Small Business Insurance Massachusetts

Ross Insurance has been offering small business insurance in Massachusetts for more than 90 years. As a 3rd generation small business we understand what business owners face and the tough decisions they have to make on a daily basis.

Each business is unique and our insurance specialists offer a breadth and depth of unparalleled experience in helping you to identify areas of risk and the steps you need to take with insurance to protect the business you’re building.

Small business insurance for Massachusetts comes in many forms and we work with some of the best carriers available to find the right insurance coverage to meet your needs and your budget. In fact, as an independent insurance agent, we are able to shop across a number of different carriers to find you the right insurance.

Small Business Insurance Massachusetts


Here’s a breakdown of some of the specific types of insurance we offer.


CMP policies typically provide coverage for property and loss of income after a loss. This includes losses resulting from fire, water damage, theft, vandalism, equipment breakdown, and other unexpected losses.

These forms of insurance typically also offer coverage from general liability losses resulting in property damage or bodily injury to the public resulting from accidents caused by your business, the products you sell, and so on.

Given the nature of protection, CMP policies are best suited for retail sales establishments, restaurants, auto service facilities, trade contracting, and real estate management firms.

For Massachusetts based businesses, a CMP policy offers significant flexibility including being able to tailor limits to meet the exact needs of most businesses.


Vehicles are utilized by small businesses for all sorts of reasons. These might include the picking up of supplies or the delivery of products. They also can include transporting equipment, tools, and employees to job sites. Your business may own specialty vehicles with expensive added equipment. You might not own any vehicles but may require employees to use their own automobiles in the course of doing business. No matter the situation, accidents involving motor vehicles involved in carrying out business related duties can result in significant financial loss to a business.

That’s why it’s so important to have appropriate Commercial Auto insurance in place to protect against liability, medical expense, uninsured motorists, and physical damage resulting from any accident. At Ross Insurance our specialists will be sure your insurance is specifically customized with all of the necessary coverages to meet the specific needs of your business.


To manage risk even further, an Umbrella Insurance can be added to give a business higher liability limits than can be provided by standard commercial insurance. Many business classes qualify for an Umbrella and limits begin at $1,000,000.

These are some of the most common types of insurance but Ross Insurance is truly a one-stop shop for all your insurance needs including:

  • Business Auto Insurance
  • Business Owner’s Policy (BOP) & Packages
  • Employee Benefits
  • Group Health
  • Group Disability
  • Group Life
  • Professional Liability Insurance
  • Excess Liability Insurance
  • General Liability Insurance
  • Group Programs
  • Property Insurance
  • Equipment Breakdown
  • Inland Marine
  • Surety Bonds
  • Umbrella Insurance
  • Voluntary Benefits
  • Workers Compensation Insurance

And at Ross Insurance we have significant experience in a number of Massachusetts based industries including:

  • Building Maintenance
  • Construction
  • Education
  • Financial Services
  • Food & Beverage Manufacturing
  • Healthcare
  • Hospitality (Hotels)
  • Manufacturing
  • Nonprofits
  • Real Estate
  • Religious Organizations
  • Restaurants
  • Pizza Restaurants with Delivery
  • Retail
  • Self-Storage
  • Sports & Fitness
  • Transportation
  • Wholesale

Ross Insurance works with a broad array of businesses and specializes in meeting the Massachusetts insurance needs of small to midsized Business Clients with less than 2,000 employees.

We’ll make certain you understand your risk footprint and help you obtain the right protection at the right price. And if you aren’t sure whether you are presently paying too much for your small business insurance in Massachusetts we’ll perform a Premium Audit for you so you can see if you are adequately protected.