327 Gorham Street Lowell, MA 01852

tel 978-459-0505

fax  978-934-8761

toll free 800-783-0505









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Business Insurance
The James L.Cooney Agency offers the following types of Business Insurance:

Business Owners Policies:

If you own a small to medium sized business, you may be eligible for a commercial ‘package policy’ which provides property and liability coverage. Business Owners Policies offer a variety of coverage options bundled in a package and can be purchased at prices as low as $350.00.

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Worker's Compensation Policies:

In Massachusetts the law requires all corporations to carry Worker’s Compensation Insurance. Please contact us to discuss this important worker's compensation regulation. We represent many companies that offer attractive premiums as well as generous dividend programs.

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Commercial Property Insurance:

Commercial Property insurance provides protection for your buildings and business contents located on your business premises. All businesses need this coverage to protect their assets. We represent many A-Rated companies that provide the best protection at great prices.

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Commercial Liability Insurance:

Liability insurance provides protection for you and your business for damages you may unintentionally cause, such as bodily injury, advertising injury, and property damage to others. All businesses need this coverage. Liability losses and defense costs can mount very quickly when someone brings suit against your business.

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Builder's Risk Insurance:

Provides coverage for buildings and structures during the course of construction or renovation. Our Builder’s Risk Policies are comprehensive and the rates are very affordable.

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Professional Liability Insurance and Errors and Omissions Insurance:

Provides liability coverage for professionals such as doctors, nurses, lawyers, accountants, computer consultants, insurance agents, real estate brokers, and other professionals who have a duty to perform to the standards dictated by their industry. It provides protection for errors or omissions that may occur during the course of their business. Our companies offer a variety of coverages for all types of professionals.

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Time Element Coverage:

This provides insurance coverage for businesses that cannot continue their normal operations because they have suffered a loss, such as a fire or other loss, that is covered under their property insurance. This is a specialized coverage that can be included in a Business Owners Package Policy, but many larger businesses may need to purchase it separately. Contact us for more information about this very important coverage.

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Inland Marine Policies:

If you have any of the following exposures, you may need to purchase an inland marine insurance policy:

Imports, Exports, Domestic Shipments, Bridges, Tunnels and Other Instruments of Transportation and Communication, Jewelry, Property in transit, Physicians & Surgeon's Equipment.

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