Massachusetts General Liability Business Insurance

General Liability Insurance Protection

The agents at Loughlin Insurance are here to assist you when you need Massachusetts General Liability Insurance. Massachusetts general liability insurance is required by the state for most business owners. From a slip and fall accident in your parking lot to injuries resulting from using your product, your general liability policy covers expenses related to out-of-court settlements, litigation, and court judgments. As a business owner, being properly insured is critical to protecting your company.  Loughlin Insurance will help you choose the right insurance for your company.

General Liability coverage is designed to protect MA business owners from direct or indirect damages to another party. Your liability insurance helps pay for damages caused by the actions of your business or employees. Massachusetts general liability coverage pays for property damage and personal injuries involving customers, visitors and sub-contractors. Business owners in Massachusetts have a choice regarding insurance deductibles and policy limits within their coverage.

General Liability Insurance coverage usually includes:

  • Property Damage, Data Loss, or Bodily Injury
    This coverage could include claims expenses if you injure a third-party or damage someone else’s property. Fire damage at a physical location you rent for your business is covered under this policy. Data loss or computer damage due to an accident would be covered under your GL policy, which could cover the costs associated with recreating the lost data.
  • Medical Payments
    Medical payments resulting from any bodily injury you may be held legally responsible for.
  • Defense Costs
    Attorney representation to defend your company regardless of fault.
  • Personal & Advertising Injury
    If you’ve been sued for libel and slander, the Loughlin Insurance Agency could help provide claims coverage.

Being prepared, expecting the unexpected, protecting your assets, protecting your property, and protecting your reputation are only a handful of reasons to speak to an experienced insurance agency like Loughlin. Loughlin Insurance has been in business for over 30 years and has your company’s best interests in mind. Just like businesses, business insurance comes in all different sizes.

Small business insurance should help you protect your company’s property, your income, and liability claims against you.  A general Business Owner’s Policy combines coverages for business property, general liability and business income insurance in a single policy.

Do you have specific questions or need to reach a business insurance agent? Our agents will be happy to talk to you Monday through Friday from 8:30 am to 5:30 pm. Our agents will work with you to assess the risks your business may face and help you select coverages that suit your needs. We help you manage your risks so you can protect your small business and focus on long term business growth and success. We invite you to call us: 781-341-9010.

General Liability Business Insurance | Massachusetts | Loughlin Insurance

Massachusetts Small Business Insurance

Massachusetts Small Business Insurance

Loughlin Insurance will help you choose the right small business insurance for your company. Once you open your business, it is important that you protect your assets with the appropriate coverages that will keep your doors open should something happen.

Being prepared, expecting the unexpected, protecting your assets, protecting your property, and protecting your reputation are only a handful of reasons to speak to an experienced insurance agency like Loughlin. Loughlin Insurance has been in business for over 30 years and has your company’s best interests in mind. Just like small businesses, small business insurance comes in all different sizes.

Small business insurance should help you protect your company’s property, your income, and liability claims against you.  A general Business Owner’s Policy combines coverages for business property, general liability and business income insurance in a single policy. At Loughlin, we offer specialized policies that include:

  • Commercial Property Insurance
  • General Liability Insurance
  • Excess Liability Insurance
  • Commercial Vehicle Insurance
  • Workers Compensation Insurance
  • Bonds
  • Directors and Officers Insurance
  • Employment Practices Liability Insurance
  • Group Benefits

Were you aware that most small businesses that experience an interruption in service do not reopen? What would you do if a disaster forced your doors to close and loss of income put you out of business? Preparing for unforeseen circumstances is what small business insurance is all about. Having the right business insurance coverage – and the right insurance agency – may be the one thing that will keep you in business should you get sued, experience a disaster or vandalism, or endure a period when business is interrupted.

Whatever your coverage needs, Loughlin Insurance can help you find the right insurance for your small business. Our agents will work with you to assess the risks your business may face and help you select coverages that suit your needs. We help you manage your risks so you can protect your small business and focus on long term business growth and success. We invite you to call us: 781-341-9010.

 

Small Business Insurance | Massachusetts | Loughlin Insurance

Commercial Property Insurance – MA

Loughlin Insurance Agency Provides Commercial Property Insurance for Massachusetts Businesses

Investing in a Massachusetts Commercial Property Insurance policy protects  your property should a catastrophe occur. Commercial Property Insurance protects your small business beyond the scope of your Business Owner Policy. Whether you own or lease commercial property, Loughlin Insurance offers a variety of options that meet your coverage needs. Many small business owners are under the impression that their business owner policy provides all the coverage they will need to protect their property.

commercial property insurance

Whether you own a building structure, equipment, inventory, stock, furniture or fixtures, you have commercial property to protect. Remember, it’s not just your building. How will you replace your property in the event of a fire, theft, or severe storm? A catastrophic loss could close down your business temporarily or indefinitely. If you have equipment that is often taken off-site we can show you options for securing those items as well.

