We encourage you to demand more from your agent! Our method of protecting you and the financial health of your family or business does not begin and end with the purchase of insurance. We refuse to use the old models and outdated techniques that are designed to "generalize" a family or business, feed you standard insurance, and then vanish until renewal time. We know that you deserve more and we are prepared to give it - up front and without reservation. Our 42 point checklist and need assessment identifies risks/hazards, potential missed coverage and ALL discounts available to you to ensure your insurance quotes are the lowest available, especially since auto insurance coverage and rates have drastically changed in New England (Massachusetts, New Hampshire and Maine)!
Sullivan Insurance & Financial is NOT your standard agency! Our State of the Art computer systems and our unconventional, customer-driven, steadfast commitment to offering every customer with service that goes far beyond selling insurance - we help our clients under stand the "big picture", including where some non-insurance related products can be applied and are just as important to balancing your family or business's protection.
The agency is a proud member of Insurance Services of New England (ISNE), a network of independent agencies throughout New England organized to maximize access to markets (with access to OVER 45 Insurance Carriers!), industry knowledge and leverage our Strength in Numbers with inherent market stability for the benefit our customers, all while seeking products that are both competitive and comprehensive within the market place.
Served areas
- Haverhill, Bradford, Groveland, Georgetown, North Andover, Andover, West Newbury, Byfield, Boxford, Merrimack, Methuen, Lawrence, Amesbury, Rowely, Newburyport, Salisbury, Newbury, Plaistow, Atkinson, Salem, Hampstead, Newton, Kingston
Highlights and features
- AAA Auto Insurance
- Auto and Home Insurance
- Contractor Specialty Coverage
- Restauarant Specialty Programs
- Church & Religious Specialty Programs
Associations and certifications
- ISNE, MAIA, CIC
Services
Take advantage of your AAA membership with Commerce Insurance. Eligible AAA members purchasing Commerce Insurance policies can save up to 10%* on auto insurance
and get ENHANCES coverage. New policyholders who shop early also may qualify for an additional discount. ** You can save even more by insuring both your auto and home with Commerce Insurance * through Sullivan Insurance & Financial.
Enhanced Coverages and Limits - Eligible Massachusetts AAA members purchasing Commerce
Insurance auto policies may qualify for the following enhanced coverage.
- Replacement cost coverage on new vehicles.
- Cell phone replacement coverage up to $200.
- Laptop computer replacement coverage up to $1, 000.
- Substitute transportation limit purchased is increased by an additional $30 per day up to
a maximum of $900.
- Up to $250 per day loss of earning payment due to hearing/trial attendance at our request.
- Personal belongings replacement up to $250.
- For repairs, the glass deductible will be waived, if glass coverage is provided.
- Pet injury coverage up to $500 for your veterinary fees or $500 for your pet’s burial fees (cats and dogs only) .
- Bail bonds payment increased to $500.
- Seat belt death benefit of $5, 000.
- Seat belt and air bag death benefit of $10, 000.
- Waiver of collision deductible if other vehicle is responsible and insured by Commerce Insurance Company.
* Policies issued on or after April 1, 2009 are eligible for Loyalty Plus pricing.
** 6% Shop Smart Discount for new policies purchased seven (7) days prior to policy effective date.
* Account credit available when you insure both your auto and home/apt/condo with Commerce.
* Coverage and rates are subject to policy terms, conditions and limits. Exclusions may apply.
and get ENHANCES coverage. New policyholders who shop early also may qualify for an additional discount. ** You can save even more by insuring both your auto and home with Commerce Insurance * through Sullivan Insurance & Financial.
Enhanced Coverages and Limits - Eligible Massachusetts AAA members purchasing Commerce
Insurance auto policies may qualify for the following enhanced coverage.
- Replacement cost coverage on new vehicles.
- Cell phone replacement coverage up to $200.
- Laptop computer replacement coverage up to $1, 000.
- Substitute transportation limit purchased is increased by an additional $30 per day up to
a maximum of $900.
- Up to $250 per day loss of earning payment due to hearing/trial attendance at our request.
- Personal belongings replacement up to $250.
- For repairs, the glass deductible will be waived, if glass coverage is provided.
