A commercial general liability policy covers the most common risks at Massachusetts businesses. Most commercial leases require this type of business liability insurance.
This policy, also called errors and omissions insurance (E&O), protects Massachusetts businesses that provide professional services. It covers lawsuits related to work performance.
This business insurance policy covers financial losses from data breaches and cyberattacks. It's recommended for businesses that handle credit cards and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Massachusetts business.
Workers’ comp insurance is required for all Massachusetts businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Massachusetts. It covers injuries and property damage in an accident, along with vehicle theft and some types of damage.
State laws affect which business insurance coverage you need. These policies are required everywhere in Massachusetts, from Boston to Worcester.
According to Massachusetts state law, all businesses must carry workers' compensation insurance, regardless of the amount of hours worked by employees. Even employees in domestic service must be covered if they work at least 16 hours a week.
Workers' compensation covers medical costs for work-related injuries and illnesses. It also provides disability benefits to injured Massachusetts workers.
The minimum requirements for auto liability insurance in Massachusetts are:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Massachusetts' requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Massachusetts, insurance agencies, agents, and brokers are licensed by the state’s Division of Insurance. Insureon is licensed in Massachusetts as BIN Insurance Holdings, LLC (license number 1884953). You can verify our licensure using the Mass.gov Agent Finder.