Explore coverage options that help protect your business, employees, and day-to-day operations.
At C&S Insurance, we offer specialized insurance coverage for a wide variety of industries, including:
Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of coverage designed for businesses that provide services or advice to clients. If you or your employees make a mistake, give faulty advice, neglect something crucial, professional liability can provide the funds needed to correct the mistake. If necessary, professional liability may also cover legal defense costs and/or help with a court settlement.
Yes. All Massachusetts employers are required to maintain this coverage for their employees and even for themselves, with a few exceptions to the rule: Owners of LLCs and sole proprietors may not be obligated to purchase coverage for themselves but would still need coverage for employees.
A BOP is a simplified bundle of at least two essential business coverages, designed for small businesses in certain low-risk industries. Typically, a BOP includes key coverages such as general liability, business income, and commercial property. Notably, it doesn’t include workers’ compensation insurance or commercial auto coverage — these policies must be purchased separately.
While general liability insurance isn’t mandated by the state, prospective clients or landlords may require businesses to carry a policy before agreeing to a contract or lease. Because of this, it’s in your best interest to purchase general liability coverage for your business.
C&S Insurance offers business insurance coverages that include workers’ compensation, commercial auto, surety bonds, business owner’s policy, general liability, commercial property, professional liability, business income, and others. Our team of insurance professionals can help you find the policies that meet your needs.
You can request a business insurance quote from us by getting in touch online, giving the team a call at 508-618-5975, or dropping by our Attleboro, Bridgewater, Dedham, or Mansfield offices.
Contractor bonds, also called surety bonds, are financial guarantees that protect customers and the state if a contractor fails to follow laws, regulations, or the terms of a contract. Unlike other insurance coverages, which protect the contractor, bonds are designed to protect the public.
In Massachusetts, certain contractor bonds are required, depending on the type of work you do and how you’re licensed.
Commercial business income insurance is a type of coverage that protects against loss of income due to damage to physical property. In addition to payroll, commercial business income insurance may also cover rent, the cost of moving (if needed), and more.
Commercial auto insurance is a type of coverage intended to pay for losses involving cars, trucks, vans, and other vehicles that your business owns and uses for its purposes. In Massachusetts, this coverage is required if your business owns or uses vehicles for operations.
Find answers about coverage for your home, auto, and the things you value most.
The latest state mandates (as of July 2025) require the following minimum coverages:
When it comes to lowering your monthly car insurance bill, there are several options you can pursue. Shopping around for a new insurer, asking your current carrier about discounts (e.g., safe driver, low mileage, good student, or bundling), increasing your deductible, improving your credit score, and practicing safe driving habits can go a long way toward lowering your premium.
Policies can vary quite a bit depending on your circumstances, but most at minimum include:
No, flood insurance is not included. Homeowners in flood-prone areas should consider purchasing separate flood insurance.
Umbrella insurance is a backup coverage that can help you pay for your legal defense or court-ordered settlements if the limits on your home insurance or car insurance aren’t enough. For anyone who owns a home, the answer is often yes. If you or a family member is ever named in a serious lawsuit (such as after a car accident, an at-home injury, or many other circumstances), umbrella coverage can help make sure you don’t lose your home and other assets due to insufficient coverage limits.
High net worth insurance is designed for houses, condos, and apartments that stand apart from other properties for their historical architecture, interior design, eco-friendly features, and/or overall value. If your home has a value of $2M or more, you need high net worth insurance.
Even though renter’s insurance isn’t legally required in Massachusetts, it’s a good idea to carry a policy if you rent your home as your landlord’s insurance doesn’t extend to you and your property.
Condo insurance is a key type of coverage for condo owners, offering protection for the interior of your unit and your personal belongings. This variation of home insurance typically includes liability coverage, and it often helps with additional living expenses if your unit becomes uninhabitable due to a covered event. This type of coverage is essential even if your condo association has a master policy.
Yes. Massachusetts law requires all drivers to carry auto insurance with specific minimum coverage limits.
Pet insurance is not required, but it provides the financial security and peace of mind you need to keep your pets as safe and healthy as possible. You probably have a good idea of what routine visits and vaccinations cost, but an unexpected trip to the vet could set you back thousands of dollars.
It’s important to insure your property to its full value. Depending on the insurance policy, partially insured property may not be covered in a loss.
The deductible amount depends on the policy. It also depends how property is insured. The insurance company may pay upfront and then send you the deductible, or they will pay for your claim up to your coverage limit, minus the deductible amount. For example, if your $30,000 Bobcat loader is stolen and you have a $1,000 deductible, then the insurance company should pay $29,000.
Condo insurance is a type of insurance specifically for condominium homeowners.
Condo insurance is not required by Massachusetts law, but we recommend that everyone has it. Most condo associations will require you to have a condo insurance policy.
Loss assessment is an optional coverage that you can add on to a home or condo insurance policy.
No. Since condo insurance is a type of homeowners insurance, one or the other is sufficient.
No, but it’s recommended. Some landlords may require their tenants to hold renter’s insurance.
The average renter’s insurance cost in Massachusetts is between $15 and $30 a month.
If your luggage gets stolen during a vacation or work trip, your Massachusetts renter’s insurance will probably cover the loss, but it’s not always a guarantee so make sure to review your policy.