- Pet injury coverage up to $500 for your veterinary fees or $500 for your pet’s burial fees (cats and dogs only) .
- Bail bonds payment increased to $500.
- Seat belt death benefit of $5, 000.
- Seat belt and air bag death benefit of $10, 000.
- Waiver of collision deductible if other vehicle is responsible and insured by Commerce Insurance Company.
* Policies issued on or after April 1, 2009 are eligible for Loyalty Plus pricing.
** 6% Shop Smart Discount for new policies purchased seven (7) days prior to policy effective date.
* Account credit available when you insure both your auto and home/apt/condo with Commerce.
* Coverage and rates are subject to policy terms, conditions and limits. Exclusions may apply.
Just like business insurance protects your company, personal coverage protects your personal property. The right personal insurance for your vehicle, owned or rented home, and personal belongings can cover damages and theft to help you recover from the unexpected. You have a lot to protect - your home, your valuables, your family's financial security and, most of all, you and your family. We can help you understand your risks and provide you with personal insurance solutions to cover you no matter what life has in store.
In the face of today's jumbo lawsuits, the liability coverage you now have on your home and auto may not be adequate. There is a third layer of protection available. To protect yourself and your family, we strongly recommend a Personal Umbrella Liability Policy. A Personal Umbrella Liability Policy provides an additional layer of protection over and above the limits on your auto and home to protect you against a catastrophic lawsuit or judgements.In most cases, a 1 million umbrella will cost less than $200.00 a year.
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation. If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
People
Kevin P. Sullivan
President/Owner
Kevin Sullivan is the agency owner and president. He joined the agency after returning from serving almost ten years as a United States Army Officer. Kevin and his staff have worked tirelessly to update the agency over the past several years. Kevin holds insurance licenses in Massachusetts, New Hampshire and Maine, along with several insurance specialty designations. Kevin has now taken the agency to the next level by updating all the vital computer systems - new management and rating systems, completely renovated office, implementing imaging for faster service, establishing a financial planning department, and increased the agencies' comparative rating capability so our clients can see not only what they are paying, but also what a competitor’s coverage and cost would be.
Kevin graduated magna cum laude from Norwich University (Military College of Vermont) in 1992 with degrees in Biology and Chemistry. Kevin served as a Regular Army Office from 1992 through 2000 when he was medically retired because of injuries suffered while on active duty. Kevin has extensively traveled throughout the world while on active duty, serving two years in South Korea, and traveling to Israel, Egypt, England, France, Germany, Bosnia, Italy and the west coast of Africa.
Kevin resides in Haverhill with his wife Stacey, son Liam, and their two dogs Cocoa & Abby.
Kevin graduated magna cum laude from Norwich University (Military College of Vermont) in 1992 with degrees in Biology and Chemistry. Kevin served as a Regular Army Office from 1992 through 2000 when he was medically retired because of injuries suffered while on active duty. Kevin has extensively traveled throughout the world while on active duty, serving two years in South Korea, and traveling to Israel, Egypt, England, France, Germany, Bosnia, Italy and the west coast of Africa.
Kevin resides in Haverhill with his wife Stacey, son Liam, and their two dogs Cocoa & Abby.
Photos
Reviews (14)
Hefeeddy
Aug 08, 2021
Katie Gregoire
Jun 05, 2021
Diane
Jun 18, 2009
Awsome! I have never had such a thorough review! They reveiwed my policy quickly and easily - they did everything for me! I ended up saving money even though they increased my coverage! At least I can sleep at night knowing I had a detailed review and know what coverage I have - and that I can call the agency day or night with questions. I would recommend this agency to anyone - their simple review saved me money that I didn't even know was possible!
Harold
Jun 18, 2009
Great agency & I found out more about my coverage than was ever explained to me before. During the quote process, I found out that my old insurance didn't have the coverage I needed, and I also found out that my term life insurance I had just purchased with another company was not convertable. Sullivan Insurance helped my select the coverage I need to protect my familiy and also helped me transfer my life insurance into a term policy that I could later convert into "perminent coverage" if needed.
With 2 kids I don't have time to deal with several different agents or companies - I got all I needed at sullivan insurance and even saved money over my last coverage. I strongly recommend if you are looking for an agent who listens to you and is available when you need them - this agency is for you!
