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

General liability insurance icon

General liability insurance

This policy is important for all Massachusetts businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

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

Cyber liability insurance

This policy helps Massachusetts businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Massachusetts business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required for all Massachusetts businesses that have employees. It can cover medical costs for work injuries and illnesses.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over 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.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
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
View Small Business Insurance Costs

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.

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