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Sullivan Insurance

What’s the Right Business Insurance Policy for You?

Having the proper business insurance coverage can make the difference between the success and failure of your business. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. It’s a broad name for different coverage available to the business owner to protect against losses and to insure the continuing operation of the business.

Policies we offer cover businesses in Massachusetts, New Hampshire and Maine. Sullivan Insurance is a solid company to help insure both you and your business will benefit.

major types of business insurance

Protecting Your Hardest Achievement & Investment

This is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

Professional Liability Insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.

Supplemental Insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

Policy covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees.

Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.

Group Life Insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group

Commercial Umbrella Insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).

Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

business owners package (bop)?

A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package.
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It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.​

workmens compensation

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

Sullivan Insurance offers many of the best insurance carriers--one in particular, Safety Insurance. Review their website and their home insurance policy. It will help you understand the many details we will review.

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Mark was very helpful when I sent in my auto quote request by showing me online the information required by my carrier. He helped me fill out the information and was able to get a quote quickly. Now I have been with Sullivan for more than 5 years! Great Customer Service

Sharon
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I had a number of things that I needed to review in my homeowners policy and better understand. There had been a couple of changes to my home and I purchased a boat and wanted to make sure all these things were covered. Peter took the time to review the details with me and redid the policy. I couldn’t have done it alone. Thank You Sullivan Insurance

Phil
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Having a business comes with a lot of risk. I met with Sullivan Insurance and they provided a free consultation and presented all the options my business would need and by the end of the meeting I was sure and confident in the direction I needed to take and signed before I left. Relief!

David
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I’m getting older –now over 60--and I realized a life insurance policy would be good to have for me and my family. I read the options on websites but it was so helpful to have someone go thru the details with me. I filled out a quote form and sent it to Sullivan Insurance and got a call to review the details. Within a day they got back to me, verified the details we has wanted and I signed. Simple as that.

George