Massachusetts Business Insurance

Customized protection for your Massachusetts business

Massachusetts business owners should consider several types of business insurance to protect their livelihood from a wide range of work-related incidents. Employee illness, business property damage and cyber attacks are a few of the many situations that can result in lawsuits and expensive recovery costs.

There are over 597,000 small businesses in Massachusetts that account for 99.5% of all businesses in the state, according to the Small Business Administration (SBA). These small businesses collectively employ 1.5 million people and are required by Massachusetts state law to protect them with workers’ compensation insurance.

Shop for workers’ comp, general liability, cyber insurance and more through the Progressive Advantage^® Business Program. Our licensed professionals can customize a Massachusetts business insurance quote that fits your business.

Types of MA business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Massachusetts should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in Massachusetts are required to have workers' comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Massachusetts businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Massachusetts?

The cost of a Massachusetts business insurance policy depends on a variety of factors, including a business’s size, location and coverage needs. For example, a business in Boston can expect a different rate than a business in Springfield.

The most influential factor, however, is the type of work that’s done. Professions are typically rated on the risk exposures that are unique to their industry. General contractors, tree trimmers and roofers are a few high-risk professions that need specialized insurance, which is usually more expensive.

Learn more about the factors that influence your cost, or get a free online quote to find out your rate.

Massachusetts business insurance requirements

Massachusetts law requires all businesses with employees to carry workers’ compensation insurance. Employers can get coverage through a licensed agent, broker or insurance carrier.

The workers’ comp law applies to all businesses, regardless of hours worked or number of employees. Domestic employees are the only exception and require coverage if they work a minimum of 16 hours per week.

Other business insurance coverages, like professional liability, general liability or a BOP, aren’t required by Massachusetts law. However, they’re usually needed before entering a contract with a landlord or prospective client.

Resources for Massachusetts small business owners:

Massachusetts Business Resources (Mass.gov)
Workers’ Comp in Massachusetts (Mass.gov)
Workers’ Compensation Guide (Mass.gov)
2023 Massachusetts Small Business Profile (U.S. Small Business Administration)
2018 Massachusetts Workplace Injury Data (U.S. Bureau of Labor Statistics)

Massachusetts professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single Massachusetts policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.