Studies show that for most people the value in their home is their greatest asset.   

Helping to protect that asset is one of the most important things we do at Loughlin Insurance Agency/New England Insurance Group. We survey our fifty-plus insurance carriers for the best price and coverage for each of our customers.

Please see the information below, click on the website of your home insurance carrier or visit our website for more important information. Home is where the heart(and money) is!

5 Reasons To Review Your Home Insurance Policy 

  1. An increase in property value. 

You may need to increase your Massachusetts home insurance coverage to reflect the new value of your home.

  1. An increase in personal contents. 

Since purchasing your home, your personal contents have likely increased and will need to be added into the coverage to be sure they are protected in the case of loss or damage.

  1. Home improvements. 

Painting a room, renovating your kitchen, or finishing the basement all increase the replacement cost of your home.

  1. Safety system additions.

You may not be receiving the discounts for alarm and home surveillance systems added after you got your home insurance.

  1. Pets. 

Depending on certain animals and breeds, your insurers may assign higher premiums due to higher risk based on historical data.


May is the month we recognize small businesses and entrepreneurs with the  U.S. Small Business Administration (SBA) declaring May1-7 “ National Small Business Week”.

 Over 32.5 million small U.S. businesses play an integral role in powering the nation’s economy representing almost 44% of GDP. Entrepreneurs create two-thirds of all new jobs and are considered the backbone of our economy.

 As a small, first-generation business ourselves, LIA/NEIG is proud to do our part by providing comprehensive business insurance and financial services to our diverse clientele such as truckers, tradesmen, light manufacturers, and professionals in the engineering, legal, and accounting professions.

 Whether a customer’s needs are business auto, general liability, workers compensation, or a host of other coverages, LIA/NEIG stands ready to help. We can provide years of insurance experience and options from all the leading companies in the industry backed by concierge-level customer service.

Please click on the link below for excellent information from our website on business insurance.




Loughlin Insurance Agency/New England Insurance Group is fortunate to represent the finest insurance carriers in the industry.  One benefit of these relationships is the value-added perk of constantly receiving helpful information to pass on to our valued customers.

Please click on the links below for important property protection hints from our partners at Nationwide, Safety Insurance, and The Hartford. Winter should be a time for fun…not a loss!

Winter Preparedness and Safety Tips – Nationwide

Winter Weather Safety Tips | The Hartford

Protect your home against damage from freezing weather (

LIA/NEIG is one of the fastest-growing insurance organizations in the Northeast with offices and services throughout New England. We thank you for your continued support!

Massachusetts Summer Fire Safety Tips

Summer should be fun but safety is always important too.   At Loughlin Insurance we want all our friends and customers to be aware of the techniques and preventions to make it a great Summer vacation and holiday season!

Nothing rings in summer like firing up the grill, making s’mores, or getting your boat back on the water. Unfortunately, these warm-weather milestones significantly increase the risk of fires—and not always in the ways we expect.

Here are our experts’ tips for a safe, fire-free summer.


U.S. firefighters respond to more than 10,000 grill fires each year. Not surprisingly, most of these fires occur in the summer. Before you plan your next cookout:

  • Clean your grill: Inadequate or infrequent grill cleaning is the leading cause of grill fires. Leftover cooking residue or leaking fuel can ignite without warning, turning your grill into a torch in a matter of seconds. Thoroughly clean your grill every time you use it.
  • Check your spacing: Grills should generally be placed at least ten feet from anything flammable, including your home. Check your manufacturer’s guidelines for measurements specific to your grill model.

Want to learn more? Check out the NFPA’s Grilling Safety Tip Sheet.

Fuel and Flammables

Some summertime flammables, including tiki torches, gas-powered landscaping equipment, and fire pits are easy to spot. Others, such as improperly disposed oily rags, may not be on everyone’s fire safety radar. Read the warning labels on any chemicals, fuels, or cleaning supplies you use this summer. Linseed oil, mineral spirits, Sterno burners and turpentine are some examples of common household flammables. Remember that oily rags tossed in the trash can combust.


Smoking is the fifth leading cause of house fires in the U.S., and the number one cause of house fire fatalities. Smoking fires can be prevented, though. Check out our tips here.

Fire Pits

Everyone loves a freshly toasted s’more, but no one loves a fire pit flare-up! If you’ll be spending time around the campfire this summer, check out these tips for keeping kids safe around fire pits, which types of wood to burn, and more.


