fbpx

Jeffrey Towle Receives Honorary Alumni Award From New England College

Owner of Davis & Towle Insurance Group Recognized for Contributions to NH Educational Institution

 

On Friday October 1st, 2021, New England College (NEC) presented the honorary alumni award to Jeffrey Towle, president of Davis & Towle Insurance Group. The award is given to a deserving non-alumni member of the New England College community, recognizing the individual’s outstanding loyalty, dedication, and service beyond expectation.

“Jeffrey Towle has been a stalwart member of the board of trustees at New England College since 1996, serving on numerous committees including development, infrastructure, audit, and trusteeship,” said Bill Deptula, Vice President of NEC.

Deptula went on to acknowledge Jeffrey and the Davis & Towle Insurance organization as a critical corporate partner that the college has relied on for their insurance needs over the years. As a parent of two New England College alumni, Jeffrey was further celebrated as a generous benefactor to several of the College’s most important and pressing needs.

The ceremony took place at Putnam Performing Arts Center where his son, Ryan Towle, provided opening remarks regarding his father’s impact on the community, and involvement with New England College. He lightheartedly joked about his father’s lifelong aversion to public recognition, before going on to explain the steadfast nature of Jeffrey Towle’s commitment to the Henniker community, and his ongoing legacy of giving back.

When speaking on the cornerstone values that his father has taught him, Ryan Towle said, “I have learned (to) be thoughtful when you give. Give where you foresee the greatest impact in a positive way, making a difference in people’s lives…Be a leader and a role model. In that, inspire others to give and make investments in our communities and institutions”.

About Davis & Towle Insurance Group:

Davis & Towle Insurance Group, founded in 1954, is one of New Hampshire’s largest locally owned, independent insurance agencies. They proudly meet their client’s needs with a wide range of personal and business insurance solutions, from top-rated carriers.

Ryan Towle presenting NEC award

Ryan Towle providing opening remarks before the award presentation for Jeffrey Towle

Jeffrey Towle Award At New England College

Jeffrey Towle Presented Honorary Alumni Award by the New England College community in October of 2021

NH Auto Insurance Discounts – Pay Less For Car Insurance

Over 10 Types of NH Auto Insurance Discounts

At any point you could qualify for a car insurance discount from a specific carrier – in fact, you may qualify for many. That’s what’s so great about working with us; you can access different discounts from many carriers in one place, rather than being restricted to the options of only one.

We’re here to help you determine not only which discounts you qualify for, but which will give you the most savings on your NH car insurance policy.

Here are the NH Auto Insurance Discounts you can access through us:

 

Car Feature Related Discounts

Anti-Lock Brakes:

You’ve probably seen the “ABS” feature on a vehicle. They’ve become a standard feature on almost all modern cars today. As such, most insurance companies offer an anti-lock brakes car insurance discount.

Anti-Theft:

Some of our car insurance carriers offer noteworthy discounts to our client’s with an anti-theft device in their car. These tools safeguard cars against theft. Savings may vary based on the type of device installed, whether it was factory installed or driver installed, and other factors. This article from Car And Driver dives into some of the best anti-theft devices available for our client’s vehicles.

Passive/Active Restraints

One of the most common NH auto insurance discounts offered by our carriers, is the passive restraint discount. In general, vehicles with automatic restraint systems that automatically activate without input from the driver (typically seatbelts or airbags) qualify for this discount.

 

Auto Policy Related Discounts

Multi Car:

For clients who have more than one car in their household, we’ll place you with a carrier who can offer a discount for insuring more than one car with them.

Multi Policy:

If you need more than one personal insurance policy, we have carriers who will give you a discount when you protect all of your personal needs, with them. Placing yourrenters insurance, homeowners insurance, car insurance, RV insurance or otherwise with the same carrier, is a great opportunity to save on your NH car insurance!

Paid In Full

Several of our carriers offer substantial discounts on auto insurance, but you must pay the entire cost of the policy up front.

Loyalty Discounts

This is a newer discount that a few of our carriers have started offering to NH auto insurance customers. In return for staying with the same insurance company for a pre-specified period of time, you would be eligible for a loyalty discount on your policy moving forward.

Paperless Discounts

We have carriers who give a discount on your auto insurance if you choose to have documents emailed instead of mailed.

Advance Quote Discount

Some of our carriers will pay when you plan ahead for your auto insurance! They offer a discount if your coverage start date is a specifc amount of time later than the date you request your initial premium quote (usually about 7 days later). 

 

Driver Related Car Insurance Discounts

Safe Driver

We have options from car insurance companies that offer discounts for safe driving as one way to save you money on your coverage. These carriers will allow you to sign up for their safe-driving program, as long as you allow them to attach their safe-driving device to your car for safety monitoring.

Good Student

Young drivers who earn good grades in school are eligible for good student discounts on their auto insurance policies.

Driver Training

Taking a driver safety course can help you get a car insurance discount with many of our carrers.

Taking advantage of the right car insurance discount for your life, is easy when you can access and compare many of them in one place. Give us a call or start your free quote online, to compare your NH car insurance discounts.

