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Looking for a business insurance agent in Osterville? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Osterville, 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 4 business insurance agents in Osterville, 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.
Hannon-Murphy Insurance
43 Parker Rd, Osterville, MA 02655
(508) 428-6919
hannonmurphy.com
Germani Insurance Agency
908 Main St, Osterville, MA 02655
(508) 428-9194
germaniinsurance.com
Leonard Insurance Agency
683 Main St B, Osterville, MA 02655
(508) 428-6921
leonardagency.com
Hahesy Insurance Agency
901 Main St Suite I, Osterville, MA 02655
(508) 771-3355
hahesyinsurance.com
Osterville businesses face unique risks from coastal weather and seasonal tourism. A local business insurance agent can help you navigate Massachusetts mandatory workers compensation laws and find appropriate coverage for your shop restaurant or service company. Working with an agent who understands the Cape Cod market ensures your policy addresses both state requirements and local hazards.
What Does a Business Insurance Agent in Osterville Cost?
Business insurance costs in Massachusetts vary widely by industry and risk. A small Osterville retail shop might pay between $500 and $1,500 per year for a basic BOP. A restaurant with higher liability exposure could see premiums from $2,000 to $5,000 annually. Workers compensation rates are set by the state and depend on payroll and job classifications. This is general information and 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 business insurance do Osterville companies need?
Most Osterville businesses need general liability property insurance and workers compensation. Massachusetts law requires workers comp for almost all employers with one or more employees. A local agent can also advise on cyber liability and business interruption coverage for seasonal revenue dips.
How does Massachusetts coastal location affect insurance costs?
Osterville properties near the water may face higher premiums for wind and flood coverage. Massachusetts does not require flood insurance by law but mortgage lenders often do. An agent can help you find separate flood policies through the National Flood Insurance Program or private markets.
Can I bundle multiple business policies in Osterville?
Yes many agents offer business owner policies that combine general liability property and business interruption into one package. Bundling often reduces total premium costs. An agent can compare options from multiple carriers to find a suitable BOP for your Osterville operation.
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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.