For professional liability insurance in Massachusetts, ERGO NEXT tops our analysis with strong customer service, comprehensive coverage and intuitive digital platforms. The Hartford delivers the state's lowest rates as the cheapest professional indemnity provider at $75 monthly, $7 below Massachusetts' average. Simply Business, Nationwide and Coverdash complete our recommended providers for top errors and omissions coverage in the state.
Best Professional Liability Insurance in Massachusetts
Get MA professional liability insurance quotes starting at $28 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
Get matched to the best professional liability insurance in MA for you below.
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Updated: February 1, 2026
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Professional Liability Insurance in Massachusetts: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Massachusetts, while The Hartford delivers the most affordable coverage starting at $75 monthly (Read More).
Professional liability insurance costs in Massachusetts average $82 monthly ($980 yearly), placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Massachusetts businesses from financial losses due to professional mistakes, negligence claims and failure to deliver promised services (Read More).
Massachusetts doesn't mandate professional liability insurance for most businesses, though certain regulated professions like health care providers need coverage (Read More).
Massachusetts businesses benefit from requesting multiple small business insurance quotes to compare coverage limits, deductibles and pricing across different providers (Read More).
Best Professional Liability Insurance Companies in Massachusetts
| ERGO NEXT | 4.71 | $76 |
| The Hartford | 4.62 | $75 |
| Simply Business | 4.50 | $80 |
| Nationwide | 4.44 | $86 |
| Coverdash | 4.43 | $82 |
| biBERK | 4.42 | $83 |
| Progressive Commercial | 4.38 | $79 |
| Hiscox | 4.36 | $81 |
| Chubb | 4.27 | $93 |
| Thimble | 4.20 | $81 |
How Did We Determine the Best Professional Liability Insurance in Massachusetts?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN MASSACHUSETTS
Professional liability insurance in Massachusetts covers just one aspect of protecting your business. MoneyGeek offers additional state-specific guides to help you build comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in MA
pros
Tops MoneyGeek's Massachusetts rankings for professional liability insurance
Ranks first nationally for digital experience and policy management
Instant certificates of insurance through mobile app in minutes
Backed by Munich Re's A+ Superior AM Best rating
cons
Digital-only model with no physical office locations
Claims processing ranks fourth nationally among reviewed providers
COMPANY HIGHLIGHTS
Massachusetts small business owners benefit from ERGO NEXT's competitive $76 monthly rates and top-ranked customer service. The provider earned the highest digital experience score nationally, letting Boston consultants and Worcester photographers generate instant certificates through the mobile app.
Backed by Munich Re's A+ Superior AM Best rating, ERGO NEXT gives Cambridge tech firms and Springfield contractors financially strong coverage. The 10-minute online process and 24/7 policy access serve busy Massachusetts entrepreneurs needing professional liability protection.
2. The Hartford: Cheapest Professional Liability Insurance in MA
pros
Lowest professional liability rates in Massachusetts among providers
Ranks first nationally for claims process and overall satisfaction
Backed by 200+ years experience and A+ Superior rating
Great personalized E&O coverage options for tech, law and medical professionals
cons
Digital experience ranks 10th nationally among reviewed providers
Requires agent for policy purchase, not available online directly
COMPANY HIGHLIGHTS
The Hartford delivers Massachusetts' most affordable professional liability coverage at $75 monthly, saving Boston consultants and Framingham accountants $80 annually. The provider ranks first nationally for claims processing and overall satisfaction, backed by an A+ Superior AM Best rating and 200+ years of experience.
The Hartford serves Springfield law firms and Cambridge tech professionals through customizable coverage options and an experienced agent network. While digital tools rank lower than competitors, claims excellence and financial strength provide Worcester small business owners reliable, affordable protection.
3. Simply Business: Best Professional Liability Insurance Coverage Option in MA
pros
Ranks first nationally for coverage options with 35+ carrier access
Broker model finds specialized policies for hard-to-insure businesses
Third-best digital experience with 10-minute online quote process
Backed by Travelers' A++ Superior AM Best rating
cons
Claims processing ranks eighth nationally among reviewed providers
Customer service and overall satisfaction rank seventh nationally
More expensive than competitors
COMPANY HIGHLIGHTS
You'd benefit from Simply Business's broker model in Massachusetts if you need specialized professional liability coverage or direct insurers have rejected you. Cambridge tech consultants and Worcester contractors access policies unavailable elsewhere, while Boston professionals compare 35+ carrier quotes in 10 minutes. You'll pay $80 monthly versus competitors' lower premiums but gain specialized coverage options through Simply Business's extensive provider network.
