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Find Commercial Insurance Agents Near You in Harvard, MA
Looking for a commercial insurance agent in Harvard? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Harvard, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 2 commercial insurance agents in Harvard, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
D. Francis Murphy Insurance Agency
276 Ayer Rd, Harvard, MA 01451
(978) 772-0070
dfmurphy.com
Nikopoulos Insurance
206 Ayer Rd, Harvard, MA 01451
(978) 456-9700
nikinsurance.com
Commercial insurance agents in Harvard Massachusetts help local businesses secure coverage for property liability and workers compensation. Massachusetts law requires most employers to carry workers compensation insurance under M.G.L. Chapter 152. An agent can review your specific risks and find policies that meet state requirements.
What Does a Commercial Insurance Agent in Harvard Cost?
Typical costs for commercial insurance in Massachusetts range from 500 to 3000 dollars per year for a small business. A general liability policy may cost 400 to 800 dollars annually while workers compensation rates average 1.50 per 100 dollars of payroll. Costs vary based on industry location and coverage limits. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What types of commercial insurance does a Harvard agent offer?
Agents offer general liability property insurance commercial auto and workers compensation. They also provide professional liability and business interruption coverage for local companies.
Is commercial insurance required by law in Massachusetts?
Yes Massachusetts requires workers compensation insurance for most businesses with employees. Commercial auto insurance is also required for any business owned vehicles. An agent can help you meet these legal obligations.
How does a Harvard agent help with Massachusetts specific risks?
Agents understand local risks like winter weather damage and liability from public events. They also know Massachusetts insurance regulations and can help you avoid penalties for noncompliance.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.