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Covers the property you own, lease or rent. Whether a fire destroys your office or the pipes burst and destroy your office contents, this coverage will help replace your property. Massachusetts tech startups usually combine this coverage with General Liability coverage as a Business Owners Package (BOP) or a Commercial Package Policy (CPP).

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General Liability

General liability policy covers expenses related to out-of-court settlements, litigation, and court judgments. Your policy may include protection against lawsuits relating to Bodily injury, Personal injury or Advertising Liability

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Cyber/Data Breach Liability

A cyber liability or data breach insurance policy helps cover costs like notification of effected parties, public relations, identity protection solutions, liability and legal fees after a data breach occurs.

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Workers’ Compensation

Provides replacement for lost wages, disability, rehabilitation and medical benefits to workers who are injured or killed on the job. The premiums for Workers’ Compensation are based on the employer’s payroll and the type of duties the employees perform.

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Errors & Omissions

Is a type of professional liability insurance that protects companies and their workers against claims made by clients for negligent actions or inadequate work. These policies are designed to cover financial losses rather than liability for property damage or bodily injury.


Business Auto

Is an insurance policy that covers a company’s use of trucks, vans, or other vehicles in carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for your Massachusetts tech startup business purposes.

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Non-Owned and Hired Auto

This type of liability insurance covers bodily injury and property damage caused by a vehicle hired by your business (including rented or borrowed) or caused by non-owned vehicles (vehicles owned by others, including vehicles owned by your own employees).

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Commercial Crime

Commercial crime insurance covers money, securities and other property against various criminal acts, such as robbery, forgery, employee theft, extortion and computer fraud.


Product Liability

This type of insurance covers the seller or manufacturer’s liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product, defective design or failure to warn.

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Employment Practice Liability

This type of insurance covers companies against claims or lawsuits filed by employees, former employees and employment candidates regarding their employment relationship with an employer. This coverage protects the company, its directors, officers, current and former employees.

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Directors & Officers

This liability insurance is payable to the directors and officers of a company, or to the organization itself as reimbursement for losses or advancement of defense costs, if an insured suffers a loss as a result of a legal action for alleged wrongful acts in their capacity as directors and officers. This coverage can extend to defense costs arising out of criminal investigations and trials as well.

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Key Person Life Insurance

This type of insurance provides for life insurance on the key person in a business. For a small business, the key person is usually the owner, the founders or a key employee. It is basically coverage for the people who are crucial to a business, the ones without which the company could not continue.

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Employee Benefits – Health, Life, and Disability

Employee Benefits help a business attract and retain a motivated workforce. McSweeney & Ricci can help your business select the benefits package best suited to your business’ needs which can include Health Insurance, Life Insurance and Disability Insurance as well as many more.