Over 9,000 fireworks-related injuries were reported to emergency rooms in 2018. More than a third of those ER visits were children. If fireworks are legal where you live and you’re planning to use them this 4th of July, be sure to keep them away from homes, flammables, and dry brush. Never let children handle sparklers or firecrackers, and soak both used and unused fireworks in water for at least two hours before tossing them out. Remember that hand sanitizer is extremely flammable – if you’ve recently used it, leave the sparklers to someone else!

In Any Season

Planning is everything. Know your emergency plan before a fire breaks out and talk with your family about evacuation routes. Make sure all family members are up to date on where you would meet if you got separated. Keep fire extinguishers on hand, keep your smoke detectors in good shape, and practice getting everyone out of the house (including pets!) safely. After the fire is put out and everyone is accounted for, call your independent insurance agent. They can help you navigate repairing, rebuilding, and replacing your home, apartment, or belongings.

Data source: NFPA


Summer in Massachusetts is definitely a time to have fun but when it comes to driving, safety is crucial. Our great business partners at Travelers have some safety hints for all drivers, young drivers, and distracted drivers!  Visit the link below for excellent information that will make the Summer a safe one.

Summer travel safety tips
Original Post:


Massachusetts property Insurance Costs have risen dramatically over the past few years.   Here are eight ways Loughlin Financial Group suggests for customers to save money.


Massachusetts insurance companies vary, but by increasing your claims deductible from $1000(common) to $2500 you could save between 10-20% on your annual premium.  One rule of thumb says that if you save the difference between the deductibles in premium decrease in three years its worth it

Remember, if you do change stick to it!


These days some insurance carriers apply a “surcharge” after only ONE claim is filed!   “Self Insuring” (paying out of pocket) small claims can result in premium savings when combined with a higher deductible choice. Viewing Homeowners Insurance as only being for catastrophic protection can in most instances be smart financial budgeting.


Take advantage of “package pricing” by combining your Homeowners, Auto, and Umbrella policies with one company. Companies appreciate the extra premium and reward customers with package or bundling discounts of up to 20%.


Make sure to work with an experienced, independent agent who has access to a dozen or more carriers to comparison shop your policies each year.  It doesn’t always make sense to switch as companies offer “loyalty” discounts but companies DO differ in the competitiveness of their pricing from year to year and introduce new discounts all the time(especially true during the COVID Pandemic).   For example, did you know some companies offer a claims-free discount if no claims have been filed in several years?


“Attractive nuisance” items like trampolines,  tree houses, and hot tubs carry significant risk and are factored into an insurance companies premium pricing. Often these items are no longer in use and owning them discourages the insurance carrier from writing the risk at all,  providing the most competitive pricing, or in some cases renewing the policy.


Installing devices such as a smart thermostat can protect your home from unexpected temperature changes and usually save energy as well.   Many Insurance Companies now offer discounts   or utilizing this technology as well.


Statistics show that NOT having a home security system increase the odds of a break in by 200-300%. Many systems now offer protection for homeowners while AT HOME through the use of surveillance cameras, carbon monoxide protectors and automatic fire alerts. Water safety systems and water shutoffs can also be a good idea and cost saving.

Insurance companies like home protection systems very much for the obvious reasons and provide discounts of up to 20% for installing and using them


Beyond the aesthetics and pride of ownership reasons, homeowners should consider updating roofs, HVAC systems,  windows, wiring and plumbing periodically.  Insurance companies factor all these items into pricing insurance premiums and very much do periodic inspection of properties, especially when considering a new application.  Having insurance non renewed or cancelled is a real problem.   You can’t shop around for better coverage and pricing if you’re afraid to show the company your home’s condition.

There are other ways to get the best Homeowners Insurance premiums.    Let LFG give you a no-obligation “Price Check” today!

Umbrella Insurance, You Don’t Have To Be A Millionaire


 Umbrella Insurance (Extended Personal Liability) is a valuable coverage that you may never have heard of.   Yet you may need it even if you’re not a “high earner”.

   If you:

             Own a car and or a home;

             Have children especially youthful drivers;

             Own pets;

             Have a regular income assets and/or retirement savings;

             Enjoy the use of boats, ATVs, motorhomes, snow mobiles etc.;

             Have a swimming pool, or a myriad of other circumstances…

  You should consider purchasing umbrella coverage through your local agent!

A personal umbrella policy can provide an extra layer of protection and can kick in where damages for covered claims might exceed underlying auto or homeowner limits. Umbrella Insurance can provide:

  • An extra 1 million to 10 million of liability coverage which can help protect assets and income in the event of a lawsuit resulting from auto, home or personal claims;
  • Coverage for other claims like libel, slander, defamation of character and invasion of privacy;
  • Legal defense costs and attorney’s fees.

