Haverhill Business Insurance

Your Complete Haverhill, MA Business Insurance Guide

Find the right business insurance policy for you.

Haverhill, MA is a bustling and desirable community for entrepreneurs and small-business owners alike. The city has come a long way from its roots as a farm town and now contributes heavily to statewide economic success. During previous years, 615,775 small businesses employed 1,404,234 individuals. Yet business owners were paid $6,530,654 in losses — showing the immense risk these companies face.

Luckily, our Independent Insurance Agents can help businesses find a Haverhill commercial insurance option that provides 360 degrees of protection. Whether a big storm causes roof damage or your product causes an injury, our local and friendly agents will ensure you're covered. Liability coverage is the most basic way to protect what you've worked so hard to achieve. A small incident like a slip or trip could set you back financially, which is why it's essential to have proper coverage. And depending on your unique business, other liability policies will apply just the same.

  • General Liability: The recent Travelers Business Risk summary found that 60% of all businesses said that medical cost inflation was their biggest concern and more than 30% said they were unprepared to handle this risk. Let an agent explain how general liability coverage protects you if a customer falls or an employee spills coffee on a client's computer.
  • Product Liability: Does your small business sell, produce or distribute a product? If your product malfunctions and causes injury or harm to a client, you could face a lawsuit. According to a national study, 71% of product liability awards and 53% of medical malpractice awards resulted in more than $1 million. Luckily, product liability coverage compensates you for associated legal costs so you can stay stable.
  • Professional Liability: Also known as errors & omissions, this coverage is designed for lawyers, architects, consultants and businesses that give advice to clients. If someone files a negligence claim against you, an agent can help you through the process and work through your policy to ensure your assets are safe.

Business Interruption Insurance for Haverhill Businesses

If a fire, unexpected storm or unsafe situation forces your small business to close its doors, business interruption insurance steps in and reimburses you for the profits or revenue you would normally make. Your Haverhill business contributes to the success of overall state and national economic success — just consider Massachusetts' recent GSP of 1.6% and the recent GDP of 2.2% — which is why you need this coverage. You can bounce back in no time, continue to keep your employees happy and feel peace of mind knowing you're protected in a bad scenario.

Property Insurance for Haverhill Businesses

Recently, there were 119 natural disasters in the U.S. — but insurance only covered 61% of the damage, leaving $9.7 billion in losses for property owners to pay for themselves. Don't be stuck paying for repairs or rebuilding costs out of pocket. Discuss property insurance with an insurance agent today to be informed about the risks you face and the thousands of dollars you can save by having a complete Haverhill business insurance plan.


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Our independent agents shop around to find you the best coverage.

Workers' Compensation for Businesses in Haverhill

Did you know that workers' compensation costs $1.27 for every $100 in wages, or $612 per employee? Your Haverhill business employees hard-working individuals, but if someone is injured or becomes ill due to a work-related incident, you may have to deal with unwelcome costs. Protect yourself against lawsuits and medical bills with comprehensive and customized workers' compensation insurance.

Employee Coverages for Haverhill Businesses

Massachusetts businesses paid $1,061,981 for healthcare in recent years — the 36th highest premium in the States. To break it down further, these companies spent an average of $6,379 for a single person plan and $17,424 for a family plan. Employee health and life insurance options are overwhelming but not with an agent. We can find comprehensive, customized and affordable employee coverages for your business and employees.

Cyber Crime Insurance for Haverhill Businesses

The Bay State saw 5,116 reported identity theft incidents in recent years. But only 22% of businesses have a cyber or data breach response plan in place. How would your Haverhill small business respond if a hacker got into your system? Regardless of how much or what kind of personally identifiable information you have, your company is at risk — especially in today's tech-savvy world. Be prepared by talking through cyber crime insurance with a local agent.

Our Independent Insurance Agents aren't tied down to one carrier and can give you multiple quotes to choose from. We have great relationships with numerous insurance companies and will work hard to find a Haverhill business insurance policy that meets all of your needs. Our agents are Haverhill locals as well and are familiar with the risks associated with your small business. 

Let an agent take care of the necessary insurance details while you focus on the bottom line.

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