Liability Insurance Massachusetts

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Liability Insurance Massachusetts Policy Information

Liability Insurance MA

Liability Insurance Massachusetts. In some situations, a person or business may unwillingly cause a person or party to be injured or damaged. If the affected person claims the damage, the individual or organization may undergo financial loss. For example, a mail carrier may slip on your icy driveway and get injured. He can sue you for pain, suffering, medical expenses and lost income. A customer gets sick from using one of your products and takes your business to court. You accidentally ideure someone while driving and wind up in court, paying substantial legal bills.

No one is immune from such occurrences. Without adequate liability insurance Massachusetts coverage, they can cause devastating effects to your business or career.

Liability insurance Massachusetts protects your company from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

With court awards and legal fees getting more and more expensive, it is vital for everyone to get liability coverage from a trusted liability insurance Massachusetts provider. The insurer's duty is to defend you and cover legitimate claims posed against you up to a certain limit. All costs including your defense costs and the cost of settling claims are covered, and this provides you with invaluable peace of mind.

Liability insurance Massachusetts protects you against loss if your actions, negligence, or a condition of your property causes injury or death to a person or property belonging to another person is damaged or destroyed. Without liability insurance, you would be on your own if you are found legally responsible for any number of reasons.

Below are the types of liability insurance Massachusetts businesses and professionals need to have:

Workers Compensation Insurance

According to MA law, employers in Massachusetts are responsible for the safety of their employees whenever they are at work. An employee may get injured while they work, or a former employee becomes ill due to the work they did while on your employment. Such employees may sue you or your organization and claim compensation if they believe that you are responsible. Employers' liability insurance Massachusetts ensures that you are protected from financial loss due to such claims. However, if your employee gets injured due to a motor accident, you may be covered by your motor insurance against any compensation claims. Employee liability insurance is compulsory in MA for any employees of a business that are not owners, and you can be fined for not having a current insurance policy that complies with MA state laws.

Public Liability Insurance

Public liability insurance covers an individual, business, a contractor or even a community building from any costs of legal action if they are found responsible for injury or death of a person, or loss or damage of property. It covers you from claims made by members of the public or other businesses against you, but your employees can't sue you. Unlike employers' liability, public liability insurance Massachusetts is not compulsory in most cases.

Nevertheless, businesses in all industries are recommended to have a public liability cover if there is a likelihood of being sued for negligence. In some cases, it is mandatory. For example, licensing authorities may require a business to have it to hold public events. This type of cover does not help you if you are involved in known criminal actions or hazardous activities.

The popularity of public liability insurance Massachusetts is increasing, and it may be included in insurance policies. If you find out that you are covered for public liability in other insurance products, ensure that the amount you are covered is enough.

Product Liability Insurance

According to government statistics, defective and dangerous products cause thousands of injuries annually in the United States. Responsibility for such injury may be distributed among all people who are involved in the product chain. Parties exposed to product liability claims include the manufacturer, importer or distributor, the party who assembles and installs the products, the wholesaler and the retail store from which the customer got the product.

If you manufacture, import, sell or distribute products in MA, you should have product liability cover from your liability insurance Massachusetts company of choice. It covers you for any damage or injury that may be caused by the use of your products. People who believe that they have been harmed by your product can sue you without having to prove that you were negligent or had the intention to cause harm.

Product liability insurance may also cover for claims made by a customer if they are harmed by the lack of adequate instruction on the use of a product. These claims might even be due to failure to warn on your product label. Therefore, this type of insurance is vital to any business that manufactures or distributes products.

Professional Indemnity

Regardless of how many years of experience you or your firm may have, there is a possibility that one day you or one person in your team will make a mistake. It might be professional negligence, loss of data, unintentional breach of confidentiality or defamation.

Professional indemnities (also know as errors and omissions (E&O) and professional liability) are designed to protect professionals such as doctors, lawyers, chartered accountants, architects, etc... from legal liabilities to pay for any damage caused by their negligence as they perform their professional duties. Someone may sue you if he/she suffers a loss after applying your professional advice or receiving your service. Different types of professional indemnities are designed for different professions. For instance, the medical profession has medical insurance indemnity as a requirement for professional registration or licensing.

With respect to industry bodies regulatory requirements, professional indemnity liability insurance Massachusetts is mandatory especially for professionals such as accountancy, surveying, engineering to name but a few. Also, professionals working on contract terms such as IT consultants, business and management consultants will certainly need PI insurance to get a contract. However, large or small a professional business is, without PI insurance the business is left vulnerable to financial and reputation compromise.

Why You Need MA Liability Insurance

Even if you are not legally obliged to have liability insurance Massachusetts, without it you are at risk of paying thousands if not millions of dollars in compensation and legal fees whenever suit is brought against you in court. This is in addition to the opportunity cost of lost time and resources when you are defending the allegations against you. There are many listed liability insurance Massachusetts companies that can provide you with adequate liability cover for your business and profession. You need it sooner than later so that you can edeoy peace of mind as you focus on providing your customers with the best products and services and growing your business.

