Business Insurance in Massachusetts

Starting your own business is hard work. When you succeed, however, you’ll get to see your passion grow into a thriving company with happy customers and clients. Protect your hopes of prosperity with business insurance from A-Affordable Insurance. We believe that every business in Massachusetts – no matter how big or small – should have access to affordable insurance, and that includes yours.

Why Business Insurance Is Vital

When you own a business of any size, you work tirelessly to ensure its success and a bright future. It’s also an investment of money, effort, and emotion. No matter how much you pour into it, however, everything can be wiped out in one fire, theft event, or lawsuit. The result could be expensive repairs, a damaged reputation, or lost income – not to mention a high cost to rebuild.

A business owner’s policy (BOP) can protect your company from all kinds of disasters, from the natural to the manmade. By investing in business insurance, you invest in the peace of mind that your organization will be protected – no matter what happens.


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What Does It Cover?

Business insurance isn’t one specific type of coverage. Rather, it’s a customizable bundle of several policies designed to protect different aspects of your business. Each bundle is uniquely tailored to fit its owner, so the range of coverage is as wide as the variety of business types. Here are some of the most important coverages:

Business Property and Equipment

Your business property insurance covers your building against fires, storms, vandalism, and theft. If your business uses expensive equipment or technology, you should also invest in additional insurance to protect it.

Business Income

When a disaster ruins your property, you might be stuck without a place to work until the building or equipment is repaired. Business income insurance can compensate for a portion of your lost income so you don’t need to worry.

Liability Coverage

If a customer or client is injured on your property, your business may be held responsible. General liability coverage helps pay for the resulting lawsuits. Professional liability coverage goes one step further, covering lawsuits that result from errors and omissions in service. Employment practices liability coverage is also available to protect you against employee lawsuits.

Workers’ Compensation

Workers’ compensation is required for all businesses that have employees in the state of Massachusetts. It provides employees with medical care and lost wages after they suffer a work-related injury or illness.

Commercial Auto

If your business owns and uses vehicles, then consider adding commercial auto insurance to your bundle. It pays for damaged property, medical expenses, and liability related to accidents that happen with your company car, truck, or another vehicle.

The A-Affordable Insurance Difference

We know business insurance is an important investment, but also an expensive one. That’s why A-Affordable Insurance is here to help business owners across Massachusetts find affordable policies to protect their hard work. We also understand business-related problems don’t always happen at convenient times, so we take special effort to make sure our insurance is easy and accessible whenever you need it.

A-Affordable Insurance has 15 locations across Massachusetts, and they’re all open late, so the right protection is never far away. Get started today with budget-friendly business insurance by contacting us at 1-800-89-SAVES (72837). Our knowledgeable representatives are standing by to help you find the right policies to protect your company.

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General Liability

  • Helps pay for lawsuits that claim your business caused bodily injury or property damage.
  • Pays for third-party damages, not yours.
  • Protects businesses against a wide variety of situations involving third-party injuries or property damage (e.g. slip and falls, broken windows).
  • Generally includes Bodily Injury and Property Damage Liability, Personal and Advertising Injury, Medical Payments, Products Completed Operations, Damages to Premises Rented to you.
  • While General Liability is not required by law, failing to carry it could result in a severe financial loss.

For more information call A-Affordable Insurance Agency at 1-800-897-2837 or Click HERE

  • Helps cover the costs of an auto accident if you or an employee is at fault. It can help pay for damaged property and medical expenses – even in the event of a fatal accident.
  • Provides Liability and Physical Damage protection for all types if vehicles used in business including cars, trucks, vans, semis, dump trucks, etc.
  • Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

Call our Commercial Specialists today to get started! Just call 1-800-897-2837 or Click HERE

Workers’ Compensation Insurance

Workers’ compensation insurance provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.  It not only helps pay for the medical expenses needed to treat job-related injuries and illnesses but also helps employees keep their income while they take time off to recover from an injury.

In the state of Massachusetts, businesses that have employees must have workers’ compensation insurance. Without it, your business could face painful fines and the possibility of lawsuits filed by employees injured on the job.

Contact A-Affordable Insurance Agency today and let one of our qualified staff members help you get the right policy for the right price! Just call 1-800-897-2837 or Click HERE

  • Rates are higher but for the right person is totally worth the quick service and faster DMV service

    E.T. J. Avatar E.T. J.
    January 29, 2024
  • I had Bianca R help me with my insurance and she made sure I was secure for my car. She explained everything clearly so I knew what I was signing, she was ready to fight for me when the car dealer was giving me a hard time. I would fully 110% recommend her or even give her a raise for how amazing she treated us and how fast she wanted to help get my first car on the road!

    lilliana lauziere Avatar lilliana lauziere
    October 5, 2023
  • A-Affordable SAVED MY BUTT. My previous insurance policy was cancelled due to non payment (attributed to a series of misunderstandings and late arriving letters), and when I went through my previous agency to find new coverage, the cheapest they found was a $4000 down payment and $450+ monthly payments. I only had two days to find new coverage before I would lose my registration on the vehicle. A friend directed me to A-Affordable, and Regina (the CSR) was able to get me set up with a new policy that was even less than my previous monthly payments! I’m incredibly grateful for how kind, understanding, knowledgeable and quick Regina was. Overall: incredible customer service, ACTUALLY affordable insurance coverage, and an easy process.

    Julia LaFosse Avatar Julia LaFosse
    March 30, 2023

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