Massachusetts Bakery businesses pay $135–$675/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Boston | $209–$1,046/mo | Compare → |
| Worcester | $169–$844/mo | Compare → |
| Springfield | $155–$776/mo | Compare → |
| Cambridge | $216–$1,080/mo | Compare → |
| Lowell | $162–$810/mo | Compare → |
| Brockton | $159–$797/mo | Compare → |
| New Bedford | $149–$743/mo | Compare → |
| Quincy | $182–$911/mo | Compare → |
| Lynn | $162–$810/mo | Compare → |
| Fall River | $149–$743/mo | Compare → |
| Middlesex County | $203–$1,013/mo | Compare → |
| Worcester County | $169–$844/mo | Compare → |
| Essex County | $176–$878/mo | Compare → |
| Suffolk County | $209–$1,046/mo | Compare → |
| Norfolk County | $189–$945/mo | Compare → |
| Hampden County | $155–$776/mo | Compare → |
| Bristol County | $155–$776/mo | Compare → |
| Plymouth County | $162–$810/mo | Compare → |
| Barnstable County | $149–$743/mo | Compare → |
| Hampshire County | $155–$776/mo | Compare → |
Bakery businesses in Massachusetts typically pay $135–$675/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Massachusetts doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Bakery businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Massachusetts for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Bakery policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Massachusetts cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.