With 2 kids I don't have time to deal with several different agents or companies - I got all I needed at sullivan insurance and even saved money over my last coverage. I strongly recommend if you are looking for an agent who listens to you and is available when you need them - this agency is for you!
Fred
Jun 18, 2009
I have been purchasing insurance all my life, but never have I had such a detailed review to discover coverage and discounts that I may not have known about or may not have coverage for - and the agent didn't tell me what coverage I needed to have, I selected my coverage based on the detail review and issues I am trying to protect against. The agent even met with me on Saturday outside of their normal business hours!
Not many agents do that today. They even reviewed some important non insurance issues that I had forgotten to take care of, like updating my will and adding a healthcare proxy. The last issue we reviewed was my financial investments and changes that I need to make since I am getting older and need to better protect myself against changes in the market.
In one trip I received the best insurance review I have ever had, updated my financial investment portfolio and even set up life insurance for my grandson. What more can anyone ask from their insurance agent - one stop shopping for everything and a detailed review that showed how all my coverage interacts with each other. What a great experience. I have found the agent I have needed all my life!
Not many agents do that today. They even reviewed some important non insurance issues that I had forgotten to take care of, like updating my will and adding a healthcare proxy. The last issue we reviewed was my financial investments and changes that I need to make since I am getting older and need to better protect myself against changes in the market.
In one trip I received the best insurance review I have ever had, updated my financial investment portfolio and even set up life insurance for my grandson. What more can anyone ask from their insurance agent - one stop shopping for everything and a detailed review that showed how all my coverage interacts with each other. What a great experience. I have found the agent I have needed all my life!
Stacey
Jun 18, 2009
I would recommend ANY business or family to have a detailed review with Sullivan Insurance - they saved my business THOUSANDS of dollars in annual premiums, explained my coverage in a way that I could understand, identified risks that I never knew existed, and found a way to insure my personal assets in a way to provide 5 times the coverage at over $400 LOWER than my old coverage.
I was previously insured through a "5 Star Agency" in another city, but after a simple review of my policies, I had anything but 5 star coverage! Sullivan Insurance and Financial pointed out that my workers comprehensive coverage was at the state minimum level and it only cost me $38.00 per year to get $1 million dollars of coverage. I couldn't believe that my 5 star agent never pointed this out.
I had always been against life insurance, I never saw the real need, but ever since my review I am now fully protected and able to save a lot of money in a taxed deferred way that will allow my money to grow much quicker. The review also pointed out that I was missing a huge investment opportunity, for both myself and my employees - making it a way to attrack and retain employees and professionals.
In the end, I ended up with many times more coverage at LESS MONEY than I was paying with my so called 5 star agency. I don't know what my business would have done if I had had a loss or claim without the more advanced coverage that I have know. The best thing I can say about Sullivan Insurance and Financial is that I sleep very soundly now knowing that my business, family, hard earned assets, and my financial investments have not taken the hit that most have during these economically turbulant times. It does't cost anything to get a second opinion! I am glad I did!
I was previously insured through a "5 Star Agency" in another city, but after a simple review of my policies, I had anything but 5 star coverage! Sullivan Insurance and Financial pointed out that my workers comprehensive coverage was at the state minimum level and it only cost me $38.00 per year to get $1 million dollars of coverage. I couldn't believe that my 5 star agent never pointed this out.
I had always been against life insurance, I never saw the real need, but ever since my review I am now fully protected and able to save a lot of money in a taxed deferred way that will allow my money to grow much quicker. The review also pointed out that I was missing a huge investment opportunity, for both myself and my employees - making it a way to attrack and retain employees and professionals.
In the end, I ended up with many times more coverage at LESS MONEY than I was paying with my so called 5 star agency. I don't know what my business would have done if I had had a loss or claim without the more advanced coverage that I have know. The best thing I can say about Sullivan Insurance and Financial is that I sleep very soundly now knowing that my business, family, hard earned assets, and my financial investments have not taken the hit that most have during these economically turbulant times. It does't cost anything to get a second opinion! I am glad I did!
