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Insurance Policies for Massachusetts Small Businesses

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.

chevron_rightWorkers' Compensation
Property & Liability Insurance

Commonly referred to as a business owner's policy (BOP), it combines general liability insurance 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, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running, such as the use of a temporary location.

chevron_rightProperty & Liability
Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. 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.

chevron_rightProfessional Liability
General Liability Insurance

Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don't employ, 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.

chevron_rightGeneral Liability
Umbrella Insurance

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: it can cover costs that exceed the limit of another 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.

chevron_rightUmbrella

We Cover all Kinds of Professionals 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 Choose biBERK for Your Massachusetts Business?

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

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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.

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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 policies with other insurance companies.

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Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with more than 40 years of insurance experience and over 100,000 satisfied customers.

 
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Why is biBERK Better for Small Business?

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 Buffett, one of the world’s wealthiest businesspeople. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

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What Coverage is Required for Massachusetts Small Businesses?

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. 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.

What Does Business Insurance Cost in Massachusetts?

The cost of business insurance in Massachusetts depends on a number of factors, including industry, number of employees, and the amount of payroll. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

 

Massachusetts Small Business Insurance in Three Simple Steps

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

3. Report a Claim

Submit a claim online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

1. Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.

2. Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.

3. Report a Claim

Submit a claim online or by phone, and we’ll work quickly to pay your covered claims up to your policy’s limit.

Get a Quote Today

Save up to 20% on Business Insurance in Massachusetts.