Savings Tips

  • Many Massachusetts businesses have employees throughout New England and beyond. If your employees work in other states, don't forget to report payroll in each state to your workers' comp insurance carrier. If you don't, employees in those states might not be covered.
  • Due to the hurricane risk in Massachusetts, check your insurance policies for provisions addressing flooding. Flood coverage often isn't standard with a business property insurance policy, so you may need to add it. Not sure if you're covered for water damage? Ask Business Insurance Now for a free policy review.
  • Your Massachusetts-based business might be able to save money on premiums by improving safety. Continually evaluating and improving safety helps reduce on-the-job injuries and can mean big savings on premiums for your workers' compensation insurance policy.

Massachusetts Business Insurance

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Can't find your Industry?

Ranked third in the nation in both per-capita GDP 1 and personal income, 2 Massachusetts is a great place to be in business. The state's historical importance is matched only by its innovation as a leader in the fields of biotechnology, high-tech, financial services and higher education. But doing business in this Northern, coastal state isn't without its risks. For example, Massachusetts has seen its share of tropical cyclones, and those who live here are accustomed to nor'easters and long, snowy winters. Wise business owners invest in appropriate property and business interruption insurance to protect their Massachusetts-based businesses in the event of storm damage.

Massachusetts: Rich in History, Rich in Business

With a lot of business going on in a small geographic area—particularly in densely populated Eastern Massachusetts—the state is an excellent location for businesses to prosper. To protect your business investment and promote future growth, it's essential to have proper commercial insurance provisions, including general liability and professional liability insurance coverage. Many companies simplify by choosing a single insurance agency that can provide all necessary coverages. Those seeking comprehensive insurance provisions and Massachusetts business insurance expertise will find both at Business Insurance Now.

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Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or "BOP," this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client's location.

Professional Liability Insurance. Professional Liability or "Errors & Omissions" Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice -- or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers' Compensation Insurance. Required in many states, Workers' Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today's litigious workplace.

1. Bureau of Economic Analysis: GDP by State
2. Bureau of Economic Analysis: State Personal Income 2008