In today’s world, anyone can get hit with a lawsuit and claims and awards continue to rise. That’s why it may be more important than ever to investigate and consider adding an umbrella policy to your personal insurance portfolio for protection…and your peace of mind.

You can always get in touch with us at:




October Is Cyber Security Month – Are You At Risk?


The COVID 19 pandemic has caused many changes to the way businesses, governments and individuals operate, and introduced a wide spectrum of new challenges and risks.   This is especially true as more companies operate remotely and workers do their jobs from home.

October is designated as “Cyber Security Month”.   Just about any organization or individual that uses technology to conduct business faces cyber security issues.   These include:

    *Scams involving false requests for donations, personal information, bill collection, investment opportunities;

    * Computer System breach resulting in the theft of identity;

     * Hacking of cell phone data and social media platforms;

     * Ransomware demands, Malware attacks, Phishing email scams.

Unfortunately, successful cyber security crimes are growing exponentially (more than doubling over the last ten years) and can result in lost business revue, loss of customers, expensive data recovery costs, litigation and possible government censure.   Any business or individual who accepts credit cards or digital payments or keeps medical, legal or financial data for themselves or others is a target for cyber crime.

    Cyber Security Insurance is becoming more sophisticated and can be one answer to preventing and remedying these risks.    Coverages available include but are not limited to:

-Breach costs i.e. forensic identification of data stolen;

-Cyber Extortion i.e. identifying anonymous currencies;

-Cyber Crime such as “Social Engineering” and funds transfer fraud;

-Business Interruption;

-Data Recovery Expense.

 More and more of the major insurance carriers LFG represents such as Travelers and The Hartford offer comprehensive Cyber Security Insurance Programs that can be tailored for an organization or business’s exact needs. Act now to protect yourself and your customers from loss.

You can always get in touch with us at:




Happy Labor Day 2020

Loughlin Financial Group is pleased to wish all our family, friends, and customers a happy Labor Day.

Originally intended as a holiday to recognize the work and contributions of American workers, Labor Day was made a Federal holiday in 1894.

In 2020,work has been in the forefront due to the COVID-19 pandemic. Professions and businesses in all areas have had to revisit when, how, and where work is done and certain changes like work from home are sure to be permanent.

Booker T. Washington said” Nothing ever comes to one that is worth having except as a result of hard work”. Work in fact is more than just toil; it is what gives people their purpose, fulfillment and truly the “pursuit of happiness” the Framers intended.

LFG is excited to continue our work FOR YOU now and into the future. We thank you as always for your continued support.

You can always get in touch with us at:




July-August COVID-19 Updates | COVID Insurance Webinar Series

   Massachusetts and all of New England continue the battle against the Covid-19 pandemic. Loughlin Financial Group is working diligently with all our Massachusetts insurance carriers to help our clients weather the financial burdens of this crisis.  Companies have adopted a variety of remedies, from being flexible with non-payments and cancellation notices to waiving fees and adjusting current premiums due.

For Commercial clients, some companies are willing to adjust payroll or gross sales figures both of which directly affect premiums.   All companies are attempting to be extra time-sensitive in expediting claims and when possible making other accommodations.

Please feel free to contact your current company directly, or as always our office   You can access most company’s contact info on our website    We will continue to do everything we possibly can to help you.

Useful Information From The Mass Agent Newsletter

Producers: Renew Your Insurance License Online, Even If It’s Extended
Members still have questions about their MA insurance licenses, so here’s a recap: Licenses that expire during the COVID-19 state of emergency will remain valid for 90 days after the emergency order is lifted. Licenses that expire after the emergency (even if it’s one day after) will not be extended. Unfortunately, there’s no way to know when the emergency order will be lifted. So, the DOI recommends completing your CE requirements and starting the online license renewal process in advance of your original renewal date. If that is not possible, the extension provides a safety net. READ MORE

CIC & CISR Renewals Extended Until September 30
As a reminder, the National Alliance, which oversees CIC, CISR, CRM, and Rubles Graduate Seminars, is automatically extending the renewal date for all designees with updates due between February and June of this year.  Please contact the National Alliance with any questions/concerns.

