Business Insurance
In New Hampshire
Protect what you’ve built with coverage you can rely on—day in and day out.
Over 70 Years of Service
40+ Top-Rated Carriers
98% Client Satisfaction
Independent - Your Interests First
Business Insurance
Whether you own a small business or a large one, the benefits of Business insurance are numerous. And many business owners may not have the time to assess their insurance needs. With the many types of Business insurance available, determining which coverages will best protect the enterprise makes for a complicated and difficult process. But the consequences of not being properly insured can be disastrous, not only for the business but also for the business owner personally.
Although policies can vary based on the type of business that you own, the basics of Business insurance include the following:
- General liability insurance is highly recommended, regardless of the type of business that you own. This coverage protects you against injuries that may occur to customers or the property that they own.
- Professional liability insurance is also an important part of any business’s insurance portfolio and may include:
-
- D&O ~ Directors & Officers Liability (Commercial & Residential Condominium Associations, Non-Profits, etc.)
- Fiduciary Liability
- Crime Coverage
- Cyber Coverage
- EPL ~ Employers Professional Liability
- Miscellaneous Professional Liability (Real Estate, Property Managers, Consultants, etc.)
-
- Commercial auto or commercial truck insurance is another aspect of Business insurance that should be considered if using vehicles as part of your business. Private passenger insurance will explicitly exclude any coverage for claims arising from the use of these vehicles for your business.
The best way to determine what type of Business insurance you should purchase is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several top insurance companies.
Let’s Get Started
Reach out today for a quote or guidance on your insurance options.
Get Your Business Insurance Quote Today
Our licensed staff is ready to help you get multiple Business Insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.
Frequently Asked Questions
What type of business insurance do you need?
The type of business insurance you need depends on what you’re doing. For instance, a web designer probably doesn’t need a commercial auto policy but does need a Professional Liability Policy. While a contractor has no need for Professional Liability but does need commercial auto. The best way to determine what coverage your specific business needs is by talking to a licensed agent.
What insurance is required to run a small business?
Owning a small business is an amazing achievement. Insuring it correctly is critically important. Your insurance needs depend on what your small business does. Some business can get away with minimal coverages while others need very comprehensive coverage for more complex businesses. Talk to an agent for advice on what types of coverage your business needs.
How much does business insurance cost?
The cost of business insurance varies tremendously based on what coverage you need. Professional Liability for instance may only be $150 a month while commercial truck insurance may cost upwards of $5,000 a month. The only way to know is to get a quote from a licensed insurance agent.