Massachusetts Business Insurance

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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    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

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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.
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