RMV Service Center Openings & Changes
On June 29th, the following RMV Service Centers opened or changed the transactions they are processing: Danvers and Martha’s Vineyard opened for general appointments and learner’s permits; Haverhill opened for B2B; and Wilmington stopped doing CDL and is now B2B and new IRP transactions only. READ MORE

Learner’s Permits Can Now be Scheduled for All Ages
Effective immediately, Class D and M learner’s permit reservations can be scheduled online by ALL applicants 16 years or older, regardless of age or birthday. This also applies for applicants who need to get a learner’s permit for reinstatement. READ MORE

Road Test Scheduling & Rescheduling Update
The RMV is currently rescheduling road tests that had originally been scheduled from March 16-May 17, and expects to complete these by July 21. The public will be soon able to schedule NEW road tests online during the week of June 29. READ MORE

7-Day Law for Registration Transfer Temporarily Extended to 21 Days
The grace period to register a new vehicle has been extended from 7 days to 21 calendar days from the date a customer loses possession of their previous vehicle. READ MORE

Temporary Change to JOL 6 Hours Driving School Observation Requirement
Instead of the 6 hours observing another student driver that is normally required, junior operators can complete an additional 6 hours of supervised driving with a parent, guardian, or designee. READ MORE

IRP (Apportioned) Plates Expiration Extended by 3 Months
Good news! In response to the COVID-19 pandemic, all currently active Massachusetts International Registration Plan (IRP) registrations that are due to expire on June 30, 2020 are now valid through September 30, 2020. READ MORE

Motorcycle Inspection Stickers Will Not Expire Until July 30
The RMV has implemented a further extension for motorcycle inspection stickers. All motorcycle inspection stickers will now expire on July 31, 2020, consistent with the extension for all commercial and non-commercial inspection stickers. They had previously been extended only to June 30. READ MORE

Is my business essential? Massachusetts Essential Businesses List (COVID-19)

     We certainly find ourselves in unprecedented times both personally and as business people. As you may know, Massachusetts Governor Charlie Baker has issued a Stay at Home Advisory and ordered the closure of Non Essential Businesses* effective at Noon Tuesday, March 24, 2020.

As a financial services company, Loughlin Financial Group/Loughlin Insurance Agency is considered an essential business and we continue to be open for our customers throughout the USA.  Out of an abundance of caution for our invaluable staff, we continue to work remotely during this time.

We can be reached as always by:   






We will return messages as soon as possible.       

TOGETHER we will get through this international health and financial crisis and be stronger than ever. Sincerely,

Tom Loughlin, President of LFG

Below is the official list of essential businesses from the Mass.Gov website. For updated information visit:

COVID-19%20Essential%20Services%20List (1)



March 23, 2020

Governor Charlie Baker issued an emergency order requiring all businesses and organizations that do not provide “COVID-19 Essential Services” to close their physical workplaces and facilities to workers, customers and the public as of Tuesday, March 24th at noon until Tuesday, April 7th at noon. These businesses are encouraged to continue operations remotely.

The Baker-Polito Administration issued a list of designated businesses and other organizations that provide essential services and workforces related to COVID-19 that shall continue to operate brick and mortar facilities during this two-week time period. This list is based on federal guidance and amended to reflect the needs of Massachusetts’ unique economy. While these businesses are designated as essential, they are urged to follow social distancing protocols for workers in accordance with guidance from the Department of Public Health.

Businesses and organizations not on the list of essential services are encouraged to continue operations through remote means that do not require workers, customers, or the public to enter or appear at the brick-and-mortar premises closed by the order.

Restaurants, bars, and other establishments that sell food and beverage products to the public are encouraged to continue to offer food for take-out and by delivery if they follow the social distancing protocols set forth in Department of Public Health guidance continue operations. On-premises consumption of food or drink is prohibited.


  • Workers providing COVID-19 testing; Workers that perform critical clinical research needed for COVID-19 response

  • Medical Professionals and caregivers (e.g., physicians, dentists, psychologists, mid-level practitioners, nurses and assistants, infection control and quality assurance personnel, pharmacists, physical and occupational therapists and assistants, social workers, speech pathologists and diagnostic and therapeutic technicians and technologists, other providers of mental and behavioral health care, personal care attendants, home health aides and home care workers)

  • Hospital and laboratory personnel (including accounting, administrative, admitting and discharge, engineering, epidemiological, source plasma and blood donation, food service, housekeeping, medical records, information technology and operational technology, nutritionists, sanitarians, respiratory therapists, etc.)

