Business Details
38 Years
experience
Custom Insurance Solutions in Boston
Acacia Insurance is an independent risk management firm dedicated to providing exceptional service, intelligent insurance solutions, and tailored financial planning. Founded in 1988, we specialize in addressing the unique needs of businesses, affluent families, and individuals across New England and the United States. Our approach combines decades of industry expertise with a personalized commitment to understanding each client's distinct circumstances. We employ a systematic four-step process to identify coverage gaps, reduce premiums, and enhance protection while maintaining transparency and integrity. Our team of seasoned professionals prioritizes client relationships, ensuring every policyholder receives individualized attention rather than generic transactional service.With deep knowledge of complex insurance portfolios and specialized offerings like wine collection coverage, we deliver precision-crafted solutions for both personal and commercial clients. Our philosophy emphasizes proactive risk management, leveraging industry-leading resources to align liability limits with asset values and optimize deductible structures for maximum savings. Through strategic partnerships with regional and national carriers, we provide access to comprehensive coverage options tailored to unique exposures. Our commitment extends beyond policy placement, focusing on long-term client education and adaptive planning to address evolving life circumstances and market conditions.
Services
Personal Insurance
Commercial Insurance
Specialty Insurance
Financial Planning
Risk Management
Wine Collection Insurance
Umbrella Coverage
Homeowners Insurance
Vehicle Insurance
Valuable Articles Coverage
Details
- Year established: 1988
Highlights and features
- We implement a patented 4-step systematic process for coverage optimization
- Our team has 30+ years of experience in high-net-worth personal lines insurance
- We offer specialized coverage for unique assets like wine collections and collector vehicles
- Our financial planning services include retirement income strategies and employer benefit programs
- We maintain A+ ratings with major insurance carriers through strategic risk management
What people say
Delight to work with
Prompt, professional emails
Solid plan in place
Personalized meetings
Expertise in complex portfolios
Services
Personal Insurance
Our personal insurance services provide comprehensive protection for individuals and families. We specialize in high-value home, auto, and liability coverage tailored to unique circumstances. Through our proprietary Acacia Insurance Refresh process, we systematically evaluate existing policies to identify gaps, optimize deductibles, and enhance protection while reducing premiums by an average of 26%.
Commercial Insurance
We offer specialized commercial insurance solutions for businesses across diverse industries. Our approach combines in-depth risk assessment with strategic carrier partnerships to create customized coverage plans. With expertise in sectors like hospitality, manufacturing, and professional services, we help businesses manage liability exposure, protect assets, and implement risk mitigation strategies tailored to operational needs.
Specialty Insurance
Our specialty insurance division addresses unique and high-value assets including wine collections, fine art, and collector vehicles. We provide scheduled valuable possessions coverage with options for blanket or individual item protection. Partnering with premier insurers like Chubb, we offer policies that eliminate standard deductible requirements for scheduled items while ensuring comprehensive protection for specialized assets.
Financial Planning
We provide integrated financial planning services focused on retirement income strategies and employer benefit programs. Our expertise includes 401(k) plan design, retirement savings optimization, and comprehensive income planning. By aligning insurance solutions with long-term financial goals, we help clients build secure financial futures while maintaining protection against unexpected risks.
Risk Management
Our risk management services combine data-driven analysis with personalized consultation. Using current market data and industry resources, we identify coverage gaps and align property limits with current values. We specialize in correlating liability coverage to asset portfolios and optimizing deductible structures to achieve premium savings of up to 40% while maintaining appropriate protection levels.
People
Adam Ellis
Principal
With over 30 years in insurance, Adam transformed a small personal lines shop into a boutique brokerage serving high-net-worth clients. A Gettysburg College philosophy graduate, he applies logical analysis to complex insurance portfolios while maintaining a client-centric approach focused on making the unexpected uneventful.
Dan Frankel
Principal
Dan brings extensive financial services experience, including senior roles at Fidelity and MFS Investment Management. He developed the Acacia Insurance Refresh process in 2008 and specializes in retirement income strategies. With a background in Russian literature and an MBA from Babson, he combines analytical rigor with client-focused problem-solving.
Questions
What is the Acacia Insurance Refresh process?
Our proprietary 4-step systematic process identifies coverage gaps, optimizes deductibles, applies available discounts, and correlates liability limits to assets, resulting in 26% average premium savings and $1M+ improved liability coverage.
Do you specialize in unique insurance requirements?
Yes, we specialize in high-net-worth personal lines and complex commercial insurance needs, including specialty coverage for wine collections, collector vehicles, and valuable art with scheduled possession options.
How do you handle coverage for valuable assets?
We offer scheduled valuable possessions coverage with no deductible for claims. For items under $50,000, our Chubb partnership often eliminates appraisal requirements while ensuring comprehensive protection for high-value collections.
What geographic areas do you serve?
Based in Boston, we provide insurance solutions throughout New England and across the United States, with licensing and carrier partnerships enabling nationwide coverage for personal and commercial clients.
How do you approach financial planning?
Our financial planning integrates with insurance strategies, offering retirement income planning, 401(k) solutions, and employer benefit programs. We focus on aligning insurance protection with long-term wealth management objectives.
Can you help with commercial insurance needs?
We serve diverse business sectors including hospitality, manufacturing, professional services, and technology. Our boutique brokerage offers tailored commercial insurance solutions through strategic partnerships with regional and national carriers.
