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.
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:
This policy is important for all Massachusetts businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
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.
This policy helps Massachusetts businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
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.
Workers’ compensation insurance is required for all Massachusetts businesses that have employees. It can cover medical costs for work injuries and illnesses.
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.
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.