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Free Tool · Business Formation

Open Your Business — Know the Cost Upfront

Answer a few questions and we'll build your formation quote and the exact licenses, permits, and insurance you'll need — by state and industry. No sales call.

We'll quote your formation now and map the universal permits, taxes, and insurance below. In your consultation we pin down any license specific to your exact business (food, salon, trades, childcare, alcohol, and more).

Hiring anyone triggers Workers' Compensation in every state we serve.

Your Formation Quote
$1,600
One-time
What's included
PAG professional fee (LLC formation)$1,000
Massachusetts state filing fee(gov. fee)$520
Corporate binder & embossed kit$80
Don't miss

MA's annual report is $500/yr — unusually high (most states are $25–$125). Budget for it.

What you'll also need

Licenses, permits, taxes & insurance for your situation. Government/third-party costs — not part of the quote above.

Licenses
Industry-specific licenses may applyIf applicable

Food service (health permit + ServSafe), salons/barbershops (cosmetology + shop license), childcare, alcohol (liquor license), and the trades (electrical/plumbing/HVAC) each carry their own state/local licensing. Tell us your exact business in the consultation and we'll map every license you need.

Varies by industry
Permits
DBA / trade-name registrationIf applicable

Required if you operate under any name other than the exact LLC legal name. Filed with the city/town clerk (or the Secretary of State in RI/NH/ME for LLC assumed names).

~$20–$125
Local permits (zoning / occupancy / signage)If applicable

If you have a physical location, confirm zoning allows your use BEFORE signing a lease, get a Certificate of Occupancy, and a sign permit. ⚠️ Check the lease for use-restrictions — they can block your business outright.

~$40–$500+ (local)
Taxes
Sales-tax registration (6.25%)Required

Jewelry is fully taxable in MA — the clothing exemption does NOT cover it. Register free on MassTaxConnect; file ST-9 (quarterly if liability $101–$1,200/yr, monthly above).

Free to register
Insurance
General Liability / BOPIf applicable

Third-party injury and property-damage coverage, usually required by landlords. A Business Owner's Policy bundles liability + commercial property.

~$700–$2,500/yr
Federal
Federal EIN (Employer ID Number)Required

Free from the IRS — needed for banking, hiring, and taxes. We obtain it for you as part of formation.

Free (included)
FinCEN BOI reportIf applicable

As of 2026, US-formed (domestic) LLCs are EXEMPT from beneficial-ownership reporting (March 2025 interim rule — foreign entities only). We re-verify at filing since this is litigation-sensitive.

$0 — not currently required

Estimate only. Final fees depend on your city/town, business activity, and current state filing fees. Licensing rules — especially for buying precious metals — are often municipal and change; we confirm everything before any filing.

Ready to Start?

Book a free consultation. We'll confirm your quote, handle the filing, and walk you through every license step-by-step — in English or Spanish.

Book a Consultation →LLC Formation Details