  • Workers in other medical facilities (including Ambulatory Health and Surgical, Blood Banks, Medical Clinics, Community Mental Health Centers, Methadone/OBOT Clinics, 24 hour Diversionary and Residential Behavioral Health Providers, Comprehensive Outpatient rehabilitation, End Stage Renal Disease, Health Departments, Home Health care, Hospices, Hospitals, Nursing Facilities, Rest Homes, Assisted Living Residences, Organ Pharmacies,

    Procurement Organizations, Psychiatric Residential, Residential Treatment Schools, Rural Health Clinics and Federally Qualified Health Center s and Community Health Centers, State Hospitals, and licensed medical marijuana retailers)

  • Workers in other 24/7 community resident services serving children and youth, and individuals with developmental, intellectual, physical and/or cognitive disabilities

  • Manufacturers, technicians, logistics and warehouse operators, and distributors of or necessary to the supply chain of medical equipment, personal protective equipment (PPE), medical gases, pharmaceuticals, blood and blood products, vaccines, testing materials, laboratory supplies, cleaning, sanitizing, disinfecting or sterilization supplies, and tissue and paper towel products

  • Public health / community health workers, including those who compile, model, analyze and communicate public health information

  • Blood and plasma donors and the employees of the organizations that operate and manage related activities

  • Workers that manage health plans, billing, and health information, who cannot practically work remotely

  • Workers who conduct community-based public health functions, conducting epidemiologic surveillance, compiling, analyzing and communicating public health information, who cannot practically work remotely

  • Workers performing cybersecurity functions at healthcare and public health facilities, who cannot practically work remotely

  • Workers conducting research critical to COVID-19 response

  • Workers performing security, incident management, and emergency operations functions at or on behalf of healthcare entities including healthcare coalitions, who cannot practically work remotely

  • Workers who support food, shelter, and social services, and other necessities of life for economically disadvantaged or otherwise needy individuals, such as those residing in shelters

  • Pharmacy employees necessary for filling prescriptions

  • Workers performing mortuary services and workers at funeral homes, crematoriums, and cemeteries

  • Workers who coordinate with other organizations to ensure the proper recovery, handling, identification, transportation, tracking, storage, and disposal of human remains and personal effects; certify cause of death; and facilitate access to mental/behavioral health services to the family members, responders, and survivors of an incident


  • Personnel in emergency management, law enforcement, Emergency Management Systems, fire, and corrections, including front line and management required to maintain operations

  • Emergency Medical Technicians

  • 911 call center employees, including telecommunicators, dispatchers and managers

  • Fusion Center employees

  • Hazardous material responders from government and the private sector.

  • Workers – including contracted vendors — who maintain digital systems infrastructure supporting law enforcement and emergency service operations.


  • Workers supporting groceries, pharmacies and other retail, including farmers markets and farm stands, that sells food and beverage products, including liquor stores

  • Restaurant carry-out and quick serve food operations – Carry-out and delivery food employees

  • Food manufacturer employees and their supplier employees—to include those employed in food processing (packers, meat processing, cheese plants, milk plants, produce, etc.) facilities; livestock, poultry, seafood slaughter facilities; pet and animal feed processing facilities; human food facilities producing by-products for animal food; beverage production facilities; and the production of food packaging

  • Farm workers to include those employed in animal food, feed, and ingredient production, packaging, and distribution; manufacturing, packaging, and distribution of veterinary drugs; truck delivery and transport; farm and fishery labor needed to produce our food supply domestically

  • Farm workers and support service workers to include those who field crops; commodity inspection; fuel ethanol facilities; storage facilities; and other agricultural inputs

  • Workers supporting the seafood and fishing industry

  • Employees and firms supporting food, feed, and beverage distribution, including warehouse workers, vendor-managed inventory controllers and blockchain managers

  • Workers supporting the sanitation of all food manufacturing processes and operations from wholesale to retail

  • Company cafeterias – in-plant cafeterias used to feed employees; food service workers in residential schools with students who are unable to leave campus

  • Workers in food testing labs in private industries and in institutions of higher education

  • Workers essential for assistance programs and government payments

  • Employees of companies engaged in the production of chemicals, medicines, vaccines, and other substances used by the food and agriculture industry, including pesticides, herbicides, fertilizers, minerals, enrichments, and other agricultural production aids

  • Animal agriculture workers to include those employed in veterinary health; manufacturing and distribution of animal medical materials, animal vaccines, animal drugs, feed ingredients, feed, and bedding, etc.; transportation of live animals, animal medical materials; transportation of deceased animals for disposal; raising of animals for food; animal production operations; slaughter and packing plants and associated regulatory and government workforce

  • Organizations and workers responsible for the care and custody of animals, pets and livestock

  • Workers who support the manufacture and distribution of forest products, including, but not limited to timber, paper, and other wood products

  • Employees engaged in the manufacture and maintenance of equipment and other infrastructure necessary to agricultural production and distribution


    Electricity industry:

  • Workers who maintain, ensure, or restore the reliable generation, transmission, and distribution of electric power, including call centers, utility workers, reliability engineers and fleet maintenance technicians

  • Workers needed for safe and secure operations at nuclear generation

  • Workers at generation, transmission and electric blackstart facilities

  • Workers at Reliability Coordinator (RC), Balancing Authorities (BA), and primary and backup Control Centers (CC), including but not limited to independent system operators, regional transmission organizations, and balancing authorities

