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Small Business Insurance for IT Professionals in Massachusetts

Given the city is known for its tea parties, it's no wonder Boston earned a spot among the Best Places for Foodies on our Best Places to Live for Tech Entrepreneurs report. But there's more to Massachusetts than Boston. Wherever in the Bay State you live and work, these tips can help you keep your costs and risk exposure as low as possible.

Cost-Saving Tips

  • If you've got employees working in states outside of Massachusetts, be sure to report payroll in each of those states to your workers' comp insurance carrier. Otherwise, those employees might not have coverage.
  • Before the next hurricane season, be sure your property insurance includes coverage for flooding and water damage. Because it's often not standard, you may need to add it with a separate policy.
  • A formal safety program can help your business reduce the risk of workplace injuries. At the same time, it's a great way to help keep your workers' comp premiums low.

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Home to a notable high-tech business boom, Massachusetts is a great place to set up an IT business. Ranked third in America in both personal income and per-capita GDP, 1 Massachusetts has plenty of opportunity for IT service providers. But as with many New England states, this state's climate can be unkind to businesses, with tropical cyclones, nor'easters and long, cold winters. That's why property and business interruption insurance are both a must for businesses based in Massachusetts.

Massachusetts: Rich in History, Rich in Business

Although Massachusetts may be a small state, there's nothing small about business here, especially in the densely populated East Coast region. Protect everything you've invested in your business with appropriate business insurance, including both general liability and professional liability insurance. Purchasing all of your business policies from a single agent helps keep things simple, so trust the IT business insurance experts at TechInsurance to help you secure all the coverage you need for your Massachusetts business, at a great rate.

Get fast, affordable coverage that's just the right fit for your IT business. Complete one online application and get your free, no-obligation quote fast. Choose the coverage you need, and we'll start your policy immediately.

If you're looking for any of the following types of insurance, we've got you covered:

Business Liability Insurance Package Policy.

You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.

Professional Liability Insurance.

Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.

Workers' Compensation Insurance.

Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.

Employment Practices Liability Insurance.

If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.

1. Bureau of Economic Analysis: State Personal Income 2008



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