Business Insurance

Insurance companies are constantly adding eligibility criteria, coverage options, discounts & credits. Our agency gets the whole story from the client to determine which company best suits their individual needs.

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More information on New Bedford and Fall River Business Insurance

Businessowners Policy / Package Insurance

If you own a business, large or small, we have a market for your business insurance needs. As an independent agent, we represent several fine companies.

Each business has very unique commercial insurance requirements. Our staff will determine what types of coverage are appropriate for your risk and type of business. There are literally hundreds of coverage options available. Let us tailor your business insurance to protect your assets.

We provide coverage for most classes of business such as:
  • Retail stores
  • Restaurants
  • Manufacturing
  • Wholesale
  • Offices
  • Beauty Salons
  • Hair Salons
  • Barbershops
  • Auto Dealers
  • Nail Salons
  • Fitness Studios
  • Gyms
  • Service organizations
  • Apartments
  • Condominium Associations
  • Malls
  • Clothing Store
  • Convenience Store
  • Delicatessens
  • Electronics stores
  • Child Care
  • Lawn Care
  • Laundromats
  • Liquor Stores
  • Funeral Homes
  • Churches
  • Vacant Property
  • Gas Stations
  • Gift shops
  • Grocery Stores
We also offer business insurance to contractors in Fall River and New Bedford, such as:
  • Plumbers
  • Carpenters
  • Electricians
  • Masonry
  • HVAC
  • Cleaning Services
  • Carpet Cleaning
  • Dry Wall Installation
  • Excavation
  • Grading of Land
  • Handyman
  • Janitorial
  • Landscape Gardening
  • Snow Plowing
  • Roofing
  • Insulation
  • Painting
  • Paperhanger
  • Septic Tank Cleaning / Installation
  • Tree Pruning
  • Floor Covering
  • Appliance – sales / service
  • Exterminators
  • Heating
  • Air Conditioning
  • Siding Installation
  • Many, many others.

Workers Compensation Insurance

Workers Compensation insurance covers you and your employee if you or an employee is hurt at work. Whether you have 1 employee or 1,000, we can write a policy for you. Rates are based on gross payroll and would be audited at the end of the policy period. Rates are generally set by the state by your class of business. We have a few companies that will deviate from these rates to offer you a less expensive alternative.

Contractors Equipment Floater

If you are a contractor with large equipment such as: bulldozers, excavators, or bob cats, or a small contractor with a trailer full of tools, a Contractors Equipment Floater will cover your equipment.

Commercial Auto Insurance

A commercial auto policy will cover all of your business’s vehicles. From private passenger vehicles, delivery vehicles or large trucks, this policy will be specifically designed to suit your needs. Coverage options include Non-Owned & Hired Auto and Drive Other Vehicle endorsements are available.

Commercial Umbrella Liability

No business should be without an umbrella liability policy covering over your primary policies. An umbrella can be purchased from 1 million to multi millions to protect your businesses assets. The umbrella can cover over your General Liability, Workers Compensation and Commercial Auto policies. One large lawsuit could put you out of business. Do not skimp on your liability insurance.

Professional Liability Insurance

Professional liability insurance has many names and types. Medical Malpractice insurance for medical professionals such as doctors, physicians, chiropractors and dentists covers their malpractice insurance. Errors and Omissions or E&O insurance covers professionals for any error or omission in their work.

We provide Professional Liability to businesses such as:

Real Estate Agents, Travel Agents, Software designers, Internet Services, Web Hosting, Social Media, etc. Information Security and Privacy Liability covers your business for data breaches, negligence or identity theft of customer’s personal or private information, such as credit card or social security information. Other types of policies include: Environmental or Pollution liability, Architects & Engineers Liability, Directors & Officers, Condominium Associations, Employment Practices Liability, Allied Medical – such as adult day care, alcohol and drug rehab, acupuncturists, ambulance, assisted living and nursing homes, chiropractors, counseling, health and fitness training, home health agencies, massage therapists, medical laboratories, nurse practitioners, optometrists, physical or speech therapy, registered nurses (RN’s), social services, substance abuse centers, surgicenters and many others.

Liquor Liability Insurance

Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk. Liquor liability insurance protects your company against loss or damages claimed as the result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then you need liquor liability insurance coverage. The State of Massachusetts under a newly passed piece of legislation requires that all entities that hold a liquor license carry liquor liability insurance.
As your agent we can answer any questions you may have about insuring liquor liability for your bar, grill, tavern, package store, supermarket, club, restaurant or temporary events. We can tailor make a total business package policy for your specific business that includes liquor liability or write a stand-alone liquor liability policy for you.

Boiler & Machinery / Equipment Breakdown

This form of insurance provides important mechanical breakdown coverage generally not available under any other insurance policy. A boiler and machinery policy can protect an insured against the effects of catastrophic property loss, such as steam boiler explosion or an expensive breakdown of machinery and equipment.

It is not just the physical damage caused by the explosion or breakdown that’s of concern. While repairs are being made, valuable time and profits are lost. Business interruption coverage protects against this. Often, extra expense coverage is required to keep the business in operation regardless of cost.

Consequential Damage and Refrigeration Interruption insurance protects against spoilage as the result of a breakdown. Many times these business interruptions, extra expense and spoilage losses can be much more extensive than the damage to the equipment itself.

Equally important is the valuable inspection service that boiler and machinery insurance provides. Not only does this service satisfy most jurisdictional inspection requirements, but it also benefits the insured by providing sound loss control recommendations that can help assure efficient operation and longer equipment life.

Bonds / Surety

A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation.

We sell many types of bonds, such as:
  • License & Permit Bonds
  • Contract Bonds
  • Bid Bonds
  • Fidelity
  • Probate
  • Business service bonds

Most bonds can be issued immediately from our office.

Let Our Agency Customize a Quote For You