Average Cost of Professional Liability Insurance in Massachusetts
Professional liability insurance costs in Massachusetts vary by industry. Home-based businesses pay the lowest rates at around $39 per month, while mortgage brokers face the highest average costs at approximately $177 per month. You can find specific rates for your industry using the filtering tool below.
Data filtered by:
Select
| Accountants | $152 | $1,821 |
| Ad Agency | $104 | $1,245 |
| Auto Repair | $86 | $1,036 |
| Automotive | $79 | $947 |
| Bakery | $56 | $675 |
| Barber | $44 | $532 |
| Beauty Salon | $52 | $625 |
| Bounce House | $63 | $758 |
| Candle | $44 | $528 |
| Cannabis | $127 | $1,521 |
| Catering | $84 | $1,013 |
| Cleaning | $56 | $676 |
| Coffee Shop | $64 | $771 |
| Computer Programming | $108 | $1,297 |
| Computer Repair | $66 | $795 |
| Construction | $80 | $963 |
| Consulting | $114 | $1,371 |
| Contractor | $67 | $799 |
| Courier | $52 | $625 |
| DJ | $48 | $572 |
| Daycare | $115 | $1,378 |
| Dental | $88 | $1,058 |
| Dog Grooming | $57 | $689 |
| Drone | $113 | $1,358 |
| Ecommerce | $64 | $771 |
| Electrical | $68 | $818 |
| Engineering | $108 | $1,295 |
| Excavation | $71 | $856 |
| Florist | $40 | $482 |
| Food | $114 | $1,370 |
| Food Truck | $61 | $733 |
| Funeral Home | $84 | $1,005 |
| Gardening | $41 | $497 |
| HVAC | $84 | $1,011 |
| Handyman | $56 | $678 |
| Home-based business | $39 | $464 |
| Hospitality | $77 | $918 |
| Janitorial | $53 | $635 |
| Jewelry | $65 | $781 |
| Junk Removal | $71 | $849 |
| Lawn/Landscaping | $54 | $653 |
| Lawyers | $151 | $1,811 |
| Manufacturing | $64 | $769 |
| Marine | $91 | $1,097 |
| Massage | $113 | $1,356 |
| Mortgage Broker | $177 | $2,127 |
| Moving | $86 | $1,027 |
| Nonprofit | $53 | $632 |
| Painting | $68 | $810 |
| Party Rental | $58 | $699 |
| Personal Training | $73 | $880 |
| Pest Control | $98 | $1,170 |
| Pet | $48 | $578 |
| Pharmacy | $60 | $726 |
| Photography | $66 | $792 |
| Physical Therapy | $100 | $1,198 |
| Plumbing | $96 | $1,152 |
| Pressure Washing | $61 | $732 |
| Real Estate | $134 | $1,610 |
| Restaurant | $85 | $1,014 |
| Retail | $58 | $692 |
| Roofing | $104 | $1,243 |
| Security | $105 | $1,254 |
| Snack Bars | $50 | $605 |
| Software | $100 | $1,200 |
| Spa/Wellness | $114 | $1,374 |
| Speech Therapist | $102 | $1,228 |
| Startup | $76 | $909 |
| Tech/IT | $104 | $1,244 |
| Transportation | $100 | $1,203 |
| Travel | $102 | $1,226 |
| Tree Service | $80 | $963 |
| Trucking | $118 | $1,416 |
| Tutoring | $63 | $755 |
| Veterinary | $124 | $1,491 |
| Wedding Planning | $83 | $994 |
| Welding | $81 | $975 |
| Wholesale | $65 | $777 |
| Window Cleaning | $65 | $786 |
How Did We Determine These Massachusetts Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Massachusetts Professional Liability Insurance Cover?
Professional liability insurance in Massachusetts protects your business when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers the costs of these claims plus any legal fees you face defending your business.
This coverage goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (used mainly in health care and law)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Massachusetts?
