--- title: Business Owners Policy in Massachusetts | Haberman Insurance Group description: Receive free Business Owners Policy quotes from our top-rated Massachusetts agents who can provide you strong coverage at great rates! image: https://www.habermaninsurance.com/hubfs/2018%20Product%20Pages/Business%20Owners%20Policy/Business_Owners_Policy_Insurance_Header_HBI.png --- [File a Claim](https://www.habermaninsurance.com/massachusetts-insurance-service-center) [Make a Payment](https://www.habermaninsurance.com/massachusetts-insurance-service-center) [CSR 24](https://portal.csr24.com/mvc/7817000) [Request a Quote](https://www.habermaninsurance.com/contact) [(413) 781-7000](tel:1-413-781-7000) [![Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White](https://www.habermaninsurance.com/hs-fs/hubfs/Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White.png?width=612&height=87&name=Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White.png "Haberman-Insurance-Marsh-McLennan-Agency-Combined-Logo-White")](https://www.habermaninsurance.com) Call Us: (413) 781-7000 ![Business Owners Policy Massachusetts](https://www.habermaninsurance.com/hs-fs/hubfs/2018%20Product%20Pages/Business%20Owners%20Policy/Business_Owners_Policy_Insurance_Header_HBI.png?width=2000&name=Business_Owners_Policy_Insurance_Header_HBI.png "Business Owners Policy Massachusetts") # Business Owners Policy in Massachusetts ### Proudly Providing the Best Business Owners Policy Service to Companies in Massachusetts and Throughout New England ## What is a Business Owners Policy? Many small businesses in Massachusetts are exposed to a common set of potential risks. A business owners policy is designed to help small businesses protect themselves from these common perils. Business owners policies are a specialized type of [commercial insurance](https://www.habermaninsurance.com/business-insurance-massachusetts). They’re specifically designed to offer foundational protections for small- and medium-sized businesses. [![Request a Quote!](https://no-cache.hubspot.com/cta/default/1675864/f860ba09-5f72-4ffa-b61a-b2cac1c5d196.png)](https://cta-redirect.hubspot.com/cta/redirect/1675864/f860ba09-5f72-4ffa-b61a-b2cac1c5d196) ## What Coverages Come in a Business Owners Policy? Most business owners policies are package policies, combining a few different individual coverages into a single combined policy. The exact coverages included in a particular policy can vary, but they might include: - [**General Liability Insurance**](https://www.habermaninsurance.com/general-liability-insurance-massachusetts), which normally covers certain common accidents - [**Commercial Property Insurance**](https://www.habermaninsurance.com/commercial-property-insurance-massachusetts), which normally covers company-owned property - [**Commercial Auto Insurance**](https://www.habermaninsurance.com/commercial-auto-insurance-massachusetts), which normally covers company-owned vehicles - [**Cyber Liability Insurance**](https://www.habermaninsurance.com/cyber-liability-insurance-massachusetts), which normally covers certain online threats - [**Business Interruption Insurance**](https://www.habermaninsurance.com/business-interruption-insurance-massachusetts), which normally covers certain revenue losses Some policies may offer other coverages not listed here.  ### Get a Free Quote! ![Business Owners Policy Insurance MassachusettsI](https://www.habermaninsurance.com/hs-fs/hubfs/2018%20Product%20Pages/Business%20Owners%20Policy/Business_Owners_Policy_Insurance_Body1_HBI.png?width=1500&name=Business_Owners_Policy_Insurance_Body1_HBI.png) ## Do Business Owners Policies Offer Workers Compensation Coverage? In Massachusetts, [workers compensation coverage](https://www.habermaninsurance.com/workers-compensation-insurance-massachusetts) is usually purchased through a stand-alone policy. Therefore, most business owners policies don’t include workers compensation protection within their coverages. Since many small businesses have employees and need workers compensation coverage, however, insurance agents who help business owners find BOPs can often also assist with finding workers compensation policies. ## What Benefits Does Combining Coverages in a BOP Provide? Combining multiple coverages that a business needs into a single BOP has two main advantages, one that’s somewhat minor and another that’s quite significant. First, business owners are able to make a single payment for all of the included coverages rather than a separate payment for each one. This convenience likely isn’t going to determine a business’ success or failure, but business owners who are trying to manage diverse tasks appreciate having a single payment. Second and more importantly, insurers frequently offer steep discounts when coverages are purchased together through a BOP. These discounts make coverage more affordable, and they can be especially helpful to businesses that have tight cash flows. [![Talk to a Business Specialist!](https://no-cache.hubspot.com/cta/default/1675864/86870745-bb6a-4289-95e7-73d1bfaa0503.png)](https://cta-redirect.hubspot.com/cta/redirect/1675864/86870745-bb6a-4289-95e7-73d1bfaa0503) ## What Businesses in Massachusetts Need Business Owners Policies? Many small- and medium-sized businesses in Massachusetts can benefit from the protections that business owners policies offer, for lots of businesses need more than one coverage. Business owners who aren’t sure whether a BOP is sufficient for their company can talk with a knowledgeable agent about business owners policies and commercial package policies. Commercial package policies are similar to business owners policies in that they offer multiple commercial insurance coverages in a single policy. In comparison to business owners policies, commercial package policies tend to be more robust and/or specialized. They’re typically used by businesses that have unique risk exposures or need more protections than business owners policies can afford. ![Business Owners Policy Insurance Massachusetts](https://www.habermaninsurance.com/hs-fs/hubfs/2018%20Product%20Pages/Business%20Owners%20Policy/Business_Owners_Policy_Insurance_Body2_HBI.png?width=1500&name=Business_Owners_Policy_Insurance_Body2_HBI.png) ## How Much Do Business Owners Policies Cost? Because business owners policies are designed with small- and medium-sized businesses in mind, they’re often specifically crafted to offer foundational coverages at affordable rates. Exactly how much a policy costs depends on a business’ industry, location, annual revenue, size and many other factors. ## How Can Businesses Find a Business Owners Policy? Selecting a BOP requires careful consideration of a business’ particular risk exposure and the coverages that are available through both business owners policies and other insurance options. Business owners can select the right policy for their company only after all risk factors and options have been weighed. For help determining what business owners policy is right for your Massachusetts business, contact the team at Haberman Insurance Group. Our specialized, independent agents have worked with many small businesses in the state and have the expertise necessary to find you the best policy for your business. ### Get a Free Quote! ![Marsh-McLennan-Logo-White](https://www.habermaninsurance.com/hs-fs/hubfs/Marsh-McLennan-Logo-White.png?width=280&height=70&name=Marsh-McLennan-Logo-White.png) ##### Haberman Insurance, a Marsh & McLennan Agency LLC Company 95 Ashley Ave, Suite D West Springfield, MA 01089 P: [(413) 781-7000](tel:1-413-781-7000) Monday - Friday: 8:00am - 4:30pm [[fa icon="facebook"]](https://www.facebook.com/HabermanInsurance/) [[fa icon="twitter"]](https://twitter.com/habermaninsure) [[fa icon="linkedin"]](https://www.linkedin.com/company/haberman-insurance-groupma/about/) #### Personal #### Business #### Company Copyright © 2024 Marsh & McLennan Agency LLC. 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