Business Insurance in Massachusetts

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Learn about Massachusetts' insurance requirements

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Recommended insurance policies for small businesses in Massachusetts

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General liability insurance

A commercial general liability policy covers the most common risks at Massachusetts businesses. Most commercial leases require this type of business liability insurance.

  • Customer bodily injuries
  • Damaged customer property
  • Slander and other advertising injuries
Professional liability insurance icon

Professional 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.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

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.

  • Customer notification expenses
  • Fraud monitoring services
  • Investigation of a data breach
Business owner’s policy icon

Business owner’s policy

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.

  • Customer injuries and property damage
  • Business property damage
  • Business interruption coverage
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Legal fees related to employee injuries
Commercial auto insurance icon

Commercial auto insurance

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.

  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Massachusetts business insurance requirements

State laws affect which business insurance coverage you need. These policies are required everywhere in Massachusetts, from Boston to Worcester.

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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.

Workers' compensation covers medical costs for work-related injuries and illnesses. It also provides disability benefits to injured Massachusetts workers.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Massachusetts must be covered by commercial auto insurance. This policy covers the cost of accidents involving commercial vehicles.

The minimum requirements for auto liability insurance in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $8,000 personal injury protection
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident

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).

How much does small business insurance cost?

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Commercial insurance can be affordable for Massachusetts small business owners. Factors that affect the premiums include:

  • Type of business and its risks
  • Business revenue and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

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 Agent Finder.

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