Business Insurance That Works as Hard as You Do

Running a business is both exciting and challenging, and with that comes the responsibility of protecting everything you’ve worked so hard to build. The right business insurance can safeguard your company’s vehicles, property, employees, and financial stability, while also protecting you from unexpected risks that could interrupt your operations. At Sterling Insurance, we specialize in helping business owners throughout Greater Beverly, the North Shore, and beyond find comprehensive, cost-effective insurance solutions tailored to their specific industries and needs.

Customized Protection for Your Unique Business
Every business is different, which is why we take the time to understand how you operate, what assets you rely on, and the challenges you face. Whether you own a small retail shop, manage a bustling restaurant, run a professional office, or operate a construction company, we can design an insurance package that addresses your exact exposures. We assess your physical premises, business property, equipment, intellectual property, employees, customers, contracts, and more to create a plan that grows and adapts with your business.

Access to Top-Rated Carriers and Competitive Rates
As an independent insurance agency, Sterling Insurance works with multiple top-rated insurance companies. This allows us to shop the market on your behalf, compare options, and negotiate the best possible rates without compromising on coverage. We are proud to offer competitive, no-obligation quotes, and we continually review your policies at renewal to ensure they remain up-to-date, competitive, and aligned with your current needs.

Hands-On Service From Start to Finish
Our commitment to you doesn’t end once your policy is issued. We provide ongoing policy reviews, proactive communication, and expert guidance. And if you ever need to file a claim, our experienced team will be there every step of the way, from the first report to the final resolution, making the process smooth, transparent, and stress-free.

Business Insurance Coverages We Offer Include:

  • Commercial Auto Insurance

  • Business Owners Coverage (BOP)

  • Workers’ Compensation

  • General Liability Insurance

  • Commercial Umbrella Liability

  • Commercial Property Insurance

  • Master Condominium Coverage

  • Contractors Equipment Coverage

  • Builder’s Risk Insurance

  • Professional Liability (Errors & Omissions)

  • Directors and Officers Liability

  • Liquor Liability Insurance

  • Bonds

Why Choose Sterling Insurance for Your Business Coverage?
For nearly a century, Sterling Insurance has been a trusted partner for business owners across Massachusetts. We combine deep local knowledge with industry expertise to help you protect your assets, employees, customers, and reputation. When you work with us, you get more than just a policy, you gain a dedicated team committed to safeguarding your success so you can focus on running and growing your business with confidence.

dog in front of tractor

Recent Industries We’ve Successfully Written Insurance For:

Dentist Office, Ground-Up Construction Condominium Complex, Garage Keepers, Plumbing, Masonry, Landscaping, Electrician, Cleaning, Law Office, Photography, Massage Therapist, Auto Repair, Auto Sales, Chimney Sweep, Financial Services, Technology/Software, Restaurant, Marijuana Cultivation, Accountant

Hear From Our Clients

“I’ve had the opportunity to work with Sterling Insurance and they’re fantastic. I wouldn’t suggest any other insurance company. Best prices with the best rates. There professional and always get back to you in a timely fashion. Make the right move call sterling.”

Justin M

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    More About Our Business Insurance

    Commercial Auto Policy Highlights

    • Broad range of eligible classes including Building and Trade Contractors, Service and Retail Trucks, Dump, Plow, Sand/Gravel and Waste Disposal Vehicles, just to name a few.
    • A variety of competitive rating programs based on risk qualifications.
    • Unlimited number of vehicles on the policy.
    • Combined single limits up to $1 million with higher limits if required by government filings.
    • Massachusetts and Florida garage policies for dealerships, including used car dealers and repairs shops where eligible.

    Additional Commercial Auto Coverages Include

    • A FREE Enhanced Coverage Endorsement for qualifying policies which includes a variety of additional coverages.
    • An Enhancer Plus endorsement which provides even greater coverage options for an additional charge.
    • Errors and Omissions Liability Coverage for qualifying new and used Auto Dealers.
    • Coverage for Transportation of Customer’s Autos for qualifying repair shops involved in towing.

    Businessowners Insurance Policy Highlights

    Types of businesses covered under our Businessowners program:

    • Contractors such as Electricians, Landscape Gardening, Plumbing, Masonry, HVAC, Painting and Home Improvement.
    • Retail businesses such as Beauty Parlor/Nail Salons, Gift Shops, Florists, Barbers, Photography Studios, Appliance stores and Computer Stores.
    • Apartments and Condominiums.
    • Offices including Accountant/Bookkeeping, Advertising, Dentists, Lawyers, Physicians, Real Estate, Travel Agencies.
    • Restaurant – Bistros, Cafes, Bakeries, Family and Fine Dining and much more.

    The Following Product Features are Available Under our Businessowners Program

    • Building, personal property and business income.
    • Umbrella for those who qualify.
    • Liability for all programs.
    • Equipment Breakdown Coverage is automatically included on all classes except for contractors at no additional charge.

    Additional Businessowner Coverages Include

    • Enhancer Endorsement providing a variety of additional coverages and limits including Identify Theft Expense.
    • Contractors Enhancer including additional coverages and a limit extended for Care, Custody or Control.
    • Variety of Contractor Endorsements to meet the insurance need for particular jobs. Coverage for Tools, Equipment and Material to be installed can be added for a competitive price.
    • Professional liability coverage for Barbers and Beauticians, Florists, Funeral directors and Optical/Hearing Aid businesses.

    Adding Value to your Business Insurance Policy

    Our value added services for business customers include:

    • SafetyAdvisorSM
    • SafetyAdvisorSM is a virtual library that delivers the accident prevention and safety related information you need to improve your daily operations. Safer business means better business.
    • SafetyAdvisorSM Features:

    Customizable and Specific Prevention Information

    • Restaurants.
    • Apartments and Condominiums.
    • Commercial Automobiles.
    • Contractors.
    • Retail Services.
    • Auto Dealers and Repairers.
    • Hundreds of safety documents for safety policies, checklists and even posters!

    Our Services