Business insurance for local businesses
From contractors and restaurants to shops and landlords, we help local business owners get the coverage they need without paying for what they don’t.
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What business insurance can cover
Every policy is built around you. Your agent will walk you through each option and what it costs.
General liability
Covers injuries and property damage to customers or the public caused by your business.
Business owner’s policy
Combines liability and property coverage in one policy, often for less than buying them separately.
Commercial auto
Covers vehicles used for work, from a single van to a fleet.
Workers’ compensation
Pays medical bills and lost wages for employees hurt on the job.
Commercial property
Protects your building, equipment, tools and inventory.
Professional liability (E&O)
Protects against claims of mistakes or negligence in the services you provide.
Builder’s risk & vacant property
Coverage for new construction, renovations and properties sitting empty.
Equipment breakdown
Pays to repair or replace equipment that breaks down, and the business you lose while it’s down.
Event insurance
Liability coverage for one-time events, from parties to fundraisers.
Companies we quote for business insurance
We compare rates from several companies so you get the best fit, not just one price.
And more. Ask your agent which companies fit your situation.
Built for the businesses in our community
Contractors and trades, restaurants, retail shops, salons, landlords, offices and more. Whether you’re just starting out or have a growing team, your agent will match the coverage to how your business actually runs.
We work with businesses across Western Massachusetts and Connecticut, including West Springfield, Springfield, Agawam, Westfield, Holyoke, Chicopee and South Hadley.
Ways to keep your premium down
Your agent looks for savings that fit how your business works. Depending on the insurance company, options can include:
- Combining coverage into a business owner’s policy
- Insuring business vehicles and property with the same company
- Safety programs and training for employees
- A strong claims history
- Choosing deductibles that fit your cash flow
- Reviewing coverage every year as your business changes
Covered in three steps
Tell us what you need
Fill out the quick form or call us. It takes about a minute.
Your agent finds your options
A local agent compares rates from multiple insurance companies and finds the best fit for you, usually the same day.
You’re covered
Pick the policy you like and you’re set. Your agent is a phone call or text away whenever you need them.
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Frequently asked questions
Is workers’ compensation required?
Massachusetts and Connecticut both require most employers to carry workers’ compensation, even with only one employee. Your agent will confirm what applies to your business.
Does my personal auto policy cover my work vehicle?
Often not. If a vehicle is owned by the business or used mainly for work, you likely need commercial auto coverage. Ask your agent to review how you use your vehicles.
What is a business owner’s policy?
A business owner’s policy, or BOP, bundles general liability and commercial property coverage in one policy. It’s a cost-effective starting point for many small businesses.
I need a certificate of insurance for a job. Can you help?
Yes. Call or text your agent with the details of who needs the certificate and we’ll take care of it.
What information do I need for a quote?
Your type of business, annual revenue, number of employees, any vehicles used for work, and your current policy if you have one.
Other coverage we offer
Auto
Cars, trucks, motorcycles, ATVs, boats and RVs. Liability, full coverage and multi-car discounts.
Auto insurance →Homeowners
Homeowners, condo, renters and landlord policies, plus umbrella and valuables coverage.
Homeowners insurance →Life
Term and whole life coverage so your family is taken care of, no matter what.
Life insurance →Bundle & Save
Combine homeowners and auto with one agent and one bill, and save on both.
See bundle savings →Protect the business you’ve built
Get a free business insurance quote, or call to talk to an agent now.