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BOJE GROUP OF COMPANIES SERVING MASSACHUSETTS SINCE 1988 Insurance / Income Tax Preparation / Real Estate Welcome to Boje Group! This unique company founded by Ayodele Oluboje, in 1988, was built on the principles of providing the ever-needed community based services to the inner city. Our primary mission is to bring peace of mind to our clients by offering innovating, value-added products and services, under one umbrella. We invite you to learn more about Boje Group, because we are confident that the more you know about us, the more you will see how we can be a part of your future. We offer a full range of Personal, Commercial, Home, Automobile and Business Insurance at highly competitive rates. With the New Massachusetts Insurance Reform, our clients have access to over twenty automobile Insurance Carriers and your personal information is highly protected and secured. We prepare Personal and Business Income Tax Returns, and Professional Electronic Transmissions of Prepared Returns to the Internal Revenue Service Center. We Buy and Sell Real Estate and our Real Estate professionals will guild you in buying that first time dream home or sell your existing home or commercial property. Our office is conveniently located to serve multiple inner city communities and the surrounding suburban communities with a lot of parking spaces. Personal Insurance Personal Auto Homeowners Condominium Owners Personal Items Motorcycles Motorhomes Mobile Homes Dwelling Fire Flood Antique Cars Business/Commercial Insurance Commercial Auto Commercial Liability Commercial Property Contractors Retail Professional Liability Restaurants Garage & Repair Business Owners Policy Dump Trucks Life Insurance Term Life Insurance Whole Life Universal Life Annuities Financial Planning Retirement Plans Traditional IRA Roth IRA Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Insurance Replacement Cost Analysis of Your Home Registry Service Notary Public Tax Preparation Real Estate Services Complimentary Financial Review Complimentary Review of Your Liability Insurance vs. Assets Complimentary Life Insurance Needs Analysis Ayodele Oluboji  Ayodele OlubojePresident & CEO Ayodele Oluboje, aka, Dele Boje, has a distinguished career including more than 26 years' experience in the insurance industry, Dele manages the agency with a team of highly competent associates and professionals. Mr. Boje holds a B.Sc, degree in Management and a Masters Degree in Business Administration, and has taken numerous courses in Financial Planning and an Active Tax Practitioner. Mr. Boje became a Unit Manager after several years as a Supervisor for Bankers Life and Casualty Insurance Company, where he started his insurance career as a licensed agent in 1984. As an Agent for Bankers Life, Mr. Boje excelled in Insurance Sales and won numerous awards for Goals Attainments. Mr. Boje moved on to become an Executive Sales Director for Wisconsin National Life Insurance Company, where he was recognized for Special Commitment to Professional Development and Agency Building. He is a Life Insurance Underwriters Training Council Fellow, and completed a high ranking course in Agency Management and Business Insurance Institute. Mr. Boje was listed as an Honorable Professional in the National Directory for America's Professionals & Executives, 1996-1997 Edition and also listed in The Heritage Registry of WHO'S WHO, 2007-2008 Edition, and in the 2009-2010 Edition. Mr. Boje was induced into the Order of Insurance & Financial Services Merit for Outstanding Accomplishment & Professional Excellence as recognized by the American Biographical Institute in 2010. Amica As the oldest mutual insurer of automobiles in the nation, Amica has been protecting drivers for nearly 100 years. We're very proud of our history, our employees, and our unprecedented customer service record—these are some of the things that make Amica so special.
Arbella Arbella was founded in 1988 as a Massachusetts-only auto and homeowners insurance company. Consistently adding to product lines and expanding into Rhode Island and Connecticut, Arbella has become a group of companies committed to delivering highest quality insurance products and services.
Commerce The Commerce Insurance Company provides personal and commercial property and casualty insurance in Massachusetts and New Hampshire. Our core product lines include personal automobile, homeowners, and commercial automobile insurance. In Massachusetts, Commerce Insurance is the leading provider of both private passenger and homeowners insurance and is the second leading provider of commercial automobile insurance. Commerce markets our products exclusively through professional independent agents who are conveniently located throughout Massachusetts and New Hampshire.
Encompass Encompass Insurance is: More than 1.2 million customers in 42 states. Available through more than 2,800 independent insurance agents. More than 2,300 employees. More than $1.7 billion in personal insurance written premium. One of the largest personal insurance brands in America. Encompass underwriting companies are rated A (Excellent) or A+ (Superior) for insurance financial strength by the A.M. Best Company as of December 10, 2004.
