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Business Insurance From Massachusetts Specialists

Proudly Providing Business Insurance to Companies in Massachusetts & 25 Other States Across the Nation

Operating a Massachusetts business is a complex operation, managing employees and client needs, while still trying to turn a profit. Many unexpected events including lawsuits, fire, property damage, and workplace injuries can make it more difficult to succeed and put your entire business’s future in jeopardy. With appropriate business insurance policies, your company can be financially protected from these and a variety of other situations.

Business Insurance Massachusetts

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You Should Have Options When Choosing Your Company's Business Insurance Policy 

No Business is Too Small

Every business, regardless of size, faces risks. Fire, theft, and lawsuits are major causes of loss for businesses across MA, and can strike regardless of how many employees your business has. There are a variety of business insurance options that can be tailored to your specific situation. Small businesses may benefit from a business owners policy, while larger businesses need a more complex insurance portfolio for complete protection.

Massachusetts Business Policies

Since all businesses face risks, certain types of insurance are recommended for most MA businesses In some situations, the state also requires your business to have certain types of coverage. Businesses in MA typically require all or most of the following policies:

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Property Insurance

This policy helps to cover your place of business as well as its contents from loss from situations including storm damage, fire, theft, and vandalism. Contents can include computer equipment, documents, office furniture, specialized equipment, and other items.


General Liability Insurance

When someone is injured on your business property or worksite, or due to your work, you can be held legally liable for any property damage and personal injury. Liability coverage can help to provide payment to for damages and expenses.

Workers Compensation

If you have employees, you are required to carry workers compensation insurance to help pay for workplace injuries.

Commercial Auto Insurance

All vehicles in MA must be covered by auto insurance. If your company owns or operates vehicles for business, you are required to have auto coverage.

Business Owners Policy

A great & affordable way for a small business to get protection with many of the standard commercial coverages in one policy. 

Business Insurance Massachusetts

Other Business Insurance Options

Because all businesses are unique, your insurance portfolio should reflect your specific needs to protect against the risks you face in your industry. Your insurance agent is a beneficial resource to determine which policies will provide the most protections for your business. Some policies you may want to consider are:

  • Professional Liability to help cover damages caused by your services.
  • Product Liability to help cover damages and injuries caused by your products.
  • Business Interruption Insurance to help cover your expenses if your business has to temporarily close.
  • Cyber Insurance for data breaches and cyber attacks.
  • Liquor Liability if your business or restaurant manufactures, distributes, or serves alcohol.
  • Inland Marine Coverage if you transport goods or tools over land.
  • Business Umbrella Insurance to extend your liability protection.
  • Employment Practices Liability for lawsuits filed by employees or potential employees.
  • Pollution Insurance
  • Flood Insurance

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By carefully evaluating your risks, you can determine which policies can provide the most significant benefits. For small businesses, many carriers allow you to incorporate some of these options into a package policy, making your insurance more convenient and affordable.

Businesses in Massachusetts and beyond face risks that could put their company’s future at risk. By investing in strategic commercial insurance policies, you can obtain financial protections against lawsuits, physical damages, bodily injuries, and other losses. With these protections in place, you can better operate your business confidently, knowing you have comprehensive coverage against many loss situations that may arise.

By the way - we are based in Massachusetts, but proudly write in RI, ME, OH, VA, IN,IL, CT, DC, MA, IA, NH, NJ, AZ, PA, TX, FL, MA, NV, SC, NY, MO, TN, VT, WI, KS, VA, as well.

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