Massachusetts Business Insurance
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We Know How to Help Protect Massachusetts Businesses
With a thriving innovation ecosystem, highly skilled talent, and a range of supportive tax incentives, Massachusetts offers many advantages to new business owners. From business license requirements to workers’ compensation regulations, we can offer local and statewide expertise and guidance to help you insure your new business and continue protecting it as it grows.
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More than 800 Massachusetts small businesses are insured by Simply Business
Recommended Policies for Massachusetts Small Businesses
Massachusetts business owners often consider these types of coverage.
General Liability Insurance in Massachusetts
A foundational coverage to cover risks most Massachusetts businesses may face. It also may be required for many leases.
Median cost in Massachusetts
From
$46
.00
/ month*
Helps Cover
Third-party bodily injury
Third-party property damage
Personal and advertising injury
Workers’ Compensation Insurance in Massachusetts
Coverage to help take care of employees who become sick or get injured on the job. Most Massachusetts businesses with 1 or more employees are required to have workers’ compensation coverage. It also can benefit business owners who don’t have employees.
Median cost in Massachusetts
From
$73
.00
/ month*
Helps Cover
Medical payments
Lost wages
Rehabilitation expenses
Professional Liability Insurance in Massachusetts
Also known as Errors and Omissions insurance, this policy is often recommended for businesses that provide advice and guidance to their clients. It also can cover errors that result in unsatisfactory finished work.
Median cost in Massachusetts
From
$42
.00
/ month*
Helps Cover
Negligence or alleged negligence
Legal defense costs
Claims involving libel and/or slander
Inland Marine Insurance
Also known as “tools and equipment coverage” because it can help cover costs if your business property or equipment is damaged or stolen. That means you might not have to pay out-of-pocket to repair or replace your property and can get back to work quickly.
Median cost in Massachusetts
From
$21
.00
/ month*
Helps Cover
Tools and equipment
Laptops and electronics
Party and special event equipment
Cyber Insurance
Cyber insurance — also known as cyber liability insurance — covers the costs of claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Median cost in Massachusetts
From
$21
.00
/ month*
Helps Cover
Crisis management
Forensic and legal fees
Fraud response
Extortion loss
Public relations costs
Business Owner’s Policy (BOP) Insurance
General liability, property insurance, and more all in one package. It can be a convenient, flexible, and more affordable solution for small business owners who don’t have a lot of time to search for different coverages, prices, and providers.
Median cost in Massachusetts
From
$42
.00
/ month*
Helps Cover
Third-party injuries and property damage
Business property damage
The Small Businesses We Help Protect in Massachusetts
Top Small Businesses in Massachusetts
Business Consulting
Whether you’re advising biotech startups in Cambridge, helping small shops in Worcester streamline operations, or guiding nonprofits across Western Mass, consultants face unique risks. Clients may claim bad advice or missed outcomes — even when you’ve done your best work. We help to protect your consulting business so you can keep guiding others toward growth with confidence.
Photography
From weddings on Cape Cod to headshots in Boston’s Back Bay, Bay State photographers capture big moments across every season. But unpredictable weather, missed shots, or damaged gear can turn a dream job into a legal or financial headache. Our business insurance helps you stay focused on the shot, while we help protect what’s behind the lens.
Cosmetology
Hair styling in Somerville. Skin care on Newbury Street. Nail art in New Bedford. Massachusetts cosmetologists keep clients looking their best — but beauty services come with risks. A slip, a skin reaction, or a client dispute can threaten your business. We’re here to help protect the business you’ve built, so you can keep the glow-ups coming.
We insure 400+ types of business.
Helpful Insights from Our Massachusetts Research Team
What types of business insurance are required in Massachusetts?
At the state level, typically, workers’ comp and commercial auto insurance are mandated by law. However, there may be different requirements in the county, city, or town where you operate.
Not your fault? You still may have to pay.
A lawsuit can be expensive, even if you’ve done nothing wrong. A client in Cambridge might say your business advice led to lost revenue. Or a couple in Salem could claim your photos missed key moments from their big day. Legal fees, lost time, and the stress of defending yourself can quickly add up.
Looking to save? Shop around without running around.
Comparing quotes and coverages can save you money, but it typically can cost you time. We’ve designed a fast and easy online compare-and-save tool for Massachusetts business owners. No multiple forms to complete. No high-pressure sales calls. See recommendations in minutes and get covered for most policies the same day.
Looking to save more? Here are some tips.
Two ways to lower your premium are opting for lower coverage limits or higher deductibles. Policies that bundle coverages, such as a business owner’s policy, can also save you money over buying separate policies.
We have more ways to help save on your Massachusetts business insurance in this helpful guide.
Would you like to talk with a Massachusetts insurance expert?
Our team of licensed agents can answer Massachusetts insurance questions, explain coverages, and help you choose what you need. They’re available Monday-Friday: 8 a.m.-8 p.m., ET.
Starting a business in Massachusetts? These resources could help.
Mass.gov – Starting a Business in Massachusetts
Your one-stop state guide to naming, registering, licensing, and taxes — plus links to free training and counseling to launch your venture with confidence.
Mass.gov – Business Front Door
The Business Front Door is Massachusetts’ one-stop portal for personalized guidance on permits, registrations, tax setup, and next steps for growing your business.
EOED – Programs & Grants for Business and Innovation
The MA Office of Economic Development program page outlines state-backed grants, incentives, and innovation initiatives to spur business expansion.
Massachusetts Small Business Development Center (MSBDC)
The MSBDC provides free, confidential advising, training, and resources covering everything from business plans to marketing and financing through regional centers statewide.
Small Business Massachusetts
Small Business MA is a public–private partnership offering statewide advocacy, educational programs, and networking opportunities to support and strengthen Massachusetts small business owners.
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Business Insurance
A one-minute explanation
Learn more about policies for Massachusetts small businesses, what they cover, why you might need them, and how we can help — all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
Feel Confident About Your Choice
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03
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More Helpful Information for Massachusetts Business Owners
6-minute read
How to Get a Massachusetts Business License
4-minute read
How to Get a Massachusetts Contractor License
5-minute read
States Where New Businesses Are Most Likely to Succeed
*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.