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  2. Massachusetts General Liability Insurance

Massachusetts General Liability Insurance Policy Information

MA General Liability Insurance

Massachusetts General Liability Insurance. MA general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Massachusetts general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in MA.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Massachusetts general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your MA business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Massachusetts general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With MA general liability insurance, such issues are adequately handled.
  • General liability insurance for contractors, cheapest general liability insurance small business, cheap general liability insurance for contractors, commercial general liability insurance definition, general liability insurance cost for contractors, Massachusetts business insurance requirements, comprehensive general liability insurance and short term general liability insurance.

MA General Liability Insurance Cost

The cost of your Massachusetts general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

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.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Massachusetts financial institutions need to protect their asset management, deposit, lending, investment and other operations.


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.


Lodging Places

Find out what types of business insurance that Massachusetts hotels, motels and other lodging places should have to protect their varied operations.

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 Massachusetts General Liability Insurance 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 MA cities & Massachusetts counties near me in The Bay State.

Also find MA local small businesses by General Liability Class Code 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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