Offering Commercial Insurance Policies to Clients in Dracut, MA, and the Surrounding Areas

As a business owner, you work hard to keep your company running smoothly—from managing day-to-day operations to planning for future growth. But no matter how well you prepare, some risks are out of your control. Property damage, employee injuries, customer lawsuits, and auto accidents can all bring unexpected challenges and expenses.

That’s where commercial insurance comes in.

At Cloutier Insurance Agency, we help protect businesses in Dracut, MA, and across Massachusetts and New Hampshire with customized commercial insurance solutions. Whether you run a local storefront, operate a fleet of service vehicles, or manage multiple locations, we’ll help you find coverage that protects what matters most—your assets, your team, and your livelihood.

With more than 46 years of experience in the insurance industry, our team understands the unique risks business owners face. We partner with trusted insurance carriers to deliver policies that align with your specific needs and budget.

Why Commercial Insurance Matters

No matter the size or type of your business, having the right commercial insurance is essential to long-term stability. Even a single incident—such as a fire, theft, customer injury, or auto accident—can lead to massive financial losses. Without the proper coverage, these situations can result in out-of-pocket expenses, lawsuits, and even business closure.

Commercial insurance helps safeguard your business from the unexpected. It can provide coverage for:

• Property damage caused by fire, storms, or vandalism
• Legal costs arising from customer injuries or third-party claims
• Vehicle accidents involving your company-owned vehicles
• Employee injuries on the job
• Lost income due to a temporary closure
• And much more

Our team at Cloutier Insurance Agency works with business owners to ensure every potential risk is accounted for. We go beyond just offering a policy—we help you build a customized risk management strategy that supports your success.

Customized Commercial Insurance Solutions

At Cloutier Insurance Agency, we know that no two businesses are alike. That’s why we offer flexible, tailored insurance packages designed to meet your specific industry, size, and structure. From small business owners to larger corporations, we help clients build smart, affordable coverage plans.

Here are the core types of commercial insurance policies we offer:

1. General Liability Insurance

General liability insurance is one of the most important forms of protection for any business. It covers claims related to bodily injury, property damage, and personal or advertising injury caused by your business operations, products, or services.

Whether a customer slips on your floor, you accidentally damage a client’s property while on the job, or you face a lawsuit related to advertising, general commercial liability insurance can help cover legal fees, medical bills, settlements, and judgments. We’ll help you determine the right limits and policy terms to fully protect your company.

2. Commercial Property Insurance

If your business owns or leases a building, equipment, or inventory, commercial property insurance is essential. It protects your physical assets from damage or loss caused by fire, theft, vandalism, windstorms, and other covered events.

This type of insurance is especially important for retail stores, restaurants, manufacturers, and service-based businesses with on-site tools, equipment, and valuable inventory. We’ll help you assess the replacement value of your property and select coverage that ensures you can recover quickly from a disaster.

3. Commercial Auto Insurance

If you or your employees use vehicles for work purposes, commercial auto insurance is a must. It provides protection for accidents involving business-owned or leased vehicles, including liability, collision, comprehensive, and medical coverage.

From food trucks and delivery vans to contractor vehicles and company cars, commercial auto insurance ensures you’re covered in case of a crash, theft, or damage while on the job. We also offer fleet insurance for businesses with multiple vehicles.

4. Commercial Umbrella Insurance

Even the most comprehensive policies can have limits. Commercial umbrella insurance offers an additional layer of protection, extending the coverage of your general liability, commercial auto, and employer’s liability policies.

In the event of a large claim or lawsuit that exceeds your primary policy limits, commercial umbrella insurance can help cover the remaining costs. It’s an affordable way to significantly boost your protection and avoid devastating financial loss.

5. Workers’ Compensation Insurance

Workers’ compensation insurance is required in Massachusetts and New Hampshire for businesses with employees. It provides coverage for medical expenses, lost wages, and rehabilitation services if an employee is injured or becomes ill on the job.

Not only does workers’ compensation insurance protect your employees—it also protects your business from costly lawsuits related to workplace injuries. We’ll help ensure your policy meets state requirements while offering the best value for your business.

6. Specialty Coverage and Bonds

Every industry has unique risks, which is why we also offer specialty coverage options tailored to specific professions such as contractors, landscapers, healthcare providers, and more. Whether you need contractor’s liability insurance, cyber liability protection, or errors and omissions (E&O) coverage, we’ll craft a policy package that fits your needs.

We also offer commercial bonds, including surety bonds, contractor bonds, and fidelity bonds. These tools help build trust with clients and meet legal or contractual requirements.

Our Process: Personalized, Transparent, Reliable

When you work with Cloutier Insurance Agency, you’re not just buying a policy—you’re partnering with a trusted advisor. Our process is simple, personal, and built around your goals:

• Risk Assessment – We evaluate your business model, industry risks, number of employees, vehicles, property, and more.
• Policy Recommendations – Based on your needs, we offer quotes and explain the pros and cons of each policy option.
• Customized Package Creation – We bundle policies (such as commercial property insurance, general liability insurance, and commercial auto insurance) for cost savings and convenience.
• Ongoing Support – As your business grows and changes, we’re here to update your policy, answer questions, and provide guidance—every step of the way.

We also explore potential discounts for bundling, claim-free history, safety programs, and more to help you save money without sacrificing protection.

Industries We Serve

We proudly serve a wide range of industries throughout Dracut, MA, and surrounding areas, including:

• Construction and contracting
• Retail stores
• Restaurants and hospitality
• Professional services (consultants, attorneys, accountants)
• Real estate and property management
• Healthcare and wellness providers
• Transportation and delivery services
• Manufacturers and wholesalers

If you don’t see your industry listed, don’t worry. Our team can design commercial insurance solutions for nearly any type of business. Just give us a call and we’ll walk you through your options.