MA Small Business Insurance By Industry And/Or Type

Select the Massachusetts general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about Massachusetts media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about MA agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on Massachusetts arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about Massachusetts auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about MA aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what Massachusetts commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on Massachusetts commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about Massachusetts construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your MA construction business from lawsuits.


Contractors and Home Improvement

Learn about Massachusetts contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your MA business from lawsuits.


Education, Colleges, Universities & Schools

Learn about Massachusetts commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Food and Drink

Learn about Massachusetts restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about Massachusetts health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Massachusetts IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Local, State And Federal Government

Discover what types of commercial insurance government entities in Massachusetts need.

Manufacturing

Learn all about Massachusetts manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Massachusetts need.

Medical and Dental

Discover Massachusetts business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous MA businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Massachusetts non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about Massachusetts professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about Massachusetts real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Massachusetts retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about Massachusetts commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with MA commercial insurance. Read informative articles on Massachusetts small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about Massachusetts sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about Massachusetts warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on Massachusetts wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Massachusetts Specific Commercial Insurance Articles

Read informative articles on MA commercial insurance including costs and coverages.




Massachusetts Economic Data, Regulations And Limits On Commercial Insurance

Made In Massachusetts

If you are thinking about starting a business in the Massachusetts, it's important that you have an understanding of the economic trends and commercial insurance requirements in the state before you set up shop.

Economic trends are important, as they indicate whether or not the area offers a strong economy that will be able to support your business. You also need to know what type of commercial insurance you'll need to carry so that you can plan accordingly and ensure that you are complaint with the law.

To help you determine if the Bay State is the right location for the business you are thinking about opening, below, you'll find an overview of MA's current economic trends, as well as the types of insurance policies you'll need to carry.

Economic Trends For Business Owners In Massachusetts

Unemployment rate is a good indicator of a state's economy. The lower the rate, the more job opportunities there are, which is direct reflection of the health of businesses.

As per the Bureau of Labor Statistics, the unemployment rate in Massachusetts was 2.8% in December, 2019. That's 0.7% lower than the national average, which was 3.5% in December, 2019. This indicates that the state offers a strong workforce and that there are enough jobs to support the residents of the state.

While regions throughout the area are seeing business growth, there are certain areas in particular that are seeing more growth than others. This includes large metropolitan areas and the regions that surround them, including:

  • Boston
  • Brockton
  • Cambridge
  • Lowell
  • New Bedford
  • Newton
  • Quincy
  • Springfield
  • Worcester

Several industries are doing very well in the state of Massachusetts; however, there are particular sectors that are seeing more growth than others and are truly thriving in this part of the country. These industries include:

  • Advanced manufacturing
  • Commercial fishing
  • Education
  • Financial services
  • Hospitality tourism
  • Information technology
  • Medicine and life sciences

If you are thinking about starting a business in any of these industries, chances are good that you will find the success you are looking for in the state of Massachusetts.

Commercial Insurance Requirements In Massachusetts

The Massachusetts Division of Insurance regulates insurance in MA. Massachusetts mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Massachusetts requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors, but employees in domestic service must be covered if they work at least 16 hours a week.

Massachusetts also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Liability Insurance Massachusetts quote in Acton, Agawam Town, Amherst, Andover, Arlington, Attleboro, Barnstable Town, Belmont, Beverly, Billerica, Boston, Bourne, Braintree Town, Bridgewater, Brockton, Brookline, Burlington, Cambridge, Canton, Chelmsford, Chelsea, Chicopee, Concord, Danvers, Dartmouth, Dedham, Dracut, Easton, Everett, Fall River, Falmouth, Fitchburg, Framingham, Franklin Town, Gardner, Gloucester, Haverhill, Hingham, Holyoke, Hudson, Lawrence, Leominster, Lexington, Lowell, Ludlow, Lynn, Malden, Mansfield, Marblehead, Marlborough, Marshfield, Medford, Melrose, Methuen Town, Middleborough, Milford, Milton, Natick, Needham, New Bedford, Newton, North Andover, North Attleborough, Northampton, Norton, Norwood, Peabody, Pittsfield, Plymouth, Quincy, Randolph, Reading, Revere, Salem, Sandwich, Saugus, Shrewsbury, Somerville, Springfield, Stoneham, Stoughton, Sudbury, Taunton, Tewksbury, Wakefield, Walpole, Waltham, Wareham, Watertown Town, Wellesley, West Springfield Town, Westborough, Westfield, Westford, Weymouth Town, Wilmington, Winchester, Woburn, Worcester, Yarmouth and all other cities near me in MA - The Bay State.

Also find Massachusetts insurance agents & brokers and learn about Massachusetts small business insurance requirements for general liability, business property, commercial auto & workers compensation including MA business insurance costs. Call us (617) 902-0099.

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Disclaimer
Disclaimer
The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.

General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue.
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