The agents at Loughlin are extremely knowledgeable about the products and coverage that building owners and property managers require. Using our experience and expertise, we will design a solid plan to ensure you return to business as usual as quickly as possible in the event of a catastrophe such as fire, flood, power loss or theft. The Loughlin Insurance team will be your insurance partners. Our professional agents are thoroughly dedicated to the continuity of your business and your continued success.

At Loughlin Financial Group we will customize a commercial property insurance policy to your specifications, either as a standalone policy or as part of a package. Our commercial property insurance policy in Massachusetts may include coverage for:

    • Structure (building)
    • Furniture
    • Equipment
    • Lost inventory
    • Landscaping
    • Signs
    • Loss of income
    • And more…

Contact Loughlin Insurance today, and gain piece of mind knowing we can help you protect your business. CALL US TODAY! 781-341-9010.
 

Commercial Property Insurance | Massachusetts | Loughlin Insurance

General Liability Insurance – MA

Massachusetts general liability insurance is required by the state for most business owners. General Liability coverage is designed to protect MA business owners from direct or indirect damages to another party. Your liability insurance helps pay for those damages caused by the actions of your business, or the actions of your employees. Massachusetts general liability coverage pays for property damage and personal injuries involving customers, visitors and sub-contractors. Business owners in Massachusetts have a choice regarding insurance deductibles and policy limits within their coverage.

Depending on what products and services your business offers, you may be even more liable for incidents on your property or resulting from your product. In the event that an incident does take place, having general liability insurance can help insure your business and business possessions won’t be at risk. Unfortunately, no matter what sector your business falls under, there is always a risk for lawsuits. Having general liability insurance can help cover some legal and financial hits your company may take in the event of an unexpected accident.

On the most basic level, your General Liability policy covers against lawsuits alleging bodily injury, personal injury and property damage due to negligence on the part of the insured. So if you do something wrong that wasn’t intentional and someone is hurt or their property is damaged – then your liability policy will kick in. When you put in a claim, your insurance company will respond by defending you and by paying damages.

Today the chances of your business being sued have dramatically increased in the last decade. Having an affordable general liability insurance policy can help prevent a lawsuit from turning into financial devastation for your company or organization.

General liability insurance in Massachusetts can provide coverage for:

  • Bodily Injury– Including the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage– Including physical damage to property or the loss of use of that property.

liability insurance

Think of all the time, energy and money you have put into your small business to help it grow and succeed. While your basic Massachusetts business insurance gives you liability coverage, it may not be enough. Your small business General Liability insurance policy can also provide protection for covered losses sustained due to fire, theft, and vandalism. Don’t let your Massachusetts company go without this essential coverage. You never know when an unexpected incident could occur.

Contact Loughlin Financial Group today and let us meet all your general liability insurance needs with comprehensive coverage at competitive rates.

General Liability Insurance | Massachusetts | Loughlin Insurance

Workers Compensation Insurance for Small Business – MA

Loughlin Insurance Agency Provides Workers Compensation Insurance for Small Businesses in MA

Small Business owners in Massachusetts can trust Loughlin Insurance for the Workers Compensation Insurance they need. Workers compensation is a statutory obligation that relates to expenses provided to your employees resulting from on-the-job injuries and/or illnesses. These laws were created to protect employees who are injured on the job. The Commonwealth of Massachusetts establishes comprehensive and specific benefits that must be provided to employees who suffer an on-the-job injury.

In most states, if you have employees, you are required to have workers compensation insurance coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

In Massachusetts, an ’employee’ includes every person in the service of another under any contract of hire, express or implied, oral or written, with a few exceptions. [MGL 152, § 1 (4) ] Notable exceptions include seamen engaged in commerce, salesmen of real estate or consumer goods who work on commission, some taxi drivers, and persons engaged in interstate/foreign commerce who are covered by federal law for compensation for injury and death.

Having workers compensation insurance in Massachusetts protects employers from lawsuits resulting from workplace accidents. The insurance pays medical care and compensation for lost income to employees hurt in workplace accidents. No matter how safe you think your workplace is, you need workers compensation insurance to ensure that even one accident doesn’t turn into a major loss for your company.

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.  Get your small business the protection you need – for your company and your employees. If you’d like to learn more about Workers Compensation Insurance, the professional agents at Loughlin Financial Group are here to help. Call 781-341-9010 today.

If you are concerned about the safety of your own workplace, The Department of Labor Standards offers a free consultation service to help employers with workplace safety compliance and training.

workers compensation insurance

Contact Loughlin to learn more today!

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Workers Compensation Insurance for Small Business  | MA | Loughlin Insurance

Employment Practices Liability Insurance – MA

employment practices liability insurance

Employment Practices Liability and Your Small Business

If you are a small business in Massachusetts that has employees, you need Employment Practices Liability Insurance. As more and more employees make claims against employers, purchasing employment practices liability insurance has never been more necessary. EPLI covers companies against lawsuits or claims filed by employees, former employees and employment candidates. This coverage may be purchased as additional coverage under a Business Owner Policy.

