Commercial Insurance Dorchester MA

Business insurance protects your company from financial losses due to accidents, lawsuits, natural disasters, employee issues, or unexpected events. Depending on the coverage, it can protect your property, equipment, employees, and even your reputation.

Even small businesses face risks that could shut them down without insurance. Contact our office so we can tailor a plan to your specific needs.

Common types include:

• General Liability Insurance (lawsuits, injuries, property damage)
• Commercial Property Insurance (buildings, equipment, inventory)
• Business Owner’s Policy (BOP) (bundles liability + property at a lower cost)
• Workers’ Compensation (employee injuries on the job)
• Commercial Auto Insurance (company-owned vehicles)
• Professional Liability (Errors & Omissions) (service-based mistakes)
• Cyber Liability Insurance (data breaches, hacks)

Not sure what applies to your business? Reach out to us—we’ll build the right mix of coverage.

It depends. Many states require workers’ compensation if you have employees, and commercial auto insurance if you use company vehicles. Landlords, clients, or contractors may also require liability coverage before they’ll work with you.

Since every industry and state is different, contact our office to make sure you’re meeting legal and contractual requirements.

Costs vary depending on your industry, size, location, number of employees, and coverage limits. For example, a small consulting firm will typically pay much less than a restaurant or construction company.

The best way to know is to request a personalized quote from us—we’ll shop options and explain your choices clearly.

A BOP combines general liability insurance and commercial property insurance into one affordable package, often with optional add-ons like business interruption coverage.

It’s a great fit for small to mid-sized businesses. Wondering if your business qualifies? Contact us and we’ll check for you.

Yes—with the right coverage. Workers’ compensation helps cover medical bills and lost wages if an employee is injured on the job. Employment practices liability insurance (EPLI) can protect you against claims like wrongful termination or discrimination.

Not sure what protections you need for your team? Call us—we’ll make sure your people and your business are properly covered.

Yes. General liability insurance protects against lawsuits involving bodily injury, property damage, or advertising injury. Professional liability covers mistakes or negligence in your services.

Because lawsuits can be financially devastating, contact our agency so we can review your liability limits and ensure you’re adequately protected.

Most policies don’t cover:

• Normal wear and tear
• Fraud or intentional acts
• Earthquakes or floods (unless added separately)
• Damage from employee theft (requires crime coverage)

We always recommend reviewing the exclusions section of your policy carefully. If you’re unsure, call us—we’ll help identify what’s missing and how to fill the gaps.

Ways to reduce costs include:

• Bundling multiple policies (like a BOP)
• Improving workplace safety programs
• Raising deductibles
• Keeping claims history clean
• Installing security systems and fire protection

Contact us directly—we’ll explore discounts and cost-saving strategies specific to your business.

If you experience a loss:

1. Document the incident with photos or videos
2. Notify the authorities if required (e.g., theft or vandalism)
3. Call our office immediately—we’ll help file the claim, guide you step by step, and advocate on your behalf with the insurance company

Don’t go directly to the carrier—start with us to ensure the best outcome for your business.