How much does IT Consultant insurance cost in Boston, Massachusetts?

The estimated annual cost for a IT Consultant in Boston with one employee is between $795 and $1169. The state base rate is $1100.

What insurance is required for a IT Consultant in Massachusetts?

In Massachusetts, businesses are subject to a 6.3% insurance tax. IT Consultants typically need General Liability due to a risk factor of 0.8.

IT Consultant Insurance Cost in Boston, Massachusetts (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$795-$1169

Estimated Annual Premium

Monthly Average Breakdown

$78 / mo

Includes General Liability

Industry Risk Profile

IT consulting has low physical risk but requires Professional Liability (E&O) insurance to protect against data breaches and software failures.

Risk Factor0.8x

Location Factors

State Base Rate$1100
Boston Multiplier1x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Boston?

While Massachusetts law may not mandate it for all businesses, IT Consultants often need proof of insurance to bid on local commercial projects in Boston.

Why is the rate different here?

Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.

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