Kathryn
Jun 18, 2009
Was amazed at the difference in cost, even though they more than doubled my protection! I found agency online while searching for a more local agent since I moved and I was impressed by their site. The agent (Kevin) quoted me initially via e-mail (as I didn't want to speak to another insurance person). He answered all my questions via e-mail, so I called the agency to go over my coverage.
What a great experience - he went over everything in the detail and told me by putting my auto & home with the same company I could save additional money. He walked me through a 20 point checklist that helped identify coverage and discounts I was missing, and even advised me on some non-insurance ways to help protect myself and our house. I saved over $300 & was even able to add umbrella to add over $1000000 to my protection, all for less than I was paying before.
My experience with this agency has proven to me that not all agents are created equal. Kevin and his staff also gave us a free review on our life insurance since it has been a while since we had review and recommended we have a financial review as well. He didn't "sell" us anything, instead he just pointed out what we may want to consider - no pressure and no hassles.
I highly highly recomend sullivan insurance & financial and I have already set up my next appointment to go over my life insurance and go over my 401K with their financial planner. I am going to have Kevin write my whole family.
What a great experience - he went over everything in the detail and told me by putting my auto & home with the same company I could save additional money. He walked me through a 20 point checklist that helped identify coverage and discounts I was missing, and even advised me on some non-insurance ways to help protect myself and our house. I saved over $300 & was even able to add umbrella to add over $1000000 to my protection, all for less than I was paying before.
My experience with this agency has proven to me that not all agents are created equal. Kevin and his staff also gave us a free review on our life insurance since it has been a while since we had review and recommended we have a financial review as well. He didn't "sell" us anything, instead he just pointed out what we may want to consider - no pressure and no hassles.
I highly highly recomend sullivan insurance & financial and I have already set up my next appointment to go over my life insurance and go over my 401K with their financial planner. I am going to have Kevin write my whole family.
Stephen
Jun 18, 2009
I just had to write this review as I have never been treated so well than I have with this agency. I commend your staff (Diane, Mary, Kate, Irene and Patrick!) - From day one when my oldest son had a problem and needed special coverage - your staff did everything my current agent wouldn't! I have NEVER felt so at ease when she told me that your agency could work with my son and I.
Your agency has always gone above and beyond - we were treated in a fair, comforting way, and I always get a warm feeling knowing that everything would be taken care of for me and my family if we were in an accident or had a problem. We moved all of our insurance to your agency from a company in Andover that did nothing for us. Matter of fact, they turned their backs on us when I requested special coverage from them.
Truth have it, my ex insurance agent from that company has been my next door neighbor for over 25 years! What I received from your agency was a total 180 degrees different from what I received from my old agency So again I appreciate, and commend Sullivan Insurance & Financial for the service that you provide. You have a class operation and the staff shows that everytime I walk into your office or call. It is not often these days that you can find real personal service - but your staff does personal.
Your agency has always gone above and beyond - we were treated in a fair, comforting way, and I always get a warm feeling knowing that everything would be taken care of for me and my family if we were in an accident or had a problem. We moved all of our insurance to your agency from a company in Andover that did nothing for us. Matter of fact, they turned their backs on us when I requested special coverage from them.
Truth have it, my ex insurance agent from that company has been my next door neighbor for over 25 years! What I received from your agency was a total 180 degrees different from what I received from my old agency So again I appreciate, and commend Sullivan Insurance & Financial for the service that you provide. You have a class operation and the staff shows that everytime I walk into your office or call. It is not often these days that you can find real personal service - but your staff does personal.
Diane
Incredible - never knew what I was missing! Awsome! I have never had such a thorough review! They reveiwed my policy quickly and easily - they did everything for me! I ended up saving money even though they increased my coverage! At least I can sleep at night knowing I have had a review and know what coverage I have - and that I can call the agency day or night with questions. I would recommend this agency to anyone - a simple review saved me money that I didn't even know what available!
Harold
Great Experience and best review! Great agency & I found out more about my coverage than was ever explained to me before. During the quote process, I found out that my old insurance didn't have the coverage I needed, and I also found out that my term life insurance I had just purchased with another company was not convertable. Sullivan Insurance helped my select the coverage I need to protect my familiy and also helped me transfer my life insurance into a term policy that I could later convert into "perminent coverage" if needed.
