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Massachusetts Business Insurance

biBERK is trusted by many companies for Massachusetts business insurance. We offer flexible policies to protect you from the many types of risk Massachusetts businesses face.

Massachusetts Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Massachusetts to suit your business.

Workers' Compensation

Massachusetts General Liability Insurance

Also known as commercial liability insurance, general liability insurance in Massachusetts is important for nearly every business. It covers damages and legal costs associated with injuries to customers and other people you don't employ (like slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liability

Massachusetts Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business. For instance, if a severe storm damages your building, you may be covered. You also get coverage for business interruption. This can replace lost income, as well as pay other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. In addition, you can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policy

Massachusetts Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, professional liability insurance in Massachusetts could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. If you’re an accountant, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

Professional Liability

Massachusetts Cyber Insurance

This type of business insurance in Massachusetts can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

Cyber Insurance

Massachusetts Umbrella Insurance

When buying business insurance in Massachusetts, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurance

We Cover all Kinds of Professionals and Businesses in Massachusetts, Including:

Auto service and repair centers
Babysitting services and child care providers
Bakeries
Barber shops and beauty parlors
Building electrician services
Building owner operations
Building raising companies
Building moving companies
Cabinet and trim installation services
Carpentry services
Carpet and flooring installation companies
Colleges
Concrete driveway installation/repair services
Contractor building operations
Fast food restaurants
Fence installation companies
Full-time housekeepers
Furniture stores
Garages and parking stations
Hotels
Household appliance installation companies
Insulation services
Landscaping and gardening services
Masonry services
Metal door installation services
Office clerical services
Painting and wallpaper installation companies
Paving services and road construction companies
Physicians’ offices
Plumbing services
Precision-machined parts manufacturing
Public health nursing associations
Residential carpenters and contractors
Restaurants
Retail stores
Security system companies
Tile, stone, mosaic, and terrazzo installation companies
Traveling auditors and accountants
Traveling sales and collection services
Trucking companies
Waterworks operations

Why biBERK for Business Insurance in Massachusetts?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.

Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Massachusetts Business Insurance?

Whether it’s Massachusetts workers’ comp or other liability insurance in Massachusetts, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffet. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Your Source for Small Business Insurance in Massachusetts

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

Business insurance in Boston, MA
Business insurance in Springfield, MA
Business insurance in Brockton, MA
Business insurance in Worcester, MA
Business insurance in Cambridge, MA
Business insurance in Fall River, MA
Business insurance in Quincy, MA
Any coverage we offer, wherever you are in Massachusetts!

What do biBERK Customers Say?

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Massachusetts Business Insurance: What’s Required?

Workers' Compensation

In Massachusetts, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee (including yourself as the business owner), you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Massachusetts without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your company is one of the smartest business decisions you can make.

Policy Cost

What Does Small Business Insurance in Massachusetts Cost?

The cost of small business insurance in Massachusetts depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Learn what you’ll pay by getting instant online small business insurance quotes.