If you live in campus housing, you are most likely covered by your parent’s insurance. It’s a good idea to confirm the details since some policies only cover student property up to a certain percentage of your household’s total coverage. If you live off-campus, you will need your own insurance coverage.
Pet insurance is the equivalent of health insurance for humans. You pay an annual premium for certain types of coverage that will help reduce your overall pet expenses. In some cases, you will pay the healthcare provider directly, such as when you visit a hospital, you pay your deductible and the insurance providers works out the rest with the hospital. In other cases, you need to submit a claim, which means you pay out of pocket, file the claim online and get reimbursed.
Any licensed vet in the U.S., Canada or Puerto Rico accepts vet insurance.
Wondering how to prevent ice dams from forming on your roof this winter? Review these tips.
Pet insurance typically covers accidents and illnesses, hospitalization, surgeries, prescriptions, cancer treatments, and vet specialists.
Pre-existing conditions, annual exams, vaccinations, and spaying and neutering are usually not covered.
The cost will depend on a number of factors, including the type and breed of your pet, the pet’s age, where you live, and whether your pet has any pre-existing conditions.
We recommend an “all risk” policy.
You should insure your boat for the amount it would take to replace it — otherwise known as “agreed value” coverage.
A typical boat insurance policy will cover property damage and help replace or repair any personal items that may have been lost or damaged. A policy will also cover a large portion of any medical expenses if there is an accident, regardless of whether you or someone else driving your boat is at fault (or whether the accident was caused by someone else). Legal costs may also be covered depending on the situation. It’s important to remember, however, that coverages and requirements can vary by state (and even by marina), so it’s best to ask — and consult with a reputable insurance partner like C&S if you’re in the market for a new policy.
The majority of boat insurance policies allow anyone to operate your boat, as long as you’ve provided permission. There may be some exceptions, though, so it’s best to carefully read through your policy and confirm with your C&S insurance agent before you agree to let someone else behind the wheel.
You may be able to receive what is called a “lay up” discount. It’s best to give us a call to discuss your year-round coverage possibilities.
Yacht coverage is typically broader since these larger vessels often travel on longer journeys, which increases the risks for perils and exposures. Boats tend to stay closer to shore. Yacht insurance will also typically include natural disaster coverage since there’s a greater chance they could encounter inclement weather.
There are two main parts to a yacht insurance policy: hull insurance and protection and indemnity insurance, according to Investopedia. If your yacht is an antique or classic vessel, you may also look for specialized coverage.
You can get a flat deductible which is a simple number of $1,000 or $2,500. Many carriers may offer policies based on the percentage of the hull. For example you could have a $100,000 boat with a 2% deductible. Therefore you would have a $2,000 deductible.
At C&S Insurance, we offer a variety of different personal coverages including auto, renter’s, home, condo, high net worth, coastal property, and umbrella insurance. Our team is here to help you find the coverages you need.
Get answers about coverage for unique needs, from cyber risks to coastal properties.
Coastal business property insurance is a stand-alone policy that covers risks associated with coastal properties, such as hurricanes, windstorms, flooding, and erosion. Generally, these are either excluded or undercovered in nearly all commercial property insurance policies due to the higher risks associated with insuring coastal properties.
Cyber insurance, also known as cyber liability insurance, helps protect businesses from the financial fallout of data breaches, ransomware attacks, phishing scams, and other cyber incidents. These policies are designed to cover both the direct costs of an attack and the liability that can follow. If your business uses computers, stores customer or employee data, accepts online payments, or relies on email, then you should strongly consider it.
If you own a swimming pool, your home insurance policy will likely include some coverage for damage to the pool itself. However, the much bigger risk is your personal liability if a guest were ever injured while swimming, diving, or playing in your yard. While you do get some level of personality liability coverage built into your home insurance policy, the limits may not be high enough. Swimming pool insurance helps ensure those limits are sufficient.
What you’ll pay for home insurance in Massachusetts depends on a variety of factors and can differ widely from policy to policy. For an accurate estimate of what you’ll pay, getting a quote is a good first step.
While home insurance rates in Massachusetts are influenced by factors like weather risks, rebuilding costs, and local claims trends, there are several steps you can take to help lower your premium. Consider bundling policies, increasing your deductible, improving home safety and security, avoiding small claims, asking about available discounts, and regularly reviewing your policy.
You can request a specialty insurance quote from us by getting in touch online, giving our team a call at 508-618-5975, or dropping by our Attleboro, Bridgewater, Dedham, or Mansfield offices.
Your C&S Insurance account manager is more than happy to help you process a personal or business claim. However, if you need claim support when our office is closed, please contact your carrier directly.
To provide fast, reliable emergency clean-up and restoration assistance, we’ve teamed up with SERVPRO, one of the nation’s leading disaster recovery teams. If you need assistance after a disaster, please contact your dedicated SERVPRO contact directly.
Your direct SERVPRO contact is:
Tim Forbes, WRT, AMRT
(508) 243-4228
Tim@TeamTMC.com
Tim is a dedicated local SERVPRO representative who understands the urgency of property damage and works directly with our agency to streamline your recovery process.
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