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38 Austin Street, Worcester, MA 01609

TEL. 800-548-6900

Risk Management

Property and Casualty Insurance

Everyone faces risks in both business and personal life. How you evaluate and manage risk can have a critical impact on your financial security. We’re here to help you prevent future loss.

At Small Business Insurance, we want to minimize your risk exposure to levels you can live with. The first step is to identify specific risks you may face regarding your home, business or personal property. We look at potential liabilities, from bodily injury or damage to others’ property to patent infringement or copyright violation. We examine your possible losses, whether to your property or source of income, from a range of unfortunate events, from a natural disaster to a lawsuit. Each class of business has separate and unique exposures that are subject to rapid change.

In person, by phone, or through email, our friendly professionals undertake an in-depth review of your business or home property and those valuables you wish to insure, so we can provide you with strategies to mitigate the financial impact of any loss. Once we understand you and your situation, we develop recommendations to ensure the appropriate personal or commercial coverage. Our proposals represent our depth of knowledge in the market, so that you receive the coverage from the insurer suited to meet your needs and your budget.

We offer competitive  commercial and personal coverage from among the highest-rated carriers:

  • The Hartford Insurance Companies
  • The Travelers Insurance Companies
  • Union Mutual Insurance Company
  • Safeco Insurance Company
  • Commerce Insurance Company

We take pride in our professional and prompt service. Our licensed agents look forward to meeting your insurance needs. Please contact us using the form at right.


  • Workers compensation
  • General liability
  • Commercial automobile
  • Professional liability
  • Umbrella liability
  • Technology errors and omissions


  • Homeowners, condominium, rental coverage
  • Personal automobile/motorcycle
  • Recreational vehicles, ATVs, snowmobiles
  • Special endorsements for jewelry, fine arts, weapons
  • Umbrella liability
  • Watercraft
  • Flood