An independent agency in Hingham since 1979.

“Insurance is not just a purchase, it’s peace of mind.”

Why independent matters

We’re not owned by an insurance company. We represent several of them.

So when your renewal comes in higher than you expected, we can shop it across the companies we write with. We don’t just tell you that’s the price. A captive agent has one company’s rate to offer you. We have a few, and we do the comparing.

What we do all day

Most of it isn’t selling. It’s the paperwork that comes after:

• The certificate of insurance a general contractor wants this afternoon
• The ID card for the glove box
• The Registry form stamped so the car can get plates
• Proof of insurance for a lender before a closing
• A claim after a nor’easter

After more than four decades on the South Shore, we already know your account when you call. The person who answers is the person who fixes it.

What we insure

Home, auto, condo, coastal and flood, boat, umbrella, business and life insurance.

Many of our homes are near the water: Hull, Scituate, Cohasset and the Hingham shore. We write coastal homes with many companies, and we know which ones will write on your street.

How to reach us

• Email is best: LawlessAgency@Gmail.com. Send your current policy and we’ll quote it.
• Office hours: Monday to Friday, 9 am to 3 pm.
• Visits are by appointment. Call or email first and we’ll set a time.
• Phone: 781-749-8386

Three things to check on your own policy

1. Flood isn’t in your homeowners policy

No homeowners policy covers flooding from the sea, a storm surge or a river. That’s a separate flood policy, and floods happen outside the mapped zones too. If you’re anywhere near the water, ask us what your address needs.

2. An umbrella costs less than you think

A lawsuit can run past the liability limit on your home or auto policy. An umbrella policy adds a million dollars or more on top of both. If you have teen drivers, a pool, a dock, a boat or a rental unit, ask us.

3. Is your house insured for what it would cost to rebuild?

Ask yourself: if the company wrote a check for the amount on the policy today, would it rebuild the house? Construction and labor costs change, and a limit set a few years ago may not keep up.

We can run the number with you. We won’t change your policy without your say-so. The review is free, and the decision is yours.

The information provided on this webpage is for general informational purposes only and should not be construed as legal, financial, or insurance advice. Coverage needs and policy terms vary based on individual circumstances, and it is the policyholder’s responsibility to ensure their coverage meets their specific needs. We encourage you to consult with us to review your policy and discuss any necessary updates. Changes to your policy cannot be made without your explicit authorization. This webpage does not create a client-agent relationship, and no guarantees are made regarding the adequacy of your insurance coverage based solely on the information provided here. Always refer to your policy documents for specific coverage details and terms.