Large or small, you’ve worked hard to build your business—no matter what you do, make sure you’re covered. While a lot of businesses legally require the same protection, we’ll work with you to identify any unique hazards that you should be insured against and find the coverage that makes the most sense for your business.

Commercial Automobile Insurance

A Commercial Automobile Policy insures vehicles that are owned, leased, hired or borrowed by businesses—whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. Contact Us for more details about specific coverage and deductibles and to design a Business Auto plan that’s right for you.

Business Owner Insurance

Many small business owners purchase a Business Owners Policy which packages Property, Liability, and other types of coverage into one comprehensive policy to help you save time and money. Contact Us to find out if business owner coverage is right for you.

Property and General Liability Insurance

Property Insurance can protect your commercial building, office furniture, computer equipment, leasehold improvements, inventory, business records, supplies, and other physical items in the event of a loss caused by a covered peril such as fire or theft. It can also help supplement the loss of business income that you may incur in the event of a loss. Contact Us today to find the best rates for your business.

Employment Practices Liability

Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It provides protection against such employment-related acts as discrimination (age, sex, race, disability, etc.), wrongful termination of employment, and sexual harassment. Contact Us to discuss the right coverage for your business today.

Home Business Insurance

Your Homeowner’s policy provides very limited coverage to your business property and no coverage for business liability. You may need to purchase a commercial policy to properly protect and insure your Home Business. Contact Us to discuss your best options for Home Business coverage.

Professional Liability

Certain professionals have legally obligated standards of conduct established by their field, especially if improper performance can result in injuries to others. There are many insurance coverage options available to help protect professionals—from lawyers to physicians to architects to accountants—against potential liability hazards associated with their work. Contact Us to find the right coverage for your profession.

Commercial Umbrella Insurance

Liability Insurance protects the business owner against injury or damage claims made by other parties, including those occurring on the premises of your business, or caused by your business operations or product. Unfortunately we live in an age of million-dollar lawsuits, to protect against a debilitating lawsuit, many business owners add extra liability protection in the form of a Commercial Umbrella Liability Policy. The umbrella provides an extra layer of liability protection over and above your general liability, auto liability, and employer liability coverage.

Worker Compensation Insurance

Workers’ Compensation and Employers Liability coverage applies to accidental bodily injury and diseases arising out of and in the course of employment.
Only occupational diseases which are unique to the occupation are covered. The Workers’ Compensation Insurance Policy provides the injured employee with medical benefits, income benefits, and rehabilitation benefits. It also provides death benefits to the injured party’s family in the event of a work-related fatality.Workers compensation premiums are based upon a combination of (1) the job classifications of each employee (2) their annual compensation (payroll) and (3) your business’s past Workers’ Compensation loss experience. Smaller businesses with minimal Workers’ Compensation premiums will most likely pay the state’s manual fixed rates. Larger businesses with good loss experience may be eligible for premium discounts and/or dividends from some Workers’ Compensation insurers.

It is important to note that many small business owners are unknowingly in violation of the Massachusetts Independent Contractor law, believing that they are not obligated to obtain Workers’ Compensation insurance to protect workers. Massachusetts General Law 149 Section 148B defines a worker as an employee as opposed to an independent contractor. Under the law, anyone defined as an employee must be protected by a Workers’ Compensation insurance policy. Serious fines and sanctions can be enforced on a business in violation of the state’s Workers’ Compensation laws, as outlined by the Attorney General. Contact Us today to make sure you have the coverage you need.