  • Mutual assistance personnel

  • IT and OT technology staff – for EMS (Energy Management Systems) and Supervisory Control and Data Acquisition (SCADA) systems, and utility data centers; Cybersecurity engineers; cybersecurity risk management

  • Vegetation management crews and traffic workers who support

  • Environmental remediation/monitoring technicians

  • Instrumentation, protection, and control technicians

    Petroleum workers:

  • Petroleum product storage, pipeline, marine transport, terminals, rail transport, road transport

  • Crude oil storage facilities, pipeline, and marine transport

  • Petroleum refinery facilities

  • Petroleum security operations center employees and workers who support emergency response services

  • Petroleum operations control rooms/centers

  • Petroleum drilling, extraction, production, processing, refining, terminal operations, transporting, and retail for use as end-use fuels or feedstocks for chemical manufacturing

  • Onshore and offshore operations for maintenance and emergency response

  • Retail fuel centers such as gas stations and truck stops, and the distribution systems that support them

    Natural and propane gas workers:

  • Natural gas transmission and distribution pipelines, including compressor stations, and road transport

  • Underground storage of natural gas

  • Natural gas processing plants, and those that deal with natural gas liquids

  • Liquefied Natural Gas (LNG) facilities

  • Natural gas security operations center, natural gas operations dispatch and control rooms/centers natural gas emergency response and customer emergencies, including natural gas leak calls

  • Drilling, production, processing, refining, and transporting natural gas for use as end-use fuels, feedstocks for chemical manufacturing, or use in electricity generation

  • Propane gas dispatch and control rooms and emergency response and customer emergencies, including propane leak calls

  • Propane gas service maintenance and restoration, including call centers

  • Processing, refining, and transporting natural liquids, including propane gas, for use as end-use fuels or feedstocks for chemical manufacturing

  • Propane gas storage, transmission, and distribution centers

    Steam workers:

  • Workers who support steam distribution companies’ provision of district heating and any electric generation

  • Workers who support steam distribution companies’ dispatch and control rooms and

    emergency response and customer emergencies, including steam leak calls

  • Workers who support steam distribution companies’ service maintenance and restoration,

    including call centers

  • Workers who support steam distribution companies’ storage, transmission, and distribution



    Employees needed to operate and maintain public and private drinking water and wastewater/drainage infrastructure, including:

  • Operational staff at water authorities

  • Operational staff at community water systems

  • Operational staff at wastewater treatment facilities

  • Workers repairing water and wastewater conveyances and performing required sampling or monitoring

  • Operational staff for water distribution and testing

  • Operational staff at wastewater collection facilities

  • Operational staff and technical support for SCADA Control systems

  • Chemical disinfectant suppliers for wastewater and personnel protection

  • Workers that maintain digital systems infrastructure supporting water and wastewater operations


  • Employees supporting or enabling transportation functions, including dispatchers, maintenance and repair technicians, warehouse workers, truck stop and rest area workers, and workers that maintain and inspect infrastructure (including those that require cross-border travel)

  • Employees of firms providing services that enable logistics operations, including cooling, storing, packaging, and distributing products for wholesale or retail sale or use

  • Mass transit and passenger rail workers, including contracted vendors providing transportation and maintenance services to public transit authorities

  • Workers critical to operating rental car companies and Transportation Network Companies (TNCs) that facilitate continuity of operations for essential workforces, and other essential travel

  • Workers responsible for operating dispatching passenger, commuter and freight trains and public transportation and buses and maintaining rail and transit infrastructure and equipment

  • Maritime transportation workers – port workers, mariners, equipment operators

  • Truck drivers who haul hazardous and waste materials to support critical infrastructure, capabilities, functions, and services

  • Automotive repair and maintenance facilities

  • Workers who respond to and clear traffic crashes, including contracted vendors and dispatchers

  • Manufacturers and distributors (to include service centers and related operations) of packaging materials, pallets, crates, containers, and other supplies needed to support manufacturing, packaging staging and distribution operations

  • Postal and shipping workers, to include private companies

  • Workers who support moving and storage services

  • Employees who repair and maintain vehicles, aircraft, rail equipment, marine vessels, and the equipment and infrastructure that enables operations that encompass movement of cargo and passengers

  • Air transportation employees, including air traffic controllers, ramp personnel, aviation security, and aviation management and other workers – including contracted vendors – providing services for air passengers

  • Workers who support the maintenance and operation of cargo by air transportation, including flight crews, maintenance, airport operations, and other on- and off- airport facilities workers


