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Small Business Insurance in Massachusetts
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Recommended insurance policies for small businesses in Massachusetts
General liability insurance
General liability covers common risks for small businesses in Massachusetts, including customer property damage and injuries. Commercial leases often require this policy.
BEST FOR
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
BEST FOR
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy protects Massachusetts small businesses against data breaches and cyberattacks that affect your business or a client.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner's policy
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Massachusetts small business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers' compensation
Workers’ compensation is required for Massachusetts small businesses that have four or more employees. It can cover medical costs for work injuries.
BEST FOR
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
This policy is required for vehicles owned by Massachusetts small businesses. It covers injuries and property damage in an accident, along with other types of damage.
BEST FOR
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? Check out our other policies.
What are the insurance requirements for small businesses in Massachusetts?
State laws can affect which policies you need for your small business. These policies are required for Massachusetts businesses.
Workers' compensation insurance
Massachusetts state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
Vehicles owned by small businesses in Massachusetts must be covered by commercial auto insurance. The Commonwealth of Massachusetts requires the following levels of coverage:
- Bodily injury liability: $20,000 per person / $40,000 per accident
- Property damage liability: $5,000 per accident
- Uninsured motorist coverage: $20,000 per person / $40,000 per accident
- Personal injury protection: $8,000
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.
How much does small business insurance cost?
Commercial insurance can be affordable for a small Massachusetts company. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
What our customers are saying
We specialize in business insurance for Massachusetts technology professionals
Our agents are experts in insurance for Massachusetts technology businesses. They can help you find policies that fit your company and fulfill state requirements.
In Massachusetts, TechInsurance is licensed by the state’s Division of Insurance 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.