The Gatto Agency
Personal & Commercial Insurance Portfolios
Complete Asset Protection Across Massachusetts
For 78 years and three generations, The Gatto Agency has helped families and business owners protect what they have worked hard to build. Rather than offering one-size-fits-all policies, we review your entire risk profile side-by-side—coordinating your primary home, secondary or coastal properties, vehicles, watercraft, and umbrella liability so you never have hidden coverage gaps.
Homeowners, High-Value & Coastal Property Insurance
Your home is one of your most significant lifetime investments. As a premier partner with Arbella Insurance—alongside specialized property access through Lloyd’s of London, the Massachusetts FAIR Plan, and the Big “I” / Number One Agency network—we custom-build coverage for primary residences, historic and custom estates, condos (HO-6), rental properties, and Cape or coastal vacation homes.
We pay close attention to true replacement cost, water backup and service line protection, scheduled personal property (fine art, jewelry, silverware, and collections), and maximizing your multi-policy discounts when bundled with your auto and umbrella coverage. Request a complimentary home & portfolio review today.
Personal Umbrella Insurance ($1M to $5M+ Excess Liability)
Next to homeowners and auto policies, Personal Umbrella policies are a cornerstone of the accounts we write. In today’s litigious environment, a single serious auto accident or an injury on your property can quickly exceed the standard $300,000 or $500,000 liability limit on a primary policy—putting your savings, home equity, and future income at risk.
We design $1 million to $5 million+ Personal Umbrella policies through Arbella as well as standalone umbrella leaders like RLI. Even better, we coordinate your underlying home, secondary property, teen driver, and watercraft liability limits so there is never an uninsured gap between your primary policies and your umbrella. Ask us to review your umbrella protection.
Massachusetts Auto, Multi-Vehicle & Collector Car Insurance
Skip the automated 1-800 call centers and work with a local Needham advisor who knows the ins and outs of Massachusetts auto insurance and the RMV. Through our flagship partnership with Arbella Insurance, we help multi-vehicle households secure preferred rates, vanishing deductibles, accident forgiveness, and substantial Home & Auto bundle discounts.
Classic, Antique & Collector Vehicles: Standard auto policies depreciate your vehicle, which doesn’t work for prized classics or weekend exotics. We partner directly with Hagerty and Grundy to provide true Agreed Value coverage, flexible usage tiers, and spare parts protection tailored to collectors. Request an auto or collector car quote.
Boat, Yacht, Flood & Pet Insurance
When your lifestyle extends beyond your driveway, we keep every piece under one roof:
- Boat, Yacht & Watercraft Insurance: Specialized marine coverage through SkiSafe, United Marine Underwriters, and Arbella covering hull value, marine liability, on-water towing, and New England winter lay-up.
- Flood Insurance: Both NFIP and private flood insurance options to protect basements, foundations, and commercial buildings from rising water not covered by standard homeowners policies.
- Pet Insurance: Flexible health and accident plans through Prudent Pet so unexpected veterinary surgeries or illnesses never catch your family off guard.
Commercial Insurance & Business Owners Policies (BOP)
From one family-owned business to another, we protect Massachusetts business owners, professional offices, contractors, retail shops, condo associations, and investment property landlords. Partnering with Arbella, Philadelphia Insurance Companies (PHLY), Stafford, and specialty commercial markets through the Number One Agency, we write:
- Business Owners Policies (BOP): Bundling commercial property, equipment, business income, and general liability in one cost-effective package.
- Commercial Real Estate & Condo Master Policies: Lessors risk, multi-family habitational coverage, and HOA/Condo association master policies.
- Workers’ Compensation & Commercial Auto: Keeping your employees protected and your business compliant with Massachusetts state law.
Click here to request a commercial or personal lines quote, or call our Needham office directly at 781-444-0503.