Massachusetts General Liability Insurance

Protecting Massachusetts Businesses from Everyday Risks

Running a business in Massachusetts comes with plenty of responsibilities—and just as many risks. General Liability Insurance helps protect your business from claims involving third-party bodily injury, property damage, or personal and advertising injury.

At Segreve & Hall, we’ve helped businesses across the Commonwealth—from Greater Boston to the Merrimack Valley—navigate their liability exposures and secure coverage that keeps them compliant, competitive, and protected.

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Trusted by Businesses for 30+ years

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Coverage Built for Massachusetts Businesses

General Liability Insurance is a foundational policy that helps cover the costs of lawsuits, medical bills, and settlements when your business is held liable for harm caused to others. This could be anything from a customer tripping on your icy storefront in Andover to accidentally damaging a client’s property during a service visit in Cambridge.

Coverage typically includes:

Bodily Injury – Protection if someone is hurt on your premises or as a result of your operations.
Property Damage – Coverage for third-party property you accidentally damage during the course of business.
Legal Defense – Attorney fees, court costs, and settlements or judgments.
Personal & Advertising Injury – Protection against claims such as defamation, slander, or copyright infringement.

Compliance with Massachusetts Requirements

While general liability insurance isn’t required by Massachusetts state law for all business types, it’s often necessary to secure municipal contracts, obtain certain professional licenses, or lease commercial property. Many cities and towns across the state require proof of coverage for permits or vendor approval.

If your business performs work on-site, operates in public spaces, or interacts directly with clients or customers, this coverage is essential.

Coverage for a Wide Range of Industries

Segreve & Hall works with businesses of all sizes across Massachusetts. We tailor your general liability policy to the nature of your operations—whether you run a storefront in Salem, manage a real estate office in Worcester, or perform electrical work on job sites in Lowell.

We regularly provide coverage for:

General contractors and tradespeople
Retail stores and restaurants
Office-based professionals and consultants
Real estate investors and property managers
Light manufacturers and wholesalers

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Explore Our Massachusetts Commercial Insurance Solutions

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Commercial Auto Insurance

Protect your business vehicles, drivers, and operations with coverage tailored to your commercial use.

Workers’ Compensation Insurance

Protect your employees and stay compliant with coverage for workplace injuries and lost wages.

General Liability Insruance

Safeguard your business from third-party claims involving bodily injury, property damage, or legal expenses.

Commercial Umbrella Insurance

Extend your liability coverage beyond standard policy limits for added financial protection.

Commercial Property Insurance

Protect your building, equipment, and inventory from fire, theft, vandalism, and other covered events.

Builder’s Risk Insurance

Cover construction projects against damage or loss during the build phase, including materials and equipment.

Inland Marine Insurance

Protect tools, equipment, and goods in transit or stored off-site with flexible, mobile coverage.

Surety Bonds

Guarantee your obligations and contracts with surety bonds that build trust and meet legal requirements.

From Our Clients

Steve Parent

09:17 31 May 25

Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible

Michael Mannion

18:08 16 May 25

Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!

Derik

16:03 14 May 25

These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !

Murilo Vidal

17:01 13 May 25

I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.

Taylor Augello

22:32 07 May 25

They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall

Kevin Ham

12:52 07 May 25

Thomas and Sean are awesome they have been instrumental in the success of my business!

Curtis Perry Jr

18:39 06 May 25

Awesome people easy to work with Tom awesome at his job

Ryan Cogan

14:02 05 May 25

Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve... & Hall in the future.read more

Andrew Fonzi

00:43 02 May 25

I recently switched over all my insurance with Segreve, both personal and corporate. They have been nothing but amazing! Whenever I need something I get a response within minutes and requested... documents within 30 minutes or at the latest same day. I have worked with other agencies in the past and they are hands down the best! The whole team and family are very friendly, hard working, great attention to detail and professional. I would highly recommend to anyone!read more

Nick Eisenhauer

17:18 22 Apr 25

1 year review. I'm a high maintenance situation because I have 5 vehicles, 5 trailers, commercial plates, residential plates, snowmobiles, and General liability insurance for my business. All 1 stop... shopping from Seagrave & Hall Insurance. Switching company's and policy's was easy. Their communication is great and they even saved me money with an end result of better coverage!!! When I buy a house I will be using them for that also.read more

Jimit

17:12 10 Apr 25

They are great, I have been using their services since past 4 years and they are always willing to help. Super professional, knowledgeable and gets you the best prices.

