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Business Insurance Services Methuen MA

There are several types of essential insurance coverage every Methuen MA small businesses needs. Commercial insurance is crucial, it protects you from commonly experienced losses including property damage, theft, liability and employee injury. With adequate insurance, companies can more easily recover from these types of losses. Without it, you risk going out of business.
Business Owner's Policy

BOP is a special type of commercial insurance designed for small and medium-sized businesses.

By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies.

Most policies require that businesses meet eligibility criteria to qualify.

Workers' Compensation

Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to a businesses employees injured in the course of employment.

Terms can be made for weekly payments in place of wages, compensation for economic loss, reimbursement or payment of medical expenses and benefits payable to the dependents of workers killed during employment.

General Liability & Professional Liability

Liability insurance is designed to offer specific protection against third-party insurance claims, therefore, payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract.

In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made the insurance carrier has the duty to defend the insured.

Business Owners Policy Insurance

A packaged up combination of Liability and Property Insurance. Specific coverage included in a business owner's policy (BOP) varies among insurance providers but it's essential for small businesses. Most small to medium sized businesses qualify but some policies require that businesses meet eligibility criteria to qualify.

Workers' Compensation Insurance

Getting hurt on the job is a bad situation for everyone involved, but it happens a lot more often than you might think. It's estimated that more than 4 million people experience an injury at work each year.

Workers’ Comp can help cover medical bills and lost wages if you or an employee experience a workplace injury.

General Liability Insurance

Liability insurance (also called third-party insurance) is part of the general insurance system of risk financing to protect the insured from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.

Professional Liability Insurance

Professional Liability Insurance, also called Errors & Omissions Insurance is a type of insurance that covers different types of professionals like Accountants, Architects, Engineers and Consultants. It protects you from unsatisfied clients.

Professional liability insurance is designed for businesses that make a living off their expertise.

Property Damage Insurance

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance or boiler insurance.

Commercial Auto Insurance

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance or boiler insurance.

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