Massachusetts Business Insurance

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Coverage for Your Massachusetts Business

Owning a business comes with inherent risks. Property damage, employee injuries, and lawsuits are only a few of the events you may face as a result of on-the-job accidents — no matter what type of work you do. That’s why it’s essential to have a comprehensive business insurance policy that protects you and your business should the unexpected occur.

Whatever type of insurance your business needs, we have you covered. Request a quote >

Recommended Types of Massachusetts Business Insurance

In addition to workers’ compensation and commercial auto — the two types of business insurance that Massachusetts requires — many business owners opt to purchase a combination of recommended coverages. Please note that deductibles, premiums, and optimal policies are highly variable and will depend on your unique business needs.

    Often shortened to “workers’ comp,” this coverage is designed to pay your employees’ medical expenses and/or lost wages, in the event they are injured or become ill as a result of job-related duties.

    What to know:
    -Required in Massachusetts
    -Covers employee medical expenses
    -When in place, injured employees may not also sue for damages


    This policy primarily covers damage to vehicles and injuries suffered in an accident. Commercial auto insurance also addresses a range of “other” damaging events, such as extreme weather, theft, or vandalism.

    What to know:
    -Required to register and drive a commercial vehicle
    -Covers accidents involving business vehicles
    -Protects against theft and non-accident damage


    When it comes to business insurance, the most common type of commercial bond is a license or permit bond, which ensures that contractors follow all the applicable laws and regulations for a given project.

    What to know:
    -Required for Massachusetts contractors
    -Two types — contract bonds and commercial bonds
    -Function more like a line of credit


    A BOP bundles together key coverages like general liability, business income, commercial property, and equipment coverage. It’s a cost-effective way for businesses to get the protection they need.

    What to know:
    - Does not include workers’ comp or commercial auto
    - Can supplement with add-on coverages
    - Designed for small businesses


    Commercial general liability (CGL) coverage is designed to protect your company against third-party claims of property damage, bodily injury, or advertising injuries/reputational harm.

    What to know:
    - Can be included as part of a BOP
    - Covers customer injuries and property damage
    - Protects your business against slander


    Whereas general liability covers other people’s property, commercial property coverage is designed to protect your place of business and its contents.

    What to know:
    - Can be included as part of a BOP
    - Most often addresses fire damage, burglaries, weather damage, and vandalism
    - Worthwhile even if your business is home-based


    Also called errors and omissions insurance (E&O), professional liability insurance exists to protect your company against mistakes, negligence, and oversights.

    What to know:
    - Designed for businesses that provide services or advice
    - Covers any lawsuits claiming professional negligence
    - Policies can be written for specific projects


    Business income insurance is designed to keep you and your employees afloat — by addressing lost income, regular operating expenses, and payroll — in the event of a business interruption.

    What to know:
    - Can be included as part of a BOP
    - Interruptions must be caused by perils such as fires and certain natural disasters
    - Typically includes a waiting period


Why Choose C&S for Your Massachusetts Business Insurance?

If you’re looking for a Massachusetts insurance agency that offers personalized advice and plenty of options, your search ends now. Here’s what makes us stand out:

We’re locals, too.

As an agency with a Massachusetts focus, we have specialized knowledge of both the local business insurance market and the specific needs of business owners whose livelihoods are based in the Bay State.

We get you the most competitive rates.

With access to all the top carriers for business insurance, we can give you more options than other agencies. More options means more competitive pricing and, quite often, better terms.

ma business insurance
We maintain a dedicated claims department.

This way, there’s always someone on hand to support you when something goes wrong. A dedicated claims department also means your claims get closed out faster, which is key to maintaining a healthy loss history.

What Insurance Do You Need for Your Business?

Whether you own a 100-employee company, sole proprietorship, or any sized business in between, our team can help you find the policies that meet your needs.

What Our Clients Say

“My representative is always there for any questions, or certificates I need. I feel that you always have the small business man’s back in finding affordable insurance options.”

Bill G.
customer since 2010

“The team is always quick to respond, helpful, and very knowledgeable. I will always recommend C&S insurance to other businesses.”

Laura C.
customer since 2016

“Everyone at C&S has treated me phenomenally. They have always been respectful, even as just a little, one-man business. They treat me like I matter. I recommend no other. Thank you!”

Heath W.
customer since 2016

“Great support and Customer Service. I truly believe they try to understand your business, when quoting your coverage. And…there’s actually a live person who answers the phone!”

Barbara M.
customer since 2018
Massachusetts Business Insurance FAQs
What is business insurance?

Business insurance is essentially a protection plan, designed to ensure that a company doesn’t suffer serious financial losses in the aftermath of events including (but not limited to) natural disas…

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What types of business insurance does Massachusetts require?

In the state of Massachusetts, there are only two required types of business insurance: Workers’ compensation insurance Commercial auto insurance (unless your business never owns or hires any vehicl…

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What are the minimum required limits for commercial auto insurance in Massachusetts?

The Bay State sets minimum required limits as follows: Bodily injury liability: $20,000 per person / $40,000 per accident Property damage liability: $5,000 per accident Uninsured motorist coverage: $2…

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How much does business insurance cost?

Business insurance costs, per year, run an enormously wide range — from a few hundred dollars at the least, up to millions of dollars for the largest corporations.

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What is a business insurance agent?

Business insurance agents act as advocates for company owners and leaders, by securing all the necessary types of protection, with optimal coverage limits.

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How much insurance coverage does my business need?

Just like price, recommended coverage limits are dependent on a variety of factors unique to your company.

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Get in Touch

We’re always happy to answer your questions. If you have concerns about your current business insurance coverage or are looking for a new policy, we can help. To begin the conversation, fill out the contact form and an agent from our team will be in touch shortly.

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