Roger Keith & Sons
Business Insurance Solutions
Our agents are here to help you find the most comprehensive and affordable insurance policy! Feel free to ask us how to obtain any business coverage policies.
General Business Insurance Options
Roger Keith & Sons
What is Business Insurance?
Most businesses are exposed to at least some potential risks, and many businesses face a host of risks that they should protect against. Business insurance policies help Massachusetts businesses protect themselves from a variety of risks that they face.
Business policies are a type of insurance that’s specifically designed for businesses and other organizations (including nonprofit organizations). They’re distinguished policies that are designed for individuals, which are commonly called “personal policies.” The term “commercial insurance” is also used to describe policies written for businesses.
What Businesses in Massachusetts Need Commercial Insurance?
Most businesses in Massachusetts should have at least some commercial insurance coverage in place. Few businesses are completely risk-free, and many are exposed to some risks that could be devastating if a worst-case-scenario occurred.
Additionally, most nonprofit organizations also should have some insurance in place. Merely operating as a nonprofit and doing good is generally not protection against the risks that insurance helps reduce.
What Businesses in Massachusetts Need Commercial Insurance?
Most businesses in Massachusetts should have at least some commercial insurance coverage in place. Few businesses are completely risk-free, and many are exposed to some risks that could be devastating if a worst-case-scenario occurred.
Additionally, most nonprofit organizations also should have some insurance in place. Merely operating as a nonprofit and doing good is generally not protection against the risks that insurance helps reduce.
What Types of Commercial Insurance Do Insurance Companies Offer?
While most businesses face at least a few risks, there’s no one set of risks that all businesses are exposed to. In order to meet businesses’ varying risk mitigation needs, insurance companies offer several different types of commercial insurance policies. A few of the more common ones are:
-
Commercial Property Insurance
-
Commercial Auto Insurance
-
General Liability Insurance
-
Professional Liability Insurance
-
Commercial Umbrella Insurance
-
Cyber Insurance
-
Workers Compensation Insurance
Additionally, many insurance companies bundle coverages into package policies that are uniquely crafted for businesses in certain industries. For example, insurers offer:
-
Small Business Insurance
-
Nonprofit Insurance
-
Restaurant Insurance
-
Entertainment Insurance
-
Contractors Insurance
- Medical Malpractice Insurance
What Types of Package Policies Do Insurance Companies Offer?
Most of the package policies offered by insurance companies fall into either of two categories.
Business owners policies are basic package policies that meet the insurance needs of many small businesses. These policies typically include general liability insurance, commercial property insurance and business interruption insurance, although some other coverages might be offered as optional.
Commercial package policies are more robust and flexible package policies. These policies frequently have many coverage options, which lets businesses customize the protection offered for their particular situation. Commercial package policies are often used by businesses that have specialized insurance needs or are larger organizations.
How Much Do Commercial Policies Cost?
Because insurance companies offer many different types of commercial policies, the premiums charged for them vary a lot. Rates depend on many factors, some of which may include the location of a business, the size of a business and a business’ past claims history. Other items that may influence a policy’s price are:
-
How much a business does in annual sales
-
How much a business’ employees are paid
-
What industry a business operates in
-
What precautionary measures a business takes
Even taking into account the varying costs of policies, having coverage is often much more affordable than facing a major claim with no insurance in place.
Testimonials
Client Circle Testimonials
Been with them for a long time back to when it was Gammons Insurance. Always friendly and helps with any concerns.
Had a very positive experience with Sandra Macedo.
She went above and beyond to assist me in taking care of my situation. She was very pleasant, full of patience, great follow ups on her phone calls and had such a great willingness to help. She made my day.
Great service. Well worth the call.
Jessica was amazing ! Great agent awesome customer services ! Offers best rates. Also gets questions or concerns taken care of in a timely manner.
Attentive and efficient service, even well after the account is first established. Highly recommend this company to anyone who wants an agent that is on top of their insurance needs.
Linda May, my agent at RK&S, goes above and beyond to help with questions, research and to compare rates among carriers for the best cost and coverage. She is super responsive and also very informative on what you need and also don’t need. She has years of experience in the field and really knows the ins and outs of the industry! Katie in the Marion office is very helpful too, and also very responsive.
I am leaving feedback because working with Diane Resendes has truly been a pleasure! She has consistently gone over and beyond for us and is professional, compassionate, and very good at guiding us with our insurance needs! She is simply amazing, and I hope this feedback reaches the right person as I feel STRONGLY about sharing my POSITIVE experience with you! Thank you for this opportunity!!
Roger Keith & Sons
Request a Quote