you only to the limits of your liability coverage. Your homeowners insurance will protect you only to the limits of your liability coverage. You might not have done anything wrong and still be forced to pay. (Even a fenced-in-pool has been deemed �an attractive nuisance.�) You can lose nearly everything you own, and still be liable to pay more out of future earnings. The Simple Solution: Look into at least $1 million dollar �umbrella� liability protection- over and above your basic homeowners and automobile liability limits. Make sure the �umbrella� you purchase covers you for motor vehicle and watercraft operations. Be certain you are covered for incidents involving any property covered by your homeowners policy. Ask about coverage for incidents involving libel, slander, character defamation, privacy invasion and false arrest. You want everyone in your household (relatives or others residing with you) to be covered. Make sure you understand all that is covered and all that is not covered. (Among �exclusions� are usually professional liability, business liability, and aircraft liability.) Call us today for a quote. Home and Personal Property Inventory By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry. You may be surprised by the value of your accumulated possessions. In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents. After you have your inventory complete, be sure to keep it in a safe place away from your home such as a relatives home or you can even bring copies of the inventory and pictures/video to our office for safe keeping in your file Credit Card Inventory In the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens. Massachusetts Personal Auto Homeowners Dwelling Fire Term Life Insurance Whole Life Insurance Massachusetts Commercial Auto Workers Compensation Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Current Insurance Company Name Expiration Date Annual Premium Vehicle(s) Vehicle 1 Year Make Model VIN Garage Location Odometer Reading Annual Mileage Business Use Age 65 or Older Air Bags Automatic Seatbelts Anti-Theft Device (Alarm) Vehicle Recovery System (Lojack) Public Transit Pass (11 months) Accident Forgiveness Good Student Discount Student Away at School Vehicle 2 Driver(s)   List all licensed drivers in your household. Name on License Date of Birth License Number State Date Licensed Driver Training 1. Yes  No 2. Yes  No 3. Yes  No 4. Yes  No 5. Yes  No 6. Yes  No Coverages Part 1 - Bodily Injury To Others 20/40 Part 2 - Personal Injury Protection 0 100 250 500 1,000 2,000 4,000 8,000 Part 3 - Bodily Injury By Uninsured Motorist 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 4 - Property Damage 50,000 100,000 150,000 200,000 250,000 300,000 400,000 500,000 Part 5 - Optional Bodily Injury No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 6 - Medical Payments No Coverage 5,000 10,000 15,000 20,000 25,000 50,000 100,000 Part 7 - Collision Deductible No Coverage 300 500 1,000 2,000 Part 8 - Limited Collision No Coverage 0 300 500 1,000 2,000 Part 9 - Comprehensive Deductible No Coverage 300 500 1,000 2,000 Part 10 - Substitute Transportation No Coverage 15/day to 450 max 30/day to 900 max 45/day to 1,350 max 100/day to 3,000 max Part 11 - Towing & Labor No Coverage 50/incident 100/incident Part 12 - Bodily Injury By Underinsured Motorist No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Earthquake Coverage Dwelling Information Estimated Replacement Cost Square Footage Year Built Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance Smoke Detectors Central Station Fire Alarm Central Station Burglar Alarm Located within 5 miles of Fire Station Located within 1000 feet of a Fire Hydrant Swimming Pool Trampoline Dogs or Exotic Pets (Note Breed and Bite History) Personal Property (estimated values) Jewelry Furs Fine Art and Collectibles Cameras Musical Instruments Silverware Stamps Coins Golfers Equipment Personal Computers   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Dwelling Information Estimated Replacement Cost Square Footage Year Built Number of Floors Number of Families Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Personal Information Date of Birth Amount of Insurance   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Personal Information Date of Birth Amount of Insurance   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Vehicle(s) Vehicle 1 Year Make Model VIN Cost New Gross Vehicle Weight Radius of Operation Garaging Type of Use Vehicle 2 Coverages Liability 20/40 50/100 100/300 500/500 1000/1000 Collision Deductible 300 500 1,000 Comprehensive Deductible 300 500 1,000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Business Information Type of Business Annual Payroll   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Personal Auto Discounts Available Senior Citizens A 25% discount is available for a principle