Small Business Insurance Chelsea MA

This page provides relevant content and local businesses that can help with your search for information on Small Business Insurance. You will find informative articles about Small Business Insurance, including "Insurance For Your Small Business". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Chelsea, MA that can help answer your questions about Small Business Insurance.

Primerica Financial Services
(617) 327-9109
1291 Plainfield
Brookline, MA
 
AIG/ American International Companies
(617) 457-2700
99 High Street, 31st Flr.
Boston, MA
 
John Hancock Financial Services
(617) 663-3000
601 Congress Street
Boston, MA
 
Licata Kelleher Risk & Insurance Advisors, Inc.
(617) 451-2140
137 South Street, Ste. 3
Boston, MA
 
William Gallagher Associates Insurance Brokers, Inc.
(617) 261-6700
470 Atlantic Avenue
Boston, MA
 
Safety Insurance Group, LLC
(617) 951-0600
20 Custom House Street
Boston, MA
 
Licata Risk Advisors
617-451-2140 x312
137 South Street
Boston, MA
Services
Risk management consulting, insurance advisory

Chubb Group of Insurance Companies
(617) 439-4440
One Financial Center
Boston, MA
 
National Association for the Self-Employed
(781) 405-5225
22 Sewall Street, Unit 2
Somerville, MA
 
MTA Benefits, Inc.
(617) 557-6607
20 Ashburton Place
Boston, MA
 

Insurance For Your Small Business

One of the biggest mistakes small business owners often make is not insuring their business, not getting the proper insurance, or under-insuring their business. Work with both your accountant and your insurance agent to ensure that you make the right choices. Business insurance falls into two categories: Insurance that protects your business, and insurance that protects you and your employees. You will need to take a look at both categories to ensure that you have covered all the bases.



The first type of policy to look at for your business is a Standard Business Owners Policy (BOP). This type of policy encompasses several different types of coverage, and offers the best overall protection for your business. A standard business owner’s policy typically covers property damage, liability, and loss of income due to business interruption. Have your accountant go over the BOP that your insurance agent offers to make sure that it has the coverage that you need.

Business Owners Policies do not cover all of your small business insurance needs - the next type of insurance to look at is automobile insurance. This insurance should cover any vehicles used in the course of your business, such as delivery vehicles and company cars. Automobile Liability insurance is required in most states, for both personal and business vehicles.

A standard business owners policy may include coverage for your equipment, however, if it does not, you will probably want to get a policy that will cover the equipment. For equipment that doesn't fit into other types of coverage, you can purchase a specialized equipment coverage policy. Present a list of the equipment you need coverage for to your insurance agent to find out what equipment can be covered by the different policies available.

For yourself, you will need health insurance, disability insurance, and life insurance. You can also try to find a group insurance package that will enable you to offer thes...

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