  • Workers who support the operation, inspection, and maintenance of essential dams, locks and levees

  • Workers who support the operation, inspection, and maintenance of essential public works facilities and operations, including roads and bridges, water and sewer main breaks, fleet maintenance personnel, construction of critical or strategic infrastructure, traffic signal maintenance, emergency location services for buried utilities, maintenance of digital systems infrastructure supporting public works operations, and other emergent issues

  • Workers – including contracted vendors – involved in the construction of critical or strategic infrastructure including public works construction, airport operations, water, sewer, gas, electrical, nuclear, oil refining and other critical energy services, roads and highways, public transportation, solid waste collection and removal, and internet, and telecommunications systems (including the provision of essential global, national, and local infrastructure for computing services)

  • Workers such as plumbers, electricians, exterminators, inspectors and other service providers who provide services that are necessary to maintaining the safety, sanitation, and essential operation of residences, construction sites and projects, and needed facilities

  • Support, such as road and line clearing and utility relocation, to ensure the availability of needed facilities, transportation, energy and communications

  • Support to ensure the effective removal, storage, and disposal of residential and commercial solid waste and hazardous waste

  • Licensed site clean-up professionals and other workers addressing hazardous spills, waste sites, and remediation.

  • Workers who support the operation, maintenance and public safety of state parks, forests, wildlife management areas, water supply protection lands, and other critical natural resources.

  • Workers who support storm clean-up operations (e.g., foresters).



  • Maintenance of communications infrastructure- including privately owned and maintained communication systems- supported by technicians, operators, call-centers, wireline and wireless providers, cable service providers, satellite operations, undersea cable landing stations, Internet Exchange Points, and manufacturers and distributors of communications equipment

  • Workers who support radio, television, and media service, including, but not limited to front line news reporters, studio, and technicians for newsgathering and reporting

  • Workers at Independent System Operators and Regional Transmission Organizations, and Network Operations staff, engineers and/or technicians to manage the network or operate facilities

  • Engineers, technicians and associated personnel responsible for infrastructure construction and restoration, including contractors for construction and engineering of fiber optic cables

  • Installation, maintenance and repair technicians that establish, support or repair service as needed

  • Central office personnel to maintain and operate central office, data centers, and other network office facilities

  • Customer service and support staff, including managed and professional services as well as remote providers of support to transitioning employees to set up and maintain home offices,

    who interface with customers to manage or support service environments and security issues, including payroll, billing, fraud, and troubleshooting

  • Dispatchers involved with service repair and restoration

    Information Technology:

  • Workers who support command centers, including, but not limited to Network Operations Command Center, Broadcast Operations Control Center and Security Operations Command Center

  • Data center operators, including system administrators, HVAC & electrical engineers, security personnel, IT managers, data transfer solutions engineers, software and hardware engineers, and database administrators

  • Client service centers, field engineers, and other technicians supporting critical infrastructure, as well as manufacturers and supply chain vendors that provide hardware and software, and information technology equipment (to include microelectronics and semiconductors) for critical infrastructure

  • Workers responding to cyber incidents involving critical infrastructure, including medical facilities, SLTT governments and federal facilities, energy and utilities, and banks and financial institutions, and other critical infrastructure categories and personnel

  • Workers supporting the provision of essential global, national and local infrastructure for computing services (incl. cloud computing services), business infrastructure, web-based services, and critical manufacturing

  • Workers supporting communications systems and information technology used by law enforcement, public safety, medical, energy and other critical industries

  • Support required for continuity of services, including janitorial/cleaning personnel


  • Workers to ensure continuity of building functions, including local and state inspectors and administrative support of inspection services who are responsible for the inspection of elevators, escalators, lifts, buildings, plumbing and gas fitting, electrical work, and other safety related professional work

  • Security staff to maintain building access control and physical security measures

  • Elections personnel

  • Federal, State, and Local, Tribal, and Territorial employees who support Mission Essential Functions and communications networks

  • Trade Officials (FTA negotiators; international data flow administrators)

  • Weather forecasters

  • Workers that maintain digital systems infrastructure supporting other critical government operations

  • Workers at operations centers necessary to maintain other essential functions

  • Workers who support necessary credentialing, vetting and licensing operations for transportation workers including holders of Commercial Drivers Licenses

  • Workers who are critical to facilitating trade in support of the national, state and local emergency response supply chain

  • Educators and staff supporting public and private emergency childcare programs, residential schools for students with disabilities, K-12 schools, colleges, and universities for purposes of facilitating distance learning, provision of school meals, or performing other essential student support functions, if operating under rules for social distancing

