Business Solutions
Specialty Business
Coverage Solutions.
Beyond the core commercial lines, today's businesses face an expanding array of risks. We provide access to specialty coverage solutions that address modern exposures — from cyber threats to employment practices.
Specialty Lines
Additional Business Coverage Options
Cyber Liability Insurance
Covers costs associated with data breaches, ransomware attacks, and cyber extortion. Includes breach notification expenses, credit monitoring, legal defense, and regulatory fines.
Coverage Highlights
- Data breach response costs
- Ransomware & extortion coverage
- Business interruption from cyber events
- Regulatory defense & fines
Who Needs This
Any business handling customer data, payment information, or operating digital systems.
Get a QuoteWorkers Compensation
Required by Massachusetts law for employers with one or more employees. Covers medical expenses, lost wages, and rehabilitation costs for work-related injuries and illnesses.
Coverage Highlights
- Medical expense coverage
- Lost wage replacement
- Rehabilitation & retraining
- Employer liability protection
Who Needs This
All Massachusetts employers with W-2 employees. Independent contractors may also require coverage.
Get a QuoteCommercial Umbrella
Provides excess liability protection above your primary general liability, commercial auto, and employers liability limits. Essential for businesses with significant liability exposure.
Coverage Highlights
- Excess over primary liability
- Broad coverage territory
- Defense cost coverage
- Drop-down coverage for gaps
Who Needs This
Businesses with significant public exposure, large contracts, or high-value operations.
Get a QuoteEmployment Practices Liability (EPLI)
Covers claims from employees alleging wrongful termination, discrimination, harassment, or retaliation. EPLI claims are among the fastest-growing commercial liability exposures.
Coverage Highlights
- Wrongful termination defense
- Discrimination & harassment claims
- Wage & hour disputes
- Third-party EPLI available
Who Needs This
Any business with employees. Risk increases with employee count and turnover.
Get a QuoteProfessional Liability (E&O)
Covers claims arising from errors, omissions, or negligent acts in the performance of professional services. Critical for consultants, advisors, and service-based businesses.
Coverage Highlights
- Professional error defense
- Negligent advice claims
- Prior acts coverage available
- Claims-made policy form
Who Needs This
Consultants, advisors, designers, IT professionals, and any service-based business.
Get a QuoteCommercial Flood Insurance
Standard commercial property policies exclude flood damage. Separate flood coverage through NFIP or private market carriers is essential for businesses in flood-prone areas.
Coverage Highlights
- Building & contents coverage
- NFIP and private market options
- Business interruption available
- Basement coverage options
Who Needs This
Businesses in FEMA flood zones or areas with historical flooding. Also recommended for ground-floor commercial tenants.
Get a QuoteNot Sure What You Need?
Our commercial lines advisors will conduct a comprehensive risk assessment and identify the coverage gaps in your current program.
Schedule a Risk Assessment