Commercial Insurance That Means Business

At F&T Insurance Agency, we offer commercial insurance policies built to meet the real-world demands of businesses across Massachusetts, Rhode Island, Connecticut, and New York. From auto body shops and pizzerias to salons and contractors, we help protect your people, your property, and your bottom line—with coverage that fits your operation, not someone else’s template.

General Liability Insurance for Everyday Risks

Slip-and-fall claims. Client disputes. On-site accidents. Our general liability insurance helps protect your business from the risks that come with day-to-day operations. Whether you're running a shop in Providence or a contracting crew in Hartford, we make it easy to stay protected.

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Workers’ Compensation That Works for You

Injury happens—and when it does, workers’ comp coverage keeps your team supported and your business compliant. We offer policies for businesses large and small, with local guidance to help you understand what’s required in your state.

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Commercial Umbrella Insurance for Added Protection

When a major claim exceeds your other coverage limits, umbrella insurance steps in. It's smart protection for businesses with more to lose—especially in higher-risk fields like construction, manufacturing, and food service.

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Commercial Property Insurance That Covers the Essentials

Whether you lease or own, your property is core to your business. Our commercial property insurance covers your buildings, inventory, equipment, and more—tailored for everything from storefronts in Stamford to garages in New Bedford.

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Commercial Auto Insurance for Business on the Move

From single delivery vans to full fleets, we offer commercial auto policies that cover your vehicles, your drivers, and your business reputation. We’ll help you understand your exposure and find the right level of protection.

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Bond Insurance for Contract Confidence

Need to secure a bid or fulfill a contract? Our surety and bond insurance services provide the backing your business needs to win jobs and meet obligations—especially useful for contractors, service providers, and municipal vendors.

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Pollution Liability Insurance for Sensitive Jobs

Businesses working with hazardous materials or in regulated industries may need pollution liability coverage. We provide options that help cover cleanup, legal fees, and regulatory fines—so you're protected where it counts.

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