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.
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.
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.
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 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.
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.
- 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
Looking for other Insurance coverage?
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.
March 30, 2023
3 Questions to Ask When Shopping for Homeowners Insurance
Whether you’re buying your first home, moving to a different house, or need to find a new insurance policy for your home, buying insurance for your personal property is serious business. There are a lot of factors to consider. Price and coverage are the first things to come to mind, but there are many other
How to Get Car Insurance with Poor Insurance Payment History
Sometimes, getting insured so you can hit the open road is more difficult than it ought to be. If you have a poor insurance payment history or a less-than-stellar driving record, you may have fears of being rejected, or you might be hesitant to shop for a new plan. Not to worry, though, because A-Affordable
Apartment Safety Check
It is fall in New England so the days are getting shorter and the nights a little bit longer. While this may evoke pleasant memories of pumpkin spice lattes, hot apple cider, and a crackling fireplace, it’s also a good time to double- check the security measures you have in your apartment. According to the FBI’s