Business Insurance

Our Products

Business Owners Insurance

We provide the same quality of coverage and service regardless of the size and needs of your business. We offer business insurance policies customized to you and your business.

Generally, the objective of business is to provide a needed service and maximize profits while lowering overhead expenses. This means establishing a strategic plan which could account for anticipated as well as unexpected expenses. Looking out for those “unexpected expenses” is where we can help. We will find you a sensibly priced business insurance policy to look out for those unpredicted losses like accidents, legal claims, worker accidental injuries, and more.

How much commercial insurance is excessive? What is too little? State regulations will govern the basic insurance requirements, like workers compensation, unemployment, & disability insurance, etc. Our commercial lines agents can assist you with determining additional coverage you may need for your business.

We can help cover almost any aspect of your Massachusetts business.

  • Business Owners Policies (BOP)
  • Bonds & Surety
  • Commercial Property Insurance
  • General Liability Insurance
  • Management Liability Insurance
  • Umbrella Insurance
  • Boiler and Machinery Insurance
  • Commercial Auto Insurance
  • Errors & Omissions
  • Landlord Insurance
  • Professional Liability Insurance
  • Worker’s Compensation Insurance
Vacant house

Commercial Auto Insurance

Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.

Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.

General Liability Insurance

A commercial general liability policy provides business owners the protection needed in the event a customer suffers bodily injury, personal injury or property damage as a result of the daily operations of the business. Commercial general liability is considered a type of comprehensive insurance but does not cover every risk a business may face.

There are two types of commercial general liability – claims-made policy and occurrence policy. When discussing commercial general liability with our business clients, Cantiani Insurance agents take into consideration every business, even within a specific industry, has unique risks it faces during operational hours. It is important to understand the difference between the two policies and ensure you have the coverage that works best for your business situation.

Caution wet floor or cleaning in progress. A yellow sign warning area is being cleaned.

Professional Liability Insurance

Protecting the physical structure and products of a business are very important. It is also important to protect the company, the employees and other professionals against claims made by a client or customer stating unsatisfactory work or negligent actions.

Professional Liability Insurance is also known as Errors and Omissions. This coverage is in place to protect business professionals against a claim made by an unsatisfied client.

There are many professions who should consider carrying a professional liability insurance policy and ensure the policy covers the specifics of the profession.  Our agents at Cantiani Insurance understand small business insurance and will develop a professional liability policy structured around your business and professional needs.

Worker Compensation Insurance

Small businesses in the state of Massachusetts are required to carry worker compensation insurance. Without worker’s comp, an employee who is injured on the job has the right to ask the owner to cover any medical expenses and legal fees resulting from the injury. Also, the owner can be held liable for covering the expenses an employee incurs by missing work for an extended period of time.

Worker Compensation rates are state mandated and are updated every October. At Cantiani Insurance Agency, we understand worker compensation insurance and are prepared to review the state guidelines and rates with you. The last thing we want is for you to not have the proper coverage if an employee is injured while working for you.

Let's Get in Touch

We would appreciate the opportunity to present our services.

Two locations to serve you

Cantiani Insurance Agency

(508) 791-2088
Fax (508) 799-0663
318 Plantation Street
Worcester, MA 01604

Hours: Monday - Friday
8:30 AM - 5:00 PM

East Douglas Insurance

(508) 476-2101
Fax (508) 476-1296
P.O. Box 1370, 306 Main Street
Douglas, MA 01516

Hours: Monday - Friday
8:00 AM - 4:30 PM

East Douglas