Gilbert Insurance Helps You Find Small Business Insurance Programs Throughout Massachusetts, the North Shore MA, and Greater Boston to Meet Your Company’s Specific Needs and Risks

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When the Gilbert team starts to work with a new small business insurance client, the conversation begins with questions. It is important to us to get to know all about you and your company, so we can thoroughly understand the small business insurance solutions you may require and the carriers who may be best able to write an affordable program for you.

We generally want to know simple things, like “What do you do?” and “How long have you been doing it?” Then, depending on how long you’ve been in business, we typically also want to review any current policies and evaluate your existing coverage. It won’t take long at all for our team to give you feedback on whether your small business insurance coverage is appropriate and priced competitively.

Whether you are an entrepreneur just starting out or a seasoned business owner, the Gilbert team can access hundreds of different small business insurance solutions, through our relationships with the top national and regional commercial insurance carriers, to find the best policy and price for your particular business exposures.

Gilbert can put together cost-effective Small Business Insurance programs for practically any type of company across a wide range of industries

Whether you’re starting a new venture or have a well-established company in one of the following business segments, our goal is to find the small business insurance program that helps mitigate your risks and fits your budget.

What is a Businessowners Policy (BOP), and is it the right choice for your small business?

Most of the small to midsized businesses we work with will be best served by an insurance solution that packages two or more coverages together. One of the most comprehensive and affordable types of multi-coverage policy is called a Businessowners Policy, or BOP. Whether you’re in the business of repairing roofs, baking cupcakes, or producing injection molds, it is highly likely that Gilbert can find a BOP designed especially with your kind of business in mind.

While BOPs may be customized differently depending on the industry they are targeting, the basic businessowners policy typically includes the following coverages, which are essential safeguards for any small or midsized business.

  • General Liability, which may provide important financial protection against third-party claims that your services, products, or employees have caused an injury, illness, or property damage.
  • Commercial Property, which may help pay for the losses you may incur if your business property is damaged or business is disrupted by a fire, windstorm, lightning, theft, or other covered disasters.
  • Business Interruption, which may reimburse you for the income you lose if you have to temporarily shut down your operation after a fire or other similar catastrophe and may help you cover the extra expense of doing business out of a temporary location.

Gilbert can help you tailor a basic BOP to satisfy your company’s unique needs by either increasing your policy limits or adding optional coverages like cyber liability, equipment breakdown, food or merchandise spoilage, professional liability, crime, employment practices liability, accounts receivable, money and securities, valuable papers, and more.

By combining all this coverage in a BOP, managing your company’s risks becomes much more affordable.

The Gilbert professionals make your small business and its insurance needs a priority

At Gilbert Insurance, we have a dedicated small accounts department responsible for supporting the insurance requirements of businesses just like yours. This team works one-on-one with Gilbert clients to build competitively priced small business insurance programs that address each company’s specific exposures. In addition, our knowledgeable small business professionals are here to respond quickly when you have a question about your coverage or premium, need a certificate of insurance, have a billing problem, and, most importantly, when you need claims assistance.

Whether you’re seeking coverage for a startup or newer business, want a second opinion on the coverage and pricing you already have, or simply haven’t heard from your insurance professional in a while, the Gilbert team is ready to serve you. Call us today at (781) 942-2225.