Dartmouth, MA features coastal beauty, historic charm, and laid-back living. It's part of the Farm Coast of New England: a stretch along the Atlantic Ocean that is home to a host of vineyards, farms, and original settlements. The town of 34,032 is a perfect place to start a small business due to loyal customers and unique opportunities. Massachusetts saw 615,775 small businesses employ 1,404,234 individuals in recent years.
That same year, businesses were paid $6,530,654 in losses — which is why you need an Independent Insurance Agent by your side. Minimize your risks, protect your Dartmouth business and get the support you need against the unexpected. Our agents will find you personalized, comprehensive commercial insurance that fits your budget. Liability coverage is the foundation for protecting your Dartmouth small business. Whether you spill coffee on a client's computer or a product causes an injury to a customer, the right insurance will lessen the financial blow and help you stay afloat.
- General Liability: The recent Travelers Business Risk Summary found that 60% of small-business owners ranked medical cost inflation as their highest concern and more than 30% said they felt the least prepared to handle this concern. Get peace of mind by purchasing comprehensive general liability coverage for any slips, falls or accidents that may happen on your property.
- Product Liability: According to a national study, 71% of product liability awards and 53% of medical malpractice awards by the courts amounted to $1 million or more. Product liability coverages helps you stay financially stable if a product malfunctions and causes an injury. Let an agent talk through why it's a smart way to protect financial assets and resources if a lawsuit occurs.
- Professional Liability: Lawyers, accountants, consultants, and architects need errors & omissions coverage. Any business that gives out advice regularly can easily face a lawsuit for negligence or personal injury, and professional liability can help deal with the associated costs.
Business Interruption Insurance for Dartmouth Businesses
Massachusetts' gross state product grew 1.6% in recent years — just 0.6% less than that of the recent GDP. Your Dartmouth small business not only impacts the state's economy but also impacts national success, which is why you need protection if you're forced to shut down your doors. Business interruption insurance compensates you for the revenue you would normally make when an unexpected catastrophe impacts your business. With this coverage, you stay financially stable and prevent loss of income.
Property Insurance for Dartmouth Businesses
With 119 natural disasters in recent years, you can't afford to skimp out when it comes to protecting your physical office or business location. Only 61% of losses were covered that year. Uncovered property damage totaled $9.7 billion. Considering Dartmouth's location on the coast, hurricanes and flooding are concerns that you should discuss with an agent. Your property insurance policy reimburses you for any repairs or rebuilding needed so you can get back up on your feet in no time.
Employee Coverages for Dartmouth Businesses
Your employees work hard to keep your business booming, so shouldn't you give them comprehensive health care coverage? The Bay State spent $1,061,981 on premiums in recent years, coming in as the 36th highest in the country, and the annual cost of health care for small businesses was $6,379 per person or $17,424 per family. Finding affordable employee coverages may be overwhelming, but an agent can find a personalized policy that works for your specific needs. Our agents can even find you affordable workers' compensation coverage. The average national cost may be $612 per employee, but your policy should be personalized based on your needs. Get set up with the protection you need to safeguard both your workers and yourself.
Cyber Crime Insurance for Dartmouth Businesses
If you aren't part of the 22% of small businesses that have a cyber breach plan in place, you could see the consequences. Considering that there were 5,116 identity theft complaints in Massachusetts in recent years — ranking it as the 25th highest in the country for those complaints — your Dartmouth business can't afford to be unprotected. Let an agent explain how a hacker could gain access to any kind of personal information and why you need proper cyber crime insurance coverage. Our Independent Insurance Agents are extremely familiar with the risks your small business faces. Walk through your commercial business insurance options with a local agent and receive various quotes to choose from.
Find a protection plan that fits your budget with the help of an agent today.