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41 Years
experience
Emergency
services
Your Trusted Insurance Partner in Boston, MA
Founded in 1985, Baltic Insurance Agency has built a reputation as a trusted, family-operated independent insurance agency serving Boston, South Shore, and surrounding Massachusetts communities. Our core philosophy centers on long-term customer relationships, achieved through honest advice, personalized service, and competitive pricing. As independent agents representing multiple insurers, we provide unbiased comparisons to help clients secure optimal coverage at the best value. Our experienced team, with an average tenure of over 10 years, specializes in auto, home, and condo insurance, while maintaining a commitment to local accessibility through offices in South Boston and Weymouth.

We prioritize rapid response times for policy changes, claims, and emergency reporting, ensuring clients receive timely support when needed most. Our 30+ years of market knowledge, combined with a focus on technological convenience through online quoting and document submission, positions us as a reliable partner for comprehensive insurance solutions.
Services
Car Insurance Home Insurance Condo Insurance Tax Preparation Claim Reporting
Details
  • Year established: 1985
Highlights and features
  • We offer over 30 years of local insurance expertise in Boston and surrounding areas
  • Our independent agency status provides access to multiple insurance carriers
  • Local offices in South Boston and Weymouth ensure personalized face-to-face service
  • We guarantee competitive pricing through direct comparison of multiple providers
  • Our experienced team maintains average tenure of over 10 years with the agency
What people say
Great service Saved money Personalized attention Prompt response Knowledgeable staff
Services
Car Insurance
We compare major insurance providers to find competitive car insurance rates while ensuring proper coverage. Our service includes policy analysis, coverage recommendations, and 24/7 claims assistance. Customers benefit from personalized advice about liability limits, collision coverage, and available discounts.
Home Insurance
Our home insurance specialists help protect your primary asset with customized coverage plans. We assess individual needs to determine appropriate dwelling coverage, personal property protection, and liability limits. Policyholders receive guidance about flood insurance, valuable item endorsements, and risk mitigation strategies.
Condo Insurance
We provide specialized condo insurance that complements master association policies. Our experts help determine appropriate loss assessment coverage, personal property protection, and liability limits. Clients receive tailored advice about bylaw coverage and additional improvements protection.
Tax Preparation
Our tax professionals prepare federal and state income tax returns for individuals and small businesses. Services include maximizing eligible deductions, credit optimization, and electronic filing. We offer year-round tax advice, document security procedures, and competitive pricing with a 10% lower fee guarantee compared to major chains.
Claim Reporting
We provide 24/7 claim reporting assistance through our website and dedicated phone lines. Our team guides policyholders through the claims process, coordinates with adjusters, and tracks claim status. Emergency services include immediate documentation review and expedited processing for urgent situations.
People
Tom O'Toole
President-Founder
With over 35 years in the insurance industry, Tom established Baltic Insurance Agency in 1985. He focuses on maintaining the agency's founding principles of personalized service and competitive pricing while overseeing strategic growth.
Erin Manning
Customer Service Representative
Erin has served clients for over 15 years, specializing in policy management and customer support. She provides personalized insurance guidance, handles policy changes, and ensures timely resolution of client inquiries.
Laura
Insurance Agent
Laura manages insurance portfolios for long-term clients, focusing on rate optimization and coverage adjustments. She maintains relationships with multiple carriers to secure competitive pricing for personal and commercial policies.
Questions
What insurance products do you offer?
We provide auto, home, condo, and renters insurance for individuals, along with commercial policies for businesses. Our tax preparation services include personal and small business income tax returns.
How are you different from big insurance companies?
As independent agents, we represent multiple carriers to find you the best rates. Our local offices provide personalized service with experienced staff who understand Massachusetts insurance requirements.
Do you offer 24/7 claim reporting?
Yes, we provide 24/7 claim reporting through our website and dedicated phone lines. Our team processes claims promptly and provides status updates throughout the resolution process.
What areas do you serve?
We primarily serve Boston, South Shore communities, and surrounding Massachusetts towns from our Weymouth and South Boston offices.
Do you offer tax preparation services?
Yes, we provide personal and small business tax preparation with competitive pricing. Our tax professionals have over 30 years of experience and offer a 10% lower fee guarantee compared to major chains.
Reviews (4)
Joseph Arceri
Mar 14, 2020 Report
This agency has wonderful agents that are caring and very knowledgeable. They do their best providing the information needed. Nice clean place. Very well organized.
Kathy Attardo
Oct 22, 2019 Report
I've been a customer of Baltic Insurance Agency for years now. Laura is always looking out for the best price for me!
Sean Guerin
Nov 25, 2016 Report
Daiva the owner was fantastic, in helping us after my crappy old van was side swiped by a moving truck, she did everything bar fix the thing herself, recommended this business to anyone
Elios E.
May 03, 2016 Report
Our agent Brian is very friendly and easy to contact, unlike some insurance companies we've had to deal with in the past. Brian gave us a very reasonable quote quickly for our business liability and we'd highly recommend Baltic Insurance to anyone.