Firemans Fund Fireman's Fund Insurance Company began in 1863, in San Francisco, and our name reflects our colorful beginnings. We were named for an arrangement in which we paid 10 percent of our profits to widows and orphans of firefighters - a social mission that we continue today, through our Fireman's Fund Heritage® program, provides millions of dollars in grants for equipment, training and educational programs to fire departments across the country. Our history illustrates our company values--innovative, dependable, and courageous.
Hanover The Hanover Insurance Group, Inc. (NYSE: THG) operates as The Hanover Insurance Company, except in Michigan where we do business as Citizens Insurance Company of America. The Hanover, based in Worcester, Massachusetts is a leading regional provider of Property and Casualty insurance products for individuals, their families and businesses. The Hanover offers a wide range of Property and Casualty services through our extensive network of Independent Agents. Taken as a group, The Hanover ranks among the top 35 of over 900 Property and Casualty insurers in the United States.
Liberty Mutual Liberty Mutual Group (LMG)Boston-based Liberty Mutual Group (LMG) is a leading global insurer and sixth largest property and casualty insurer in the U.S. whose largest line of business is private passenger automobile based on 2004 direct written premium.
MetLife Auto & Home For 137 years, MetLife has been insuring the lives of the people who depend on us. Our success is based on our long history of social responsibility, strong leadership, sound investments, and innovative products and services.
MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance.
National Grange National Grange is part of the Main Street America Group. The Main Street America Group offers insurance exclusively through independent agents. Since 1923, we have partnered with independent agents to offer consumers a variety of important insurance coverages. Our continued commitment to consumers and independent agents has contributed to our growth and success. We offer our products in 16 states along the Eastern Seaboard from Maine to Florida.
Norfolk & Dedham The Norfolk & Dedham Group® consists of three mutual insurance companies founded in New England as early as 1825. The Group includes Norfolk & Dedham, Dorchester and Fitchburg.
Pilgrim Founded in 1987, Pilgrim is a licensed insurer based in Massachusetts. Pilgrim was the first company in Massachusetts to provide third-party management and operational services to both property and casualty insurers and financial institutions.
Plymouth Rock Plymouth Rock Assurance Corporation remains the flagship of the Plymouth Rock Group of Companies with more than 125,000 individual policyholders and personal auto insurance premium exceeding $260 million in 2003. Plymouth Rock maintains a rating of “A-/Excellent” from A.M. Best, the insurance industry’s premier independent rating service. Plymouth Rock offers discounts if you are a member of WBUR, SBLI (Savings Bank Life Insurance) or Motor Club (AAA, etc.).
Quincy The Quincy Mutual Fire Insurance Company has proudly provided consumers with insurance protection for more than 150 years. Quincy Mutual is Rated A+ (superior) by A.M. Best, the leader in insurance company evaluations. We are proud to have earned that designation for more than 50 consecutive years.
Safety Safety Insurance was founded in 1979. Today, Safety is the second largest private passenger automobile carrier and the fourth largest commercial automobile carrier in Massachusetts. Safety has consistently received an "A" rating from A.M. Best.
Tower Group For nearly two decades, Tower Group Companies has been consistently meeting the insurance needs of individuals and businesses. Recently, we were recognized as “Company of the Year” by our producers for our commitment and service.
Travelers Travelers offers a broad array of property and casualty insurance solutions from small "main street" businesses to Fortune 100 corporations.
Massachusetts Registry of Motor Vehicles Massachusetts Motor Vehicle Sales/Use Tax Forms Automobile Insurers Bureau of Massachusetts Checkpoint Insurance Inspections Edmunds Car Buying Guide Kelly Blue Book Car Values Massachusetts Division of Insurance Massachusetts Division of Industrial Accidents (Workers Compensation) Insurance Information Institute (III) National Flood Insurance Program Gap Insurance Personal Umbrella Term Life Identity Theft Flood Personal Inventory Accident Forgiveness Good Student Student Away at School Gap Insurance
If you have recently purchased or are planning to purchase a new or used vehicle you may want to consider purchasing Gap Insurance. What is Gap Insurance?When you drive your new or used car off the dealer�s lot your car has most likely lost 20% of its value and you need Gap Insurance. If you put less than a 20% down payment on your car you need Gap Insurance. How does Gap Insurance Work?If your car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot different from what you still owe on your loan. Without Gap Insurance your lender will hold you responsible for paying the difference between the actual cash value and the amount left on the loan. Dealers charge between $500 and $600 for this coverage. We can offer it to you for $299 for the life of your loan up to 84 months. Leased vehicles are not eligible. Not everyone needs Gap Insurance but if you think you should have it and would like more information on how it works, please give us a call and we will be happy to discuss it with you. Why do I need a Personal Umbrella policy?
Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy. A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have. Consider the following example: One evening a 17-year old took his parent's car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million. With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected. In today's society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune - but it probably would not give you the needed protection against a catastrophic loss. What is Term Life?
A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term. Who needs Term Life?If something should happen to you, a Term Life policy could cover your mortgage or a child�s education and leave your family with financial security. How much does a Term Life policy cost?The cost of a Term Life policy will be determined by your age although it is very reasonable at any age. Identity Theft
Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner's policy to protect yourself from the high cost of restoring your name and credit. Each year millions of Americans fall victim to Identity Theft and may spend months - even years - and their hard-earned money restoring their good names and credit records. Your doors and windows may be carefully locked, but identity thieves know no bounds. For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission's Web site by clicking on: http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html What is a flood?
Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:
Residential Building Coverage Building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators. Residential Contents Coverage Contents coverage insures most of your personal property and belongings, including:
Coverage in Basements Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as:
However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents. FactsEveryone lives in a flood zone - floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.
Home and Personal Property Inventory
By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry. You may be surprised by the value of your accumulated possessions. In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents. After you have your inventory complete, be sure to keep it in a safe place away from your home such as a relatives home or you can even bring copies of the inventory and pictures/video to our office for safe keeping in your file Credit Card InventoryIn the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens. With Accident Forgiveness, a surcharge resulting from an at-fault accident, and the corresponding loss of the driver's Excellent Driver Plus (SDIP Points 99) discount, will not be applied, saving a customer hundreds of dollars a year. This option automatically applies to the first surchargeable at-fault accident, provided the policy:
Only the first surchargeable at-fault accident is "forgiven." Any violations relating to the accident or any subsequent accidents are subject to the applicable surcharge. The waiver applies only while the customer is insured with Plymouth Rock. The Deductible Rewards, Actual Replacement Cost and OEM endorsements may be used on a claim being "forgiven." Optional Accident Forgiveness Coverage The Accident Forgiveness option may be purchased for a policy that has been with Plymouth Rock less than 48 months prior to the policy effective date provided the other eligibility requirements apply, including: all listed drivers are SDIP Points 99. the at-fault driver and the vehicle involved are listed on the policy, and there are no other accidents currently being waived on the policy. The cost for the optional coverage is 1.5% of the total premium for Parts 1-9 and Part 12, and must be purchased at the inception of the policy term. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as full-time high school, college or university students at an accredited educational institution, and either maintain at least a "B" or "3.0" grade point average or are included on the "Dean's List," "Honor Roll," or comparable scholastic achievement list. The discount is based on rate class:
and applies to:
To be eligible, the student operator must have a driving record with fewer than 3 points under the SDIP plan. The student must supply a report card, transcript or certified statement from the school indicating the academic requirement was met during the semester immediately preceding the policy effective date. The discount may not be endorsed mid-term, and must be requested before each policy renewal for which the student is eligible (based on grades and inexperienced operator classification). The Student Away at School discount cannot be selected in conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligible discounts apply. To be eligible, the student operator may not have regular access to the covered vehicle while at school or on weekends. The discount would still apply when the student is home on breaks and summer vacation as long as they remain enrolled at the school and reside on or near campus during the regular school year. The Student Away at School discount cannot be applied In conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligIble discounts apply. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as students and reside at an accredited educational institution located more than 100 road miles from the auto's principal place of garaging. The discount is based on rate class:
and applies to:
Massachusetts Personal Auto Homeowners Dwelling Fire Term Life Insurance Massachusetts Commercial Auto Workers Compensation If you know someone who may need our services we would appreciate the opportunity to offer them our products and quality service. Just fill out the easy form below. Leave an introduction if you wish and send it along to us. We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you. We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information:
We do not disclose any personal information about current or former customers to anyone, except as permitted by law. |