With 2 kids I don't have time to deal with several different agents or companies - I got all I needed at sullivan insurance and even saved money over my last coverage. I strongly recommend if you are looking for an agent who listens to you and is available when you need them - this agency is for you!
With 2 kids I don't have time to deal with several different agents or companies - I got all I needed at sullivan insurance and even saved money over my last coverage. I strongly recommend if you are looking for an agent who listens to you and is available when you need them - this agency is for you!
Fred
OUTSTANDING agency, simply outstanding! I have been purchasing insurance all my life, but never have I had such a detailed review to discover coverage and discounts that I may not have known about or may not have coverage for - and the agent didn't tell me what coverage I needed to have, I selected my coverage based on the detail review and issues I am trying to protect against.
The agent even met with me on Saturday outside of their normal business hours! Not many agents do that today. They even reviewed some important non insurance issues that I had forgotten to take care of, like updating my will and adding a healthcare proxy. The last issue we reviewed was my financial investments and changes that I need to make since I am getting older and need to better protect myself against changes in the market.
In one trip I received the best insurance review I have ever had, updated my financial investment portfolio and even set up life insurance for my grandson. What more can anyone ask from their insurance agent - one stop shopping for everything and a detailed review that showed how all my coverage interacts with each other. What a great experience. I have found the agent I have needed all my life!
The agent even met with me on Saturday outside of their normal business hours! Not many agents do that today. They even reviewed some important non insurance issues that I had forgotten to take care of, like updating my will and adding a healthcare proxy. The last issue we reviewed was my financial investments and changes that I need to make since I am getting older and need to better protect myself against changes in the market.
In one trip I received the best insurance review I have ever had, updated my financial investment portfolio and even set up life insurance for my grandson. What more can anyone ask from their insurance agent - one stop shopping for everything and a detailed review that showed how all my coverage interacts with each other. What a great experience. I have found the agent I have needed all my life!
Stacey D.
What they did for my business was simply amazing! I would recommend ANY business or family to have a detailed review with Sullivan Insurance.....they saved my business THOUSANDS of dollars in annual premiums, explained my coverage in a way that I could understand, identified risks that I never knew existed, and found a way to insure my personal assets in a way to provide 5 times the coverage at over $400 LOWER than my old coverage.
I was previously insured through a "5 Star Agency" in another city, but after a simple review of my policies, I had anything but 5 star coverage! Sullivan Insurance and Financial pointed out that my workers comprehensive coverage was at the state minimum level and it only cost me $38.00 per year to get $1 million dollars of coverage. I couldn't believe that my 5 star agent never pointed this out.
I had always been against life insurance, I never saw the real need, but ever since my review I am now fully protected and able to save a lot of money in a taxed deferred way that will allow my money to grow much quicker. The review also pointed out that I was missing a huge investment opportunity, for both myself and my employees - making it a way to attrack and retain employees and professionals.
In the end, I ended up with many times more coverage at LESS MONEY than I was paying with my so called 5 star agency. I don't know what my business would have done if I had had a loss or claim without the more advanced coverage that I have know. The best thing I can say about Sullivan Insurance and Financial is that I sleep very soundly now knowing that my business, family, hard earned assets, and my financial investments have not taken the hit that most have during these economically turbulant times. It does't cost anything to get a second opinion! I would recommend any business owner check out www.sullivanIF.com and have a detailed review!
I was previously insured through a "5 Star Agency" in another city, but after a simple review of my policies, I had anything but 5 star coverage! Sullivan Insurance and Financial pointed out that my workers comprehensive coverage was at the state minimum level and it only cost me $38.00 per year to get $1 million dollars of coverage. I couldn't believe that my 5 star agent never pointed this out.
I had always been against life insurance, I never saw the real need, but ever since my review I am now fully protected and able to save a lot of money in a taxed deferred way that will allow my money to grow much quicker. The review also pointed out that I was missing a huge investment opportunity, for both myself and my employees - making it a way to attrack and retain employees and professionals.