operator who is 65 years of age or older. AAA AAA members receive additional savings on their automobile policy through Commerce Insurance as well as additional coverages at no additional cost! Additional coverages include but are not limited to: Replacement cost coverage on new vehicles Cell phone replacement coverage up to $200 Laptop computer replacement up to $1,000 Substitute transportation limit purchased is increased by an additional $30 per day up to a maximum of $900 Up to $250 per day loss of earning payment due to hearing/trial Personal belongings replacement up to $250 Pet injury coverage up to $500 for your veterinary fees, or $500 for your pet�s burial fees (cats and dogs only) Seat belt and/or air bag death benefits Multi-car discount A multiple-vehicle discount may be available if an individual or married couple own two or more automobiles insured by the same insurance company. Antique vehicles and motorcycles are not eligible for this discount. Passive restraint discount Discounts may be available if your automobile has airbags and/or automatic seatbelts Annual Mileage A 10% discount is available for vehicles that are driven less than 5,000 miles annually and a 5% discount is available for vehicles driven less than 7,500 miles annually. Antique vehicles and motorcycles are not eligible for this discount. Annual mileage is verified by the Registry of Motor Vehicles. Anti-theft Anti-theft discounts are available for automobiles with various types of qualifying devices. Please note that customers with On-star must provide a copy of their renewed service agreement each year to continue receiving the discount. Please contact our agency for more information on anti-theft discounts available for your automobile. Drivers Education A discount is available for the first three years after an inexperienced operator driver has completed an approved training course. Good Student Discount Student Away from Home Discount Homeowner Discounts Available Multi-policy credit/Account Credit Protective Devices Credit Renewal Discount New Home Discount Mature Homeowner Credit Deductible Amount Credit Automobile Claims You should expect to hear from an insurance company claims adjuster within 1-2 business days of calling in the claim. Be certain to make note of your claim number and the adjuster�s extension for future reference. If you are insured with Commerce Insurance Company, you may request to either have an insurance appraiser come to look at your vehicle, or if the vehicle is drivable, you can request to go to the drive in facility: County Auto Appraisal 100 Fenn Street, Pittsfield Wednesday 1-4:30, Friday 9-1pm Whether you have substitute transportation coverage or you are seeking a rental vehicle from the other party�s insurance carrier, please contact our office before renting the vehicle to avoid unexpected expenses. In the event there are any injuries, please notify our agency or your claims adjuster immediately. Your claims adjuster will help coordinate the payment of the medical bills. Please complete all necessary paperwork as quickly as possible to help expedite your claim. This includes paperwork sent to you from not only your carrier, but the other party�s insurance carrier as well. A motor vehicle crash report is also required to be filled out for the state of Massachusetts if the damage amount exceeds $1,000. If you do not have one of these forms we would be happy to provide one for you. Copies of the motor vehicle crash report must be sent to the carrier, the police department, and the Registry of Motor Vehicles which we will be happy to take care of for you. It is quite common for additional damage to be found while the vehicle is in the process of being repaired. The body shop repairing your vehicle must notify the appraiser in order to file for supplemental damage. If you have a glass only claim and are insured with Commerce Insurance, the claim must be called directly into Commerce Insurance�s claims department where an adjuster will help set up an appointment for you. Insurance Company Claim Phone Numbers Commerce: 800-221-1605 Harleysville: 800-892-8877 Massachusetts Property Insurance: 800-392-6108 Our office observes the following holidays New Years Day Martin Luther King Day Presidents Day Patriots Day Memorial Day Fourth of July Labor Day Columbus Day Veterans Day Thanksgiving and the Friday to follow Christmas Day Placemat Riddle (scroll down for the answers): Riddle #1: I can be new, but always old, I can be full, but never empty. What am I? Riddle #2: I stare at you, you stare at me. I have three eyes, yet I cannot see. Every time I blink, I give commands. You do as you are told. With your hand and feet. What am I? Answer to Riddle #1: The moon Answer to Riddle #2: A traffic light Contact Us Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Questions/Comments   * required