NorthStar Insurance Services, INC.

Insurance Agency in Needham
Open today until 4:30 PM
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One of the main components of a comprehensive insurance program for any business, and especially contracting operations, begins with Commercial General Liability (CGL) insurance. This type of policy generally provides coverage in the event of bodily injury and/or property damage liability claims ...

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Over the past year, we have seen many cases of the devastating impacts of a data breach. From May’s WannaCry ransomware attack that affected National Health Services hospital operations in England to the Equifax breach that compromised the Social Security numbers, driver’s license numbers, and ot...

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When insuring real estate, it is sometimes tempting for commercial real estate owners to consider the “high level” points associated with one’s insurance program, such as total insured limits and final premium charge, however commercial property insurance is an arena in which a common adage holds...

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The Experience Modification Rating (EMR) is a metric used by insurance carriers to gauge both the past cost of workers’ compensation claims and the future probability of additional claim costs.

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In today’s environment, virtually all commercial subcontractors are familiar with the presence of insurance-related requirements and strong “risk transfer” language in client contracts. General contractors and construction managers often (if not always) require that subcontractors carry certain ...

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When it comes to commercial insurance, most business owners are very familiar with what many would agree are the “staple” coverage areas required to operate one’s business (e.g. General Liability, Workers’ Compensation, Automobile Insurance, Umbrella Liability, etc.). That said, one area of very...

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While virtually all commercial contractors are familiar with Commercial General Liability (CGL) insurance, which affords protection against liability claims alleging bodily injury or property damage arising out of one’s operations, most are not aware of common limitations within a standard CGL po...

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According to the Environmental Protection Agency (EPA), 25% or 160 million tons of non-industrial waste generation in the United States is caused by construction activity, which includes land clearing, demolition, burning, and working with toxic materials. In addition, construction sites generate...

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Throughout the year, and especially during the summer months, community associations and individual unit owners may wish to host parties or events at which alcohol is served (or brought and consumed by attendees). Whenever alcohol is involved, a “liquor liability” exposure is introduced, and whe...

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Products & Services

  • Business Insurance

    Our team of experienced professionals at NorthStar Insurance Services provides customized risk management and insurance solutions, tailored to your specific industry and risk profile. With broad access to insurance carriers and a deep knowledge of insurance markets, we work with you to implement the most cost-effective program to fit your specific needs and objectives. We will evaluate your operations, the exposures you face and how to effectively mitigate, avoid and transfer your risks. We treat your business and its risks as if they were our own, working to uncover any gaps or overlaps and putting into place the program you need to continue to grow with peace of mind.
  • Employee Benefits

    Today’s employee benefits environment requires an advisor with fresh thinking to go beyond what has been traditionally offered so that your program is future-proof. That advisor is NorthStar Insurance Services. Our affiliate company, NorthStar Benefit Insurance Agency, together with our partner OneDigital Health and Benefits, offers comprehensive employee benefit solutions to businesses. We provide plans for large corporations and main-street shops – with an innovative approach on benefit design, product analysis and selection, program implementation, and ongoing support and service. We look at ways to lower your costs, implement performance-based programs through engagement, balance the needs of today’s cross-generational staff with that of the company’s, and more.
  • Personal Insurance

    With NorthStar Insurance Services as your personal insurance advisor, you get the advantage of a professional staff that truly cares about protecting you, your family and the hard work you put into getting where you are today. We understand how one accident or catastrophic loss can upend your security and peace of mind, and work with you to pinpoint how best to cover you, your family, assets and valuables. Our product reach covers everything from auto and homeowners, to the fun stuff people purchase, to high-end property, collectibles and income protection in the event of a disability, illness or death.
  • Surety Bonding

    At NorthStar Insurance Services, we insure all types of operations throughout New England, many of which require Surety bonds to conduct business. We also specialize in insuring the construction industry, which as part of a total comprehensive program requires bonding capacity in order to land government, municipality and commercial jobs. We can provide you with the right surety arrangements – whether you’re looking for your first bond or have an established history.
  • Risk Management

    When it comes to managing your business and personal risk, there are several important strategies needed to provide you with a comprehensive approach in mitigating, preventing, transferring, assuming and financing risk. Most insurance brokers only focus on transferring risk through insurance. At NorthStar Insurance Services, our approach encompasses each of these strategies so that we can not only protect you against the unexpected but also help you in reducing the cost of your total risk.


a year ago
We have been clients of Northstar Insurance for 32 years for homeowners and auto insurance. The customer service representatives are highly competent. All questions are answered promptly. Forms are processed quickly and accurately. Top-notch!
- Deborah R
a year ago
- Tim B
a year ago
- Pamela H


Founded in 1995, independently owned NorthStar Insurance Services is one of New England’s largest independent insurance agencies. Our growth and size, however, has not changed the philosophy and approach on which we were founded. We take a local, hands-on approach in servicing our clients while leveraging the resources and expertise of our size to deliver the tailored solutions you need to protect your assets, reputation, people and customers.

Contact Us


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  • (855) 534-4823


Get directions
300 1st Avenue Suite 100
Needham, MA 02494
United States

Business Hours

Mon:8:30 AM – 4:30 PM
Tue:8:30 AM – 4:30 PM
Wed:8:30 AM – 4:30 PM
Thu:8:30 AM – 4:30 PM
Fri:8:30 AM – 4:30 PM