Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2020

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Company Details
Address: 440 Lincoln Street
City: Worcester
State: Massachusetts
ZIP Code: 01653-0002
Phone Number: 508-853-7200
Year Founded: 1852
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember...

  • Massachusetts Bay Insurance Company is one of the older property and casualty providers in the United States, tracing its history back to 1852
  • Hanover Insurance and its subsidiaries currently have an “A” rating from A.M. Best
  • Hanover and its subsidiaries maintain a 24-hour claims center for both personal and business customers

Massachusetts Bay Insurance Company is one of the older property and casualty providers in the United States, tracing its history back to 1852.

Today, it is part of the Hanover Insurance Group, a group of 18 insurance and financial investment companies around the country. The Massachusetts Bay and Hanover names are often used interchangeably in legal documents we found online.

Hanover Insurance and its subsidiaries currently have an “A” rating from A.M. Best. On its website, the Hanover is proud to state it is the only major insurance company to be upgraded since 2008 by A.M. Best, Standard & Poor’s, and Moody’s.

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Massachusetts Bay Insurance Lines

Hanover’s personal insurance lines include:

  • homeowners
  • auto
  • marine
  • valuables
  • umbrella

Their policies can be as basic as state-mandated liability limits or as complex as adding roadside assistance, full collision, and extended medical and disability coverage.

Hanover does a good job of explaining all of its auto insurance options in order to allow consumers to make informed decisions.

The company’s business insurance lines consist of commercial auto, property, professional liability, workers compensation, and general liability coverages.

Hanover and Massachusetts Bay do provide performance and surety bonds as well as marine and inland coverage for businesses. A small portion of their business revolves around investment services and advice.

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Massachusetts Bay Insurance Locations and Agents

Hanover’s corporate office is located at the address listed above. It maintains two other primary offices; one in Atlanta, Georgia and the other in Howell, Michigan. Regional offices are located throughout the United States as well.

Except for 15 of the states, these regional offices provide support to independent agents who represent Hanover and its subsidiaries. Agents in the 15 excluded states received their support from other regional offices nearby.

The Hanover website indicates that there are independent agents in all 50 states. It provides a locator tool on its website that is utilized by entering your zip code.

The search engine returns a list of local agencies within 15 miles of that zip code. The website also provides a means to search for specific agents by name, address, or telephone number.

Agents who already partner with Hanover or one of its subsidiaries are provided a dedicated section of the website where they can log on and access the company’s agent tools.

Agents who wish to become part of the Hanover family will find information and an online application they can submit to the company.

Massachusetts Bay Insurance Customer Service

Massachusetts Bay and Hanover pride themselves on responsible customer service that meets the needs of all policyholders. They utilize their website for customer service purposes as much as possible by providing important tools that policyholders need.

For example, customers can visit the website to make a one-time payment online.

They can also choose an option to set up automatic billing, which will have payments charged to a credit card or deducted from a bank account on a regular basis.

The company website also offers a series of informational articles and safety tips designed to help customers stay as safe as possible. There are currently only three items in this section, but it is assumed there are more in the works.

Massachusetts Bay Insurance Claims

Hanover and its subsidiaries maintain a 24-hour claims center for both personal and business customers. To report a claim, policyholders are advised to contact the claims center as soon as possible after an incident.

There are two separate phone numbers, one for personal claims and the other for business claims, and both are listed in the claims section of the website. Customers who would prefer to file a claim online have that option as well.

After clicking the appropriate link according to the type of claim you are filing, you will be presented with an online form that needs to be filled out in its entirety.

The script for the online claims service is a bit slow, so be sure to give it enough time to load. After you finish filling out the form you are instructed to click the submit button and wait until you receive confirmation before leaving the website.

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