Massachusetts doesn't require professional liability insurance for most businesses. You'll need $1 million per occurrence and $2 million aggregate coverage to meet client contract requirements. Insurance-licensed LLCs and LLPs must carry coverage under state regulations. Health care providers need $100,000 per occurrence and $300,000 aggregate minimum, though hospitals set higher limits.
Who Needs Professional Liability Insurance in Massachusetts?
If your work involves client contracts or risks of professional negligence, you'll need professional liability insurance to protect your Massachusetts business. Massachusetts' dominant industries face the highest exposure and require errors and omissions coverage.
Tech professionals
Massachusetts' technology sector accounts for 20% of the state's economic output with 3,000+ companies concentrated in Boston and Cambridge. Tech E&O insurance covers you against claims of software failures, data breaches, missed deadlines and intellectual property disputes in Massachusetts' innovation economy.
Life sciences professionals
Massachusetts hosts the world's largest life sciences cluster with 1,200+ biotech, pharmaceutical and medical device companies. Clinical trial errors, FDA compliance failures, product liability claims and regulatory violations expose you to significant financial risk in this heavily regulated industry.
Health care professionals
Massachusetts requires physicians to carry medical malpractice insurance with $100,000 per occurrence and $300,000 aggregate minimum coverage. Boston, Worcester and Springfield hospitals set higher limits before granting admitting privileges to practicing physicians.
Financial consultants
Financial services represent 25.3% of Massachusetts' private sector GDP, making Boston a global hub for wealth management and venture capital. Investment advisors, financial planners and consultants need coverage against claims of unsuitable advice, fiduciary breaches and regulatory violations.
Construction contractors professionals
Massachusetts clients require contractors to carry professional liability insurance before signing construction contracts. Coverage protects you against claims of design-build errors, project delays, cost overruns and building code violations during projects across the state.
How to Get the Best Professional Liability Insurance in Massachusetts
Our step-by-step guide walks you through how to get business insurance in Massachusetts that matches your professional liability needs and budget. Follow these six steps to find the right errors and omissions coverage for your business.
- 1Assess your professional liability insurance coverage needs
Understand your business risks and any client requirements you must meet. A Cambridge biotech consultant needs coverage for FDA compliance risks and clinical trial liability, while a Worcester freelance consultant serving small businesses focuses on missed deadlines and professional errors.
- 2Work with a local agent
Look for an agent who understands Massachusetts' innovation economy and how business insurance costs vary across industries. Agents familiar with the state can explain why a Boston financial advisor has different liability exposures than a Springfield manufacturing consultant, even with similar revenue.
- 3Get quotes and compare coverage details
Request quotes from at least three insurers, comparing both affordable business insurance rates and policy terms like retroactive dates and extended reporting periods. A Framingham IT consultant must examine whether policies cover data breach liability and intellectual property claims beyond comparing premium costs.
- 4Research the best providers
Find insurers with strong financial ratings, quick claims processing and experience covering Massachusetts' major industries like life sciences and technology. Check AM Best ratings and seek feedback from other professionals in Boston's biotech corridor or Cambridge's tech hub about their claims experiences.
- 5Consider bundling discounts
Massachusetts insurers provide better rates when you combine professional liability with other types of business insurance coverage like cyber insurance or business owner policies, which is valuable given the state's high concentration of data-driven businesses. A Lowell software development firm saves 18% annually by bundling professional liability, cyber and general liability coverage into one package.
- 6Don't let your coverage lapse
Professional liability operates on a claims-made basis, protecting you only from lawsuits filed during your active coverage period, regardless of when the work occurred. A Cambridge consultant moving between biotech startups needs tail coverage (an extended reporting period) when switching insurers to maintain protection for past work, given Massachusetts' frequent job mobility in innovation sectors.
Get Massachusetts Professional Liability Insurance Quotes
MoneyGeek can help you get professional liability insurance coverage in Massachusetts by matching you with top providers in your industry. Use our tool below to get your top company match and get tailored quotes for your business.
Get Matched to the Best MA Professional Liability Insurer for You
Select your industry and state to get a customized MA professional liability insurer match and get tailored quotes.
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Massachusetts Professional Liability: Bottom Line
Finding the right professional liability insurance in Massachusetts comes down to understanding your business risks and working with the right provider. ERGO NEXT earns our top rating, but your industry, client contracts and budget should guide your final decision. Assess your needs, then let a local agent help you compare options and secure coverage that financially protects your business from professional liability claims.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.