Business Insurance in Massachusetts

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What are the requirements for small business insurance in Massachusetts?

State laws can affect which insurance policies you need for your small business. These policies are required for Massachusetts businesses.
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Workers' compensation insurance

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. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Massachusetts must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Massachusetts’ commercial auto insurance requirements are:

  • Bodily injury liability: $20,000 per person / $40,000 per accident
  • Property damage liability: $5,000 per accident
  • Uninsured motorist coverage: $20,000 per person / $40,000 per accident
  • Personal injury protection: $8,000

Recommended insurance policies for small businesses in Massachusetts

Looking for different coverage? See more policies.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Massachusetts business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Massachusetts business insurance

In Massachusetts, insurance agents, agencies, 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 on InsureMASS, the Massachusetts Division of Insurance Information Portal for Consumers, by entering our license number in the "Find an insurance agency" tab.

What our customers are saying
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