Business Owners Policy
Package property and liability protection for eligible small and midsize businesses.
Commercial insurance for real businesses
Commercial Insurance Made Simple.
Straightforward guidance, responsive service, and coverage options built around the way your business actually operates.
Serving businesses in Massachusetts, Rhode Island, Connecticut, New York & New Jersey.
Independent guidanceOptions from multiple insurance markets.
Commercial focusCoverage built around business exposures.
Responsive serviceClear communication from quote through renewal.
Coverage
Protection for the way you do business.
We help review, place, and coordinate key commercial insurance coverages so you can make informed decisions without unnecessary complexity.
View coverage details →General Liability
Coverage for common third-party bodily injury, property damage, and related liability exposures.
Workers Compensation
Coverage for employee work-related injuries and illnesses, subject to applicable laws and carrier terms.
Commercial Auto
Protection for vehicles used in your business, from single autos to larger fleets.
Commercial Property
Coverage options for buildings, business personal property, equipment, and other insured property.
Umbrella & Excess
Additional liability limits designed to sit over eligible underlying business policies.
Professional Liability
Coverage options for claims involving professional services, errors, or alleged negligence.
Specialty Coverage
We can review additional needs based on your operations, contracts, property, and industry.
Industries we serve
Coverage that starts with understanding your business.
Different industries create different exposures. We focus on learning how you operate before recommending a coverage approach.
01
Restaurants
Property, liability, workers compensation, commercial auto, liquor-related exposures and more.
Learn about restaurant insurance →
02
Funeral Homes
Business property, auto, workers compensation, liability and specialized operational exposures.
Learn about funeral home insurance →
03
Contractors
General liability, workers compensation, commercial auto, tools, equipment and umbrella coverage.
Learn about contractor insurance →
04
Auto Repair & Body Shops
Garage-related liability, garagekeepers, commercial auto, property and employee exposures.
Learn about auto shop insurance →
About Formula
Insurance does not need to feel complicated.
Formula Insurance Agency is focused on helping business owners understand their coverage, compare available options, and keep their insurance program organized as their business changes.
Our approach is simple: learn the operation, identify the exposures, explain the choices clearly, and stay involved after the policy is written.
More about Formula →Ready to review your coverage?
Let’s start with your business.
Tell us what you need, or send over your current policies and renewal information. We can help you determine the next step.
Contact
Formula Insurance Agency
Commercial Insurance Services
Serving Massachusetts, Rhode Island, Connecticut, New York & New Jersey.
888-778-4987
CLservice101@outlook.com
Prefer email? Send us your current policy or renewal information and tell us what you would like reviewed.
Contact details →