Martha’s Vineyard Business Insurance

Recognizing the unique requirements and risks to Vineyard businesses, organizations, and individuals, we focus on the inherent island community risks they face. Through careful alignment and leveraging all of the S&S family assets, the MVI teams deliver best-in-class products and services the way Vineyarders have come to expect.

Construction Risk Solutions


At Martha’s Vineyard Insurance, we understand the specific risks that construction companies face here on the island. You deserve an agent who can advise you on securing the right insurance coverage for the needs of your residential or commercial business, while working to lower your costs.

Our experts can advise you on the best practices to help improve workplace safety. In addition to basic insurance, we can tailor your policy to include:

  • Inland Marine Insurance (builder’s risk, contractor’s equipment)
  • Professional Liability Coverage
  • Owners and Contractors Protective Liability (OCP)
  • Pollution Liability
  • Other Project Specific Coverage

Education Risk Solutions


Educational institutions are facing more risks today than ever before: school safety, sexual harassment and crisis management, to name a few. That’s why you need an agent who understands the unique risks of the industry. We can provide you with a comprehensive insurance program that allows you to focus on fostering a love of learning, including:

  • Professional Liability
  • Fiduciary Liability
  • Sexual Abuse Coverage
  • Crisis Event Coverage
  • Commercial Auto Coverage
  • Errors & Omissions Coverage

Eldercare Risk Solutions


Both assisted living and skilled nursing facilities face complex risks that exist only in the elder care industry. These exposures require very specialized insurance coverage. At Martha’s Vineyard Insurance, our team of professionals understands the unique risks of elder care services, and can customize a program to meet those needs, including:

  • Professional Liability
  • Administrative Defense Coverage
  • Public Relations Expense
  • Emergency Evacuation Expense

Energy Risk Solutions


At Martha’s Vineyard Insurance, we understand the complex risks of the energy industry. We’re dedicated to protecting fuel oil dealers, propane dealers, C-store operators and gasoline haulers, HVAC service and installation companies, solar installers, and companies that sell kerosene and wood pellets.

We’ll conduct a comprehensive review of your current insurance programs, and offer additional coverage suggestions, including:

  • Commercial Auto & Transportation
  • Motor Cargo
  • Workers Compensation
  • Storage Tank Liability
  • Cyber Liability
  • Employment Practices Liability
  • Commercial Umbrella

Martha’s Vineyard Insurance, a division of Starkweather & Shepley, is a proud member of the Massachusetts Energy Marketers Association (MEMA) and the New England Fuel Institute (NEFI).

Hospitality Risk Solutions


Let’s face it, if there is one thing the island does well, it is hospitality! No matter what your business is you will find our hospitality experts second to none! With our experience and depth of knowledge, our experts are prepared to offer customized solutions for any island hospitality business:

  • Seasonal and Year Round Restaurants
    • Fine Dining to your local diner
  • Hotels, Motels, Bed & Breakfast
    • Seasonal, Year Round? Large or Small? We have your solution!
  • Event Planning / Catering / Private Parties>

Human Services Risk Solutions


It’s easy to forget about the needs of your business when the focus of your organization is helping others. We specialize in the human services industry, customizing insurance and risk management solutions specific to your organization. Specialty insurance coverage that your business might need include, but are not limited to, directors & officers (D&O) liability, fiduciary liability, and professional liability.

We assist the following types of organizations in the human services industry:

  • Adoption Agencies
  • Behavioral Healthcare Organizations
  • Child Care Centers
  • Community Centers
  • Developmental Disabilities Providers
  • Group Homes
  • Home Health Care
  • Homeless/Battered Shelters
  • Mental Health Organizations
  • Non-Profit Organizations
  • Religious Organizations
  • Social Service Organizations
  • Substance Abuse Rehabilitation Facilities

Additionally, MVI offers risk management services such as boiler and machinery inspections, CARF accreditation surveys, disaster planning, contractual indemnification and lease reviews, driver training and fleet safety, to name a few.

Marine Risk Solutions


Life on the island warrants expert knowledge on how to protect both your business and personal boating needs. Our waterfront experience and market knowledge enables us to provide specialized coverage and personalized service to our clients. Our expertise includes:

  • Boatyards
  • Boat Builders
  • Shipyards
  • Commercial Vessel Operators
  • Private Watercrafts, from a 25 foot boat to a 150 foot yacht

As a division of Starkweather & Shepley, we work closely with national programs such as the American Boat Builders Repairers Association (ABBRAGARD); the Community Boating & Sailing School Program; the C-PORT Insurance Program; and ABYC.

Medical/Dental Risk Solutions


When you run a hospital or healthcare facility, it’s difficult to think of something other than your patient’s health, even insurance. We make it easy for medical and dental professionals to focus on their patients by developing comprehensive, customizable solutions.

We understand the very specific risks of both industries, and have partnered with leaders in the field to provide insight and guidance to protect your assets and livelihood. Our expertise includes:

  • Medical Malpractice
  • Professional Liability
  • Employment Practices Liability
  • Cyber Liability
  • Personal Umbrella
  • HIPAA defense
  • Contractual Liability
  • Disability Income
  • Office Expense Disability Insurance

Municipal Risk Solutions


Municipalities are committed to serving their community and keeping it safe, but who is ensuring their safety? We understand the challenges faced by public entities, from government programs to educational institutions, and can tailor an insurance program to meet your unique needs, including:

  • Employment Practices Liability
  • Law Enforcement Liability
  • Workers Compensation
  • Crime Insurance
  • Data Breach Coverage
  • Injured on Duty Coverage for Police and Fire
  • Public Officials Liability

Real Estate Risk Solutions


The Real Estate Sales and Rental market on the island is very demanding. Happy house hunters and seasonal renter’s flood our Real Estate agencies with requests all year long. At Martha’s Vineyard Insurance, our employees understand the complex and fast paced nature of the Island Real Estate market

In addition to standard property and casualty coverages, our real estate experts also offer additional coverage to better protect your real estate business, including:

  • Errors & Omissions Liability Coverage
  • Computers & Media Coverage
  • Data Breach Insurance

Valuable Papers & Records Insurance

Real Property Risk Solutions


All facets of the real property industry need customized insurance and risk management solutions: owners, operators, managers, developers and contractors. The most essential coverage for this industry to have is a business owner’s policy (BOP), which includes general liability, commercial property coverage, and business income insurance.

Our real estate experts also offer additional coverage to better protect your real estate business, including:

  • Business Income for Off-Premises Utility Services (OPUS)
  • Computers & Media Coverage
  • Data Breach Insurance
  • Valuable Papers & Records Insurance

Tourism Risk Solutions


The island of Martha’s Vineyard is an international travel destination and our local economy depends on the visitors to our island. Our teams are focused on the tourism business and the unique challenges of operating on Martha’s Vineyard and can tailor an insurance program to meet your needs, including:

  • Transportation Business
  • Seasonal Business Exposures
  • Seasonal Increases
  • Off season coverage options