We Take You Personally

The Reardon Agency has been building relationships and protecting our community for over 55 years.

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Learn About The Reardon Agency

26 Clark Lane, Waterford, CT 06385

The Reardon Agency has been providing personal service and quality insurance products to individuals and businesses in Connecticut, Massachusetts, and Rhode Island since 1967. As a family-owned and operated independent insurance agency, we have a deep understanding of the needs of our clients.

We work with many “A” rated insurance companies and are familiar with their policies and offerings, allowing us to match you with a provider that suits your requirements. Our range of insurance products offer protection for everything from cars and homes, to businesses of all sizes. With over 55 years of experience in the insurance industry, The Reardon Agency is here to work with you.

Insuring Connecticut and More

As a locally-owned business and residents of Connecticut ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Waterford, CT, and across Connecticut, Massachusetts, and Rhode Island.

Our Specialities

Condominium Master Policy and Contractor Insurance

We specialize in providing insurance policies to condominium and homeowners associations and contractors. We understand that the needs of each business are different, so we’re here to listen to you. With multiple insurance companies to choose from, we will work with you to meet your requirements for pricing and policy and we will make coverage suggestions to protect your property and liability.

We look forward to helping you develop an insurance plan that protects what matters to you, while meeting your financial needs.

We Listen to Your Needs

The Reardon Agency offers a variety of insurance by industry, personal insurance, and business insurance solutions to help you protect what matters most.

Insurance by Industry

Personal Insurance

Business Insurance

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent MAPFRE, American Modern, Berkshire Hathaway Guard, and more!

Condo and co-op associations may face severe financial consequences from property loss due to fire, wind, or other causes.

Commercial property insurance should provide coverage for damage to the building, personal property owned by the association, and income lost due to a covered cause of loss.

Condo and co-op associations are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. The association could also face lawsuits from claims associated with common areas such as hallways, stairwells, swimming pools, and parking areas.

General liability insurance is an absolute necessity for any association. It provides coverage for legal fees and judgments when the association is named in a covered lawsuit.

Crime and fidelity bond insurance is designed to provide coverage to cooperative and condominium associations to protect them from theft of funds or association-owned personal property by an employee, board member and in some cases, the property management firm.

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and alteration, computer fraud, counterfeiting, and more.

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment and any resulting lost income or extra expenses.

Comprehensive coverage provides protection against equipment mechanical breakdown for machinery such as heating and cooling equipment and elevator motors.

Directors and officers (such as board members) can be held accountable for decisions they make in the performance of their duties. Any resulting lawsuits are typically expensive to defend and can result in potentially large settlements.

Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and may also provide the money necessary for any resulting judgments.

What happens when your condo or co-op building faces a large liability loss that exceeds the basic limit of your standard policy?

A commercial umbrella policy will provide extra coverage over and above general liability, directors and officers liability, auto liability, and employers liability policies. Limits start at $1,000,000 and go as high as $200,000,000.

Technology has spun a whole new web of liability exposures including the need for protection of privacy, data, and financial information for your association residents. Breach of their data can result in costly fees and lawsuits for the association if held liable.

Cyber liability coverage covers fees and lawsuits resulting from the breach of personal data, assuming that the association is liable.

Pollutant clean-up is generally excluded from the basic policies. Leaking of a fuel tank can be very costly to remediate.

Environmental insurance provides coverage for clean-up costs and third party lawsuits as a result of a leak from the tank or related pipes.

Typically the policies for the association exclude coverage for the sponsor or holder of unsold shares for the interior of the units they own.

A policy should be maintained to provide coverage for what you are responsible for within the unit, as well as any lost income and lawsuits resulting from acts within the unit.

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Manage Your Policies

Already a client of The Reardon Agency? Visit our Service Center to make requests and manage your insurance.

  Report a Claim

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We Care About Our Clients

Check out our reviews and see why you should switch to The Reardon Agency.

“My husband and I have been clients of The Reardon Agency for over 40 years. We love the personal service and attention to details and our growing or changing needs.”

Sharon A.

“I am an automobile dealer and through these troubling times, the folks at the Reardon Agency are still taking care of people! Not only do they take care of my family and I, but many of my friends and clients as well.”

Colby K.

“The staff that I have worked with at The Reardon Agency has provided not only exceptional, quick service but also much needed expertise and advice in the often convoluted realm of insurance.”

Arielle W.

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26 Clark Lane Waterford, CT 06385

 860-442-1396 Email Us 860-444-2822 fax

Experience the Value of an Independent Agency

At The Reardon Agency, our mission is providing personal and business insurance products to meet the needs of you, your family, and your business.

We are licensed in Connecticut, Massachusetts, and Rhode Island.

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