Every Massachusetts small business owner wants his or her business to be successful. Before you start to grow your business, make sure it is covered with small business insurance. Make sure that your assets would be protected, no matter what happens. Getting the right coverage for your small business, employees, and potentially your property is essential. Commercial property insurance may include more than you think, such as coverage for lost inventory or equipment. Having coverage for your business vehicles can help ensure the safety of your business and your drivers too. That’s why it is crucial that you insure those vehicles with commercial auto insurance. Your business is one of the most important things in your life and as a fellow small business; the agents at Encharter Insurance understand that.
When it comes to protecting your business you want to make sure you have all of the coverage you need. You want to be sure that your small business insurance coverage can offer you protection for anything from one of your employees having an accident to your business having a fire. Every business, no matter how big or how small, has unique coverage needs. Our agents can work with you to make sure that you have the coverage you need for all aspects.
A basic MA small business insurance package may include the following:
- General Liability
- Commercial Auto
- Commercial Property
- Workers Compensation
- Disability Insurance
- Professional Liability
- Flood Insurance
When you give our agents a call you may have a few questions for them. One of the first questions a small business owner has is: do I really need a small business insurance policy? No matter how small your business is, you will need some type of insurance coverage. Massachusetts has requirements for some coverages, such as workers comp and for other coverages they may be required by someone else (your bank, clients, etc.). Additionally, there also some supplemental policies that are optional.
Once you have determined a need for small business insurance, give one of our agents a call. Some information our agents will need to help you get a business insurance quote is:
- In the event of a loss, how much would you be responsible to replace?
- Gross sales of your business
- Insurance requirements of your clients
- Number of years (experience) in the field
Massachusetts has a long history of great inventors, industries, and companies starting right here in the Spirit of America. Did you know these fun facts about business right here in our state?
- The American industrial revolution began in Lowell. Lowell was America’s first planned industrial city.
- Quincy boasts the first Dunkin Donuts on Hancock Street and the first Howard Johnson’s on Newport Ave.
- Acushnet is the hometown of the Titleist golf ball company.
- This state pioneered the manufacture of textiles and shoes. Today, the most important industries are electronics and communications equipment fields.
Navigating a small business insurance policy can be more complicated than your personal insurance policies. There is more to cover and there are more laws and rules to follow in most cases as well. Our commercial lines insurance agents can help you throughout the process. They know the right questions to ask to get you the best all-around coverage for your particular business. Getting the insurance coverage you need for your business has never been easier.
Give us a call at 888.865.1244 if you have questions or would like a quote for your MA small business insurance policy today!