In the end, I ended up with many times more coverage at LESS MONEY than I was paying with my so called 5 star agency. I don't know what my business would have done if I had had a loss or claim without the more advanced coverage that I have know. The best thing I can say about Sullivan Insurance and Financial is that I sleep very soundly now knowing that my business, family, hard earned assets, and my financial investments have not taken the hit that most have during these economically turbulant times. It does't cost anything to get a second opinion! I would recommend any business owner check out www.sullivanIF.com and have a detailed review!
Kathryn
I received BETTER coverage & SAVED over $300! I was amazed at the difference in cost, even though they more than doubled my protection! I found agency online while searching for a more local agent since I moved and I was impressed by their site. The agent (Kevin) quoted me initially via e-mail (as I didn't want to speak to another insurance person).
He answered all my questions via e-mail, so I called the agency to go over my coverage. What a great experience - he went over everything in the detail and told me by putting my auto & home with the same company I could save additional money. He walked me through a 20 point checklist that helped identify coverage and discounts I was missing, and even advised me on some non-insurance ways to help protect myself and our house.
I saved over $300 & was even able to add umbrella to add over $1000000 to my protection, all for less than I was paying before. My experience with this agency has proven to me that not all agents are created equal. Kevin and his staff also gave us a free review on our life insurance since it has been a while since we had review and recommended we have a financial review as well.
He didn't "sell" us anything, instead he just pointed out what we may want to consider - no pressure and no hassles. I highly highly recomend sullivan insurance & financial and I have already set up my next appointment to go over my life insurance and go over my 401K with their financial planner. I am going to have Kevin write my whole family.
He answered all my questions via e-mail, so I called the agency to go over my coverage. What a great experience - he went over everything in the detail and told me by putting my auto & home with the same company I could save additional money. He walked me through a 20 point checklist that helped identify coverage and discounts I was missing, and even advised me on some non-insurance ways to help protect myself and our house.
I saved over $300 & was even able to add umbrella to add over $1000000 to my protection, all for less than I was paying before. My experience with this agency has proven to me that not all agents are created equal. Kevin and his staff also gave us a free review on our life insurance since it has been a while since we had review and recommended we have a financial review as well.
He didn't "sell" us anything, instead he just pointed out what we may want to consider - no pressure and no hassles. I highly highly recomend sullivan insurance & financial and I have already set up my next appointment to go over my life insurance and go over my 401K with their financial planner. I am going to have Kevin write my whole family.
Stephen M.
I felt have never been treated so well! I just had to write this review as I have never been treated so well than I have with this agency. I commend your staff (Diane, Mary, Kate, Irene and Patrick! From day one when my oldest son had a problem and needed special coverage (sr22) - your staff did everything my current agent wouldn't! I have NEVER felt so at ease when she told me that your agency could work with my son and I.
Your agency has always gone above and beyond - we were treated in a fair, comforting way, and I always get a warm feeling knowing that everything would be taken care of for me and my family if we were in an accident or had a problem. We moved all of our insurance to your agency from a company in Andover that did nothing for us. Matter of fact, they turned their backs on us when I requested an SR 22 for my son.
Truth have it, my ex insurance agent from that company has been my next door neighbor for over 25 years! What I received from your agency was a total 180 degrees different from what I received from my old agency So again I appreciate, and commend Sullivan Insurance & Financial for the service that you provide. You have a class operation and the staff shows that everytime I walk into your office or call.
It is not often these days that you can find real personal service - but your staff does personal service as second nature. GREAT JOB!! I would recommend this agency to ANYONE!
Your agency has always gone above and beyond - we were treated in a fair, comforting way, and I always get a warm feeling knowing that everything would be taken care of for me and my family if we were in an accident or had a problem. We moved all of our insurance to your agency from a company in Andover that did nothing for us. Matter of fact, they turned their backs on us when I requested an SR 22 for my son.
Truth have it, my ex insurance agent from that company has been my next door neighbor for over 25 years! What I received from your agency was a total 180 degrees different from what I received from my old agency So again I appreciate, and commend Sullivan Insurance & Financial for the service that you provide. You have a class operation and the staff shows that everytime I walk into your office or call.
It is not often these days that you can find real personal service - but your staff does personal service as second nature. GREAT JOB!! I would recommend this agency to ANYONE!