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Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Business & Commercial Insurance Information

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments, personal injury protection and coverage for uninsured and underinsured motorists. In fact, many business people use the same vehicle for both business and pleasure.

If the vehicle is owned by the business name, it goes on a commercial auto policy. Depending on what you use the vehicle for, sometimes even though the vehicle is owned by an individual, it can still be insured on a commercial auto policy.

For more information, call or email our office. To get started on a commercial auto quote, click on "get a quote" and fill out "commercial auto insurance quote" form and we will get back to you same or next business day.

Currently we represent Safety Insurance Co., Arbella Protection Insurance Co. and Progressive Ins. Co. for commercial auto insurance.

General Liability

General Liability pays losses arising from real or alleged bodily injury or property damage to others, on your business premises or arising from your operations.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.


Broad Range of General Liability Protection

  • Bodily Injury to others, including the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property.
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.
  • Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts.
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (autos, aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.

We have many companies who write General Liability, please call or email our office today for more information. For a quote, click on "get a quote" and fill out "general liability quote" form and we will get back to you same or next business day.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In Massachusetts, if you have employees, you are required to carry Workers Compensation coverage. The state does random inspections and can shut down any business not in compliance.

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance is purchased as a separate policy. please call or email our office today for more information. For a quote, click on "get a quote" and fill out "workers compensation quote "form and we will get back to you same or next business day.

   

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378 Main Street | Medford, MA 02155 | Phone: 781.396.3111 | Fax: 781.396.5140

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