Employment practices liability insurance or EPLI can protect your Massachusetts business from discrimination, harassment, wrongful termination, and other types of employee-related claims. EPLI claims can take numerous forms, such as:

  • Discrimination
  • Emotional distress
  • Invasion of privacy
  • Negligent hiring or promotion
  • Sexual harassment
  • Other forms of harassment
  • Retaliation
  • Wage disputes
  • Wrongful Termination
  • And more…

You may provide a good working environment, but can you really afford to be without EPLI? Many laws govern how employers are to treat employees and job applicants. Failing to be compliant with all the regulations can have significant financial consequences. Let the professional business insurance agents at Loughlin Financial Group craft an EPLI policy that helps truly protect your Massachusetts business from these types of claims. Call Loughlin Insurance at 781-341-9010 today.

 

Employment Practices Liability Insurance | MA | Loughlin Insurance

Massachusetts Business Insurance

Does your company have adequate Business Insurance? Loughlin Financial Group would like to talk about protecting your Massachusetts business. We offer general business coverage as well as more specialized policies, namely:

  • Commercial Property Insurance – Protects your building, equipment, inventory, furniture, landscaping, loss of income.
  • General Liability Insurance – Bodily injury, restitution for death; property damage or loss of use of that property.
  • Excess Liability Insurance – Umbrella insurance – protects against a catastrophic loss, covers legal costs.
  • Commercial Vehicle Insurance – Covers your vehicles and your employees from property and liability issues.
  • Workers Compensation Insurance – Protects employees from workplace accidents, medical care and compensation for lost income for those that have been injured while on the job.
  • Bonds – Contract Bonds, Maintenance Bonds, Payment Bonds, Performance Bonds, Surety Bonds.
  • Directors and Officers Insurance – Protects against wrongful acts made by board directors and executives.
  • Employment Practices Liability Insurance – Protection against discrimination claims, wage disputes, sexual harassment, emotional distress, negligent hiring or promotion.
  • Errors and Omission Insurance – Malpractice or professional liability insurance.
  • Group Benefits – Health, Retirement, Workers compensation, Dental, and voluntary products.

Your business is your financial life line. With all you have invested in your Massachusetts business, you owe it to yourself to protect your interests. Ask Loughlin Insurance how we can help. Call 781-341-9010 today.

Business Insurance | Massachusetts | Loughlin Insurance

Business Liability Insurance – MA

Now more than ever it is important to protect your business from liability claims with General Liability Insurance.  We are the Loughlin Financial Group, and we would like to suggest you talk to us about a General Liability Insurance policy that will cover losses arising from real or alleged bodily injury, death, fire, theft, vandalism and property damage. When you least expect it, your company may be hit with a liability lawsuit. Loughlin Insurance can get you the coverage you need to protect your business from claims that can arise from your business operations. We live in a litigious society, and lawsuits against businesses have dramatically increased over the past decade. Do not allow one lawsuit to lead to financial ruin.

Having an affordable general liability insurance policy will give you peace of mind. Work with the knowledgeable and courteous staff at Loughlin Insurance to determine your small business insurance needs. Loughlin Insurance has been in business for over 30 years and has your company’s best interests in mind. We help you manage your risks so you can protect your small business and focus on long term business growth and success. We invite you to schedule a consultation: call 781-341-9010.

 

Business Liability Insurance | MA | Loughlin Insurance

Small Business Insurance – MA

We would like to talk to you about protecting your assets with small business insurance. You opened your small business in Massachusetts because you saw a market for your products and services, you did your homework, procured financing, decided on the optimal location, furnished your offices, wrote your company policy manual, hired your staff, and opened your doors. Have you thought about how you are going to protect your investment should something go wrong?

We are the Loughlin Financial Group, and we invite you to call us about a Small Business Insurance policy that will keep your company running should a disaster occur. Being prepared, expecting the unexpected, protecting your assets, protecting your property, and protecting your reputation are only a handful of reasons to speak to an experienced insurance agency. Loughlin Insurance has been in business for over 30 years and has your company’s best interests in mind.

Were you aware that most small businesses that experience an interruption in service do not reopen? It may or may not be a disaster that closes your doors. Think about the unprecedented hurricane damage that laid waste to so much property in the southern states just recently. What would you do if a disaster forced your doors to close and loss of income put you out of business? Preparing for unforeseen circumstances is what small business insurance is all about. Having the right business insurance coverage – and the right insurance agency – may be the one thing that will keep you in business should you get sued, experience a disaster or vandalism, or endure a period when business is interrupted.

Work with the knowledgeable and courteous staff at Loughlin Insurance to determine your small business insurance needs. We help you manage your risks so you can protect your small business and focus on long term business growth and success. We invite you to call us: 781-341-9010.

 

Small Business Insurance | MA | Loughlin Insurance