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Commercial Property & Liability Insurance

Not sure which business insurance policy to have for your company in Massachusetts? Below you will find information on how your commercial property and liability insurance can be insured in Massachusetts. Let us help you review the different types of insurance coverage offered and other available options.

The Basics

Commercial property and liability coverage protects an insured’s buildings, property and general liability. The following are the different coverages found in these types of policies:

Commercial Property Coverage

Coverage A – Covered Property

This coverage protects an insured’s building, business personal property and the personal property of others. The building consists of: the structure, completed additions, permanently installed fixtures, permanently installed machinery and equipment, outdoor fixtures, personal property used to service the business and materials used for additions, alterations and repairs that are within 100 feet of the covered location.

Coverage B – Covered Business Personal Property

This coverage includes business property such as furniture, portable machinery and equipment, inventory, stock and all other personal property owned by the insured and used for business purposes located in the building or within 100 feet of it. Personal property of others that is covered refers to property in the insured’s care, custody ore control, which is located in the building or within 100 feet of it. This coverage is limited. There are certain property types that are not covered as well.

Additional coverages and extensions are also available.

Commercial Liability Coverage

Coverage A

This section of coverage protects the insured who is legally responsible for injury or damage to others as a result of the ownership of premises or business activities on or off the premises. Policy limits are provided on a per person, per occurrence and aggregate basis. This section also covers products and completed operations coverage. This relates to coverage for bodily injury or property damage to others as a result of the use or consumption of a product manufactured by the business. This section of coverage also covers some “insured contacts” and damage to premises the business rents, also known as fire legal limit.

Coverage B

This section provides protection to a business owner against personal injury and advertising injury losses. Personal injury examples are: wrongful detention or eviction, false arrest, slander and libel. Advertising injury arises out of oral or written defamation committed while advertising one’s business or products.

Coverage C

This section covers medical payments. It will pay the reasonable medical expenses of others incurred within on year of the date of the accident.

Additional coverages and extensions are also available.

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