Lindsey Moss

17:34 09 Apr 25

Just got my own insurance for the first time here. Super friendly on the phone and quick response after I requested a quote (less than an hour). Paulo helped me out and got me 3 different discounts... for my rate!! He even followed up afterwards to make sure I had no questions and was able to get everything figured out on my end. Overall just really nice people and really easy process 🙂read more

Ryan Cromarty

15:45 06 Apr 25

Everyone at Segreve and Hall were great to work with! Super fast to respond and demonstrated expertise of Massachusetts real estate law. 10/10 Would recommend!

Abanoub Tefal

05:27 05 Apr 25

Segreve & Hall insurance has the best service I have ever seen. My agent Michael Brandolini helped me and my family with the auto insurance and he was very patient with all my questions. Auto... insurance was a big deal for me until I spoke to Michael.read more

jessa martinos

12:40 04 Apr 25

I wanted to express my gratitude to Wanda Morales, for your assistance in switching my auto insurance to Segreve and Hall. You were instrumental in finding me a great agent who helped me get coverage... for my new car.The entire process was remarkably easy, and the prices I received through Segreve and Hall beat all the other quotes I found on my own. Thank you again Wanda.read more

Sarah Tavitian

20:00 03 Apr 25

Just bought my first home and needed a policy on the fly. Geoff made the experience less stressful by being readily available when I had an update or needed paperwork for my bank. He is enthusiastic... for his clients' accomplishments and supportive of what their needs are. I would recommend Geoff to anyone in need of an insurance policy because he is patient, thorough, and gets the job done right!read more

John C

14:36 05 Mar 25

I can’t say enough good things about Segreve & Hall. I recently worked with Thomas, and he went above and beyond to help me find great coverage at a much lower rate. Thanks to Thomas, I saved more... than $800 on my car insurance in less than a hour. The process was smooth, transparent, and completely stress-free. It’s clear that this is a family-owned business that truly cares about its clients. Highly recommend.read more

Brayan Aguilar

00:07 02 Feb 25

Thank you for your good prices and Cervice

Kanarith Van

20:12 28 Jan 25

I had an excellent experience working with Thomas as my insurance agent. From the moment I reached out, he was super responsive and made sure to address all of my questions and concerns in a timely... manner. He went above and beyond to explain my options and help me find the best coverage for my needs. It’s rare to find someone who is not only knowledgeable but also genuinely helpful. I highly recommend Thomas for anyone in need of an insurance agent who truly cares about providing top-notch service!read more

Richard Churchill

11:17 26 Jan 25

Paulo was very helpful in maintaining my insurance needs, He has always taken the time to explain my options and find the best coverage and price possible. Segreve & Hall insurance is the best

Frequently asked questions

What’s the difference between general liability and professional liability insurance?

General liability covers physical risks—such as someone getting injured at your place of business or you damaging someone else’s property. Professional liability (also called errors & omissions insurance) covers claims related to mistakes or negligence in the services you provide, which is especially important for consultants, accountants, and licensed professionals in Massachusetts.

Does general liability insurance cover work done by subcontractors?

Not by default. In Massachusetts, many general contractors are required to ensure their subcontractors carry their own liability coverage. If your business works with subs, it’s important to collect certificates of insurance and make sure your policy is structured properly to avoid gaps in coverage.

Will general liability insurance cover my business if I sell products online or ship to other states?

Yes. Most general liability policies include product liability coverage, which protects you if a product you sell causes injury or damage—even if sold online or outside Massachusetts. You’ll need to disclose your sales activity and distribution areas to ensure the right coverage is in place.

Massachusetts business owner consulting with a client, illustrating the need for liability coverage in professional settings