  • Hotel workers

  • Critical government workers, as defined by the employer and consistent with Continuity of Operations Plans

  • Construction Workers who support the construction, operation, inspection, and maintenance of construction sites and construction projects (including housing construction)

  • Workers that provide services for or determine eligibility for public benefits such as subsidized health care, food and feeding programs, residential and congregate care programs, shelter, in- home supportive services, child welfare, juvenile justice programs, adult protective services and social services, and other necessities of life for economically disadvantaged or otherwise needy individuals (including family members)

  • Workers in sober homes

  • Professional services (such as legal and accounting services) and payroll and employee benefit services, when necessary to assist in compliance with legally mandated activities and critical sector services or where failure to provide such services during the time of the order would result in significant prejudice

  • Commercial retail stores that supply essential sectors, including convenience stores, pet supply stores, auto supplies and repair, hardware and home improvement, and home appliance retailers

  • Laundromats and laundry services

  • Workers and instructors supporting academies and training facilities and courses for the purpose of graduating students and cadets that comprise the essential workforce for all identified critical sectors

  • Workers at places of worship


  • Workers necessary for the manufacturing of materials and products needed for medical supply chains including personal protective equipment and hygiene products, transportation, energy, communications, food and agriculture, chemical manufacturing, nuclear facilities, the operation of dams, water and wastewater treatment, emergency services, and the defense industrial base.


  • Workers at nuclear facilities, workers managing medical waste, workers managing waste from pharmaceuticals and medical material production, and workers at laboratories processing test kits

  • Workers who support hazardous materials response and cleanup

  • Workers who maintain digital systems infrastructure supporting hazardous materials management operations


  • Workers who are needed to process and maintain systems for processing financial transactions and services (e.g., payment, clearing, and settlement; wholesale funding; services; and capital markets activities)

  • Workers who are needed to provide consumer access to banking and lending services, including ATMs, and to move currency and payments (e.g., armored cash carriers)

  • Workers who support financial operations, such as those staffing data and security operations centers


  • Workers supporting the chemical and industrial gas supply chains, including workers at chemical manufacturing plants, workers in laboratories, workers at distribution facilities, workers who transport basic raw chemical materials to the producers of industrial and consumer goods, including hand sanitizers, food and food additives, pharmaceuticals, textiles, and paper products.

  • Workers supporting the safe transportation of chemicals, including those supporting tank truck cleaning facilities and workers who manufacture packaging items

  • Workers supporting the production of protective cleaning and medical solutions, personal protective equipment, and packaging that prevents the contamination of food, water, medicine, among others essential products

  • Workers supporting the operation and maintenance of facilities (particularly those with high risk chemicals and/or sites that cannot be shut down) whose work cannot be done remotely and requires the presence of highly trained personnel to ensure safe operations, including plant contract workers who provide inspections

  • Workers who support the production and transportation of chlorine and alkali manufacturing, single-use plastics, and packaging that prevents the contamination or supports the continued manufacture of food, water, medicine, and other essential products, including glass container manufacturing


  • Workers who support the essential services required to meet national security commitments to the federal government and U.S. Military. These individuals, include but are not limited to, aerospace; mechanical and software engineers, manufacturing/production workers; IT support; security staff; security personnel; intelligence support, aircraft and weapon system mechanics and maintainers

  • Personnel working for companies, and their subcontractors, who perform under contract to the Department of Defense providing materials and services to the Department of Defense, and government-owned/contractor-operated and government-owned/government-operated facilities

If the function of your business is not listed above, but you believe that it is essential or it is an entity providing essential services or functions, you may request designation as an essential business.

Requests by businesses to be designated an essential function should only be made if they are NOT covered by the guidance.

To request designation as an essential business, please click here:

Any questions can be directed to

Why Use A Massachusetts Independent Insurance Agent?

Loughlin Financial Group
IS the Independent Insurance Agent of choice for many customers.  For over thirty years we have provided high-level service and advice for all your personal and business insurance needs.  We have dozens of insurance carriers to call upon to help ensure our customers get the best price for the right coverage.  

Hands Off!

Massachusetts will finally enact the new HANDS- FREE DRIVING LAW effective February 23, 2020.   The law states that it will be illegal for drivers to touch their cell phones at any time while driving except of course to initiate the hands-free mode when entering the vehicle.

Fines for violating the new law include the following:

  *Grace period for first offenders ends March 31, 2020

   * First offense $100 fine

   * Second offense $250 fine

    * Third offense $500 fine and a five-year insurance surcharge.

Similar laws have been in place in other states for some time now.   It has been a long time coming in Massachusetts and hopefully will help keep ALL drivers on the road safer.