AMD Insurance Group

AMD Insurance Group We create tailored insurance solutions to protect the things that matter most to you.

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/18/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

Construction projects are complex, and insurance claims can arise from a wide range of situations. Knowing what the most...
08/12/2026

Construction projects are complex, and insurance claims can arise from a wide range of situations. Knowing what the most common claims look like and what steps can reduce the risk of facing them is one of the most important things a construction business can do to protect its projects and its bottom line.

Swipe through for a breakdown of several common construction insurance claims and practical prevention tips for each.

If you have questions about your construction coverage, don’t hesitate to give our team a call. We are here to help make sure your operation is fully protected.

If your business provides services or advice to clients, professional liability insurance, also known as errors and omis...
08/11/2026

If your business provides services or advice to clients, professional liability insurance, also known as errors and omissions insurance, is one of the most important coverages you can carry. Swipe through for a quick overview of what this coverage is, which businesses need it, and why it matters.

If you have questions about your professional liability coverage, reach out to us today. We are here to help you stay covered and protected.

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one ...
08/04/2026

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one of the most important pieces of the puzzle. That’s where commercial umbrella policies come in.

Swipe to learn more about how this coverage works and whether it's right for your business.

If you'd like to talk through whether a commercial umbrella policy makes sense for your business, know that we are always happy to help. Feel free to give the office a call today.

Whether your student is just starting college or already well into their academic career, insurance is an area worth rev...
08/04/2026

Whether your student is just starting college or already well into their academic career, insurance is an area worth revisiting periodically to ensure they have the right coverage in place.

With the start of the school year approaching, we wanted to take a moment to share a few key coverages to review before students head back to school. Swipe for more information.

Taking time to review these key coverages ahead of back-to-school can help give you and your student peace of mind. Our team is here to help review your current coverage and talk through additional policies and riders where it makes sense. Give us a call today, and we can get started.

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on y...
07/28/2026

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on your property, is your current homeowners coverage prepared to respond?

Swipe to see some insurance considerations to keep in mind before you host a party this summer.

If you are planning to host this summer, now is the time to review your coverage and identify any gaps. Give us a call today. We’re here to help make sure you’re ready to welcome guests to your home this summer.

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related...
07/23/2026

Have you heard of Employment Practices Liability Insurance (EPLI)? This key coverage can be crucial in workplace-related claims tied to how you hire, manage, and support employees.

EPLI is designed to help protect your business against certain workplace-related claims, including wrongful termination, discrimination, harassment, retaliation, and decisions regarding hiring and promotions. These claims can be time-consuming, costly, and disruptive, regardless of a company’s size. Additionally:

✅ A single claim can lead to significant legal expenses, even if no wrongdoing is found.
✅ Leadership time and attention may be pulled away from running the business to handle a legal proceeding.
✅ Claims can involve not only employees, but also customers, vendors, or other third parties, depending on the situation.
✅ Situations can escalate quickly, especially when there are differing perspectives or limited documentation.

EPLI can help provide a financial backstop so one issue doesn’t disrupt your day-to-day operations or long-term plans.

If you would like to talk through adding EPLI coverage to your current portfolio or simply review your existing coverage, our team would be happy to connect and answer any questions you may have. Give us a call today, and we can get started.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

The dog days of summer are here, and we are just stopping by to say hello! We hope you’re soaking up the sun, catching a...
07/15/2026

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.

Growth is a good sign for any business, but it can quietly create gaps in your insurance coverage if your policy has not...
07/09/2026

Growth is a good sign for any business, but it can quietly create gaps in your insurance coverage if your policy has not kept up with the changes.

Two areas that can often get overlooked are new equipment purchases and larger contracts.

If your business has invested in new machinery, tools, or technology, those assets may not be reflected in your current property limits. And if you have taken on bigger clients or contracts this year, there may be liability requirements or additional insured endorsements that your existing policy does not already include.

These gaps are worth catching before a loss or a contract dispute brings them to the surface. Give us a call, and we are happy to review your current coverage.

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20 Chestnut Street
Needham, MA
02492

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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