What Insurance Does a Small Business in Boston Really Need? Hennigan Insurance Explains

Owning a small business in Boston is both exciting and demanding. Whether you run a café in Jamaica Plain, a retail shop in Roslindale, or a professional office in West Roxbury, having the right business insurance is essential to protect everything you’ve worked hard to build.

At Hennigan Insurance, we help local business owners understand their unique risks and design customized small business insurance solutions in Boston and throughout Greater Boston. Here’s a look at the essential coverage every business owner should consider.

General Liability Insurance

General liability insurance protects your business if someone is injured on your premises or if you accidentally cause property damage to someone else. It also covers legal expenses and settlements. This foundational coverage is often required when signing commercial leases or working with certain clients and is essential for most Boston businesses.

Commercial Property Insurance

If you own or lease a physical space, commercial property insurance covers your building, equipment, inventory, and other physical assets against losses from events like fire, theft, or vandalism. In a city like Boston, where property values and replacement costs can be high, this coverage is vital to help you recover quickly after an unexpected loss.

Workers’ Compensation Insurance

Massachusetts law requires most businesses with employees to carry workers’ compensation insurance. This coverage helps pay for medical expenses and lost wages if an employee is injured on the job and also protects you from potential lawsuits. For Boston businesses, this coverage is a legal requirement and an important way to care for your team.

Commercial Auto Insurance

If your business owns vehicles — whether it’s a delivery van, a service truck, or a company car — commercial auto insurance provides protection for damages and liability resulting from accidents. With Boston’s busy streets and frequent traffic, having reliable commercial auto insurance is crucial for keeping your operations moving.

Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, professional liability insurance protects businesses that provide professional services or advice. It covers claims related to negligence, mistakes, or failure to deliver services as promised. This coverage is especially important for consultants, accountants, and other service-based businesses across Boston.

Cyber Liability Insurance

As more Boston businesses rely on digital systems and data, the risk of cyberattacks and data breaches continues to grow. Cyber liability insurance helps cover costs related to data loss, recovery, notification, and legal expenses. Adding this protection is a proactive way to safeguard your operations and customer trust.

Business Interruption Insurance

If your business needs to temporarily close due to a covered loss, business interruption insurance helps cover lost income and operating expenses until you can reopen. In a fast-moving city like Boston, this coverage can provide a crucial safety net to keep your business resilient.

Why Work With Hennigan Insurance?

Every business is different. Your insurance needs depend on your industry, size, and specific risks. At Hennigan Insurance, we take the time to learn about your business and recommend Boston business insurance solutions tailored to support your growth and protect what matters most. As a local agency deeply rooted in West Roxbury and Greater Boston, we understand the challenges you face and provide personalized guidance every step of the way.

Protect Your Business and Your Future

Your business deserves coverage designed for you — not a one-size-fits-all policy. Whether you're launching a new venture or reviewing your current insurance, Hennigan Insurance is here to help you navigate your options with confidence and care. Contact us today to schedule a personalized small business insurance consultation and get a custom quote.