NH Job Opening Commercial Lines Insurance Agent – We’re Hiring in Concord NH

Job Posting: Hiring NH Commercial Lines Insurance Agent

Posted 8-26-21 | Apply By 9/26/21

Davis & Towle Insurance Group
Office Located: 115 Airport Road, Concord NH 03301

OVERVIEW

Davis & Towle Insurance Group offers an exciting opportunity for a rewarding career. Our company is looking for a NH Commercial Lines Insurance Agent to join our organization at our Concord location. If you are customer-focused and have a strong desire to succeed, you may be the perfect candidate. Experience is preferred, but we are always willing to train the right applicant who exhibits drive and enthusiasm.

JOB RESPONSIBILITIES

  • Make sure carriers are informed about changes to coverage.
  • Meet or speak with clients throughout the day, providing information about policies, coverage details, and premiums.
  • Assist clients with evaluating their protection needs and policy options.
  • Keep detailed records of policy information, schedules, and client correspondence in our account management system.
  • Process insurance policy renewals.
  • Maintain a knowledge of insurance products offered by our carriers.
  • Market policies across multiple carriers and obtain underwriting approval through completion of coverage application.
  • Complete continuing education as needed.

 

JOB SKILLS

  • Well organized with great time management abilities.
  • Must enjoy speaking with clients throughout the day.
  • Must demonstrate ability to respond to requests, phone calls and emails in a timely manner.
  • Easily adapt to a fast-paced environment, demonstrating professionalism in a team environment.
  • Exhibit proactive problem-solving and decision-making abilities, maintaining confidences at all times.

QUALIFICATIONS

Required:

  • Must be willing to study and get licensed as a NH insurance agent, if not already.
  • College degree, or equivalent combination of some college education & experience

Preferred:

  • Sales or customer service experience
  • Insurance industry knowledge

 

THIS IS A SALARIED POSITION WITH A GREAT BENEFITS PACKAGE.

APPLY TODAY:

Email your resume and cover letter to Chuck Hamlin.

Chamlin@davistowle.com

About Davis & Towle

The Davis & Towle Insurance Group has 8 agencies throughout the state and is one of the largest local insurance brokerages in NH. We provide clients with personal insurance, business insurance, and life & health insurance among other products. Our pooled resources benefit our agents by allowing them to meet their clients’ coverage and budget needs easier. We represent most of the “agency friendly” markets that are admitted in NH, and work closely with carriers to accurately place our client’s coverage needs. 

www.davistowle.com

Personal Lines Insurance Agent Job Opening in NH – We’re Hiring in Concord NH

Job Posting: Personal Lines Insurance Agent

Posted 8-26-21 | Apply By 9/26/21

Davis & Towle Insurance Group
Office Located: 115 Airport Road, Concord NH 03301

Overview

Davis & Towle Insurance Group offers an exciting opportunity for a rewarding career. Our company is looking for a Personal Lines Insurance Agent to join our organization at our Concord location. If you are customer-focused and have a strong desire to succeed, you may be the perfect candidate. Experience is preferred, but we are always willing to train the right applicant who exhibits drive and enthusiasm. 

Job Responsibilities

  • Make sure carriers are informed about changes to coverage.
  • Meet or speak with clients throughout the day, providing information about policies, coverage details, and premiums.
  • Assist clients with evaluating their protection needs and policy options.
  • Keep detailed records of policy information, schedules, and client correspondence in our account management system.
  • Process insurance policy renewals.
  • Maintain a knowledge of insurance products offered by our carriers.
  • Market policies across multiple carriers and obtain underwriting approval through completion of coverage application.
  • Complete continuing education as needed. 

 

Job Skills

  • Well organized with great time management abilities.
  • Must enjoy speaking with clients throughout the day. 
  • Must demonstrate ability to respond to requests, phone calls and emails in a timely manner. 
  • Easily adapt to a fast-paced environment, demonstrating professionalism in a team environment.
  • Exhibit proactive problem-solving and decision-making abilities, maintaining confidences at all times.

Qualifications

Required:

  • Must be willing to study and get licensed as a NH insurance agent, if not already. 
  • College degree, or equivalent combination of some college education & experience

Preferred:

  • Sales or customer service experience
  • Insurance industry knowledge

 

THIS IS A SALARIED POSITION WITH A GREAT BENEFITS PACKAGE.

APPLY TODAY:

Email your resume and cover letter to Chuck Hamlin. 

Chamlin@davistowle.com

 

About Davis & Towle

The Davis & Towle Insurance Group has 8 agencies throughout the state and is one of the largest local insurance brokerages in NH. We provide clients with personal insurance, business insurance, and life & health insurance among other products. Our pooled resources benefit our agents by allowing them to meet their clients’ coverage and budget needs easier. We represent most of the “agency friendly” markets that are admitted in NH, and work closely with carriers to accurately place our client’s coverage needs. 

www.davistowle.com

Insurance for College Students – Coverage Considerations

Insurance for College Students – Coverage Considerations

When your college student leaves for school, there are some implications that could impact your coverage needs, but it’s easy enough to handle! Let’s get started.

When your child leaves for college, it is a big event. Once you are done worrying about what to pack and how you will get it all to campus, you should think about your insurance coverage and how it could change with your son or daughter away at school. You should be sure to check your coverage if your student is:

  • Moving more than 100 miles away
  • A member of any of the school’s intercollegiate sports teams
  • Living in an off-campus residence
insurance for college students

Overview of Coverage that could change when your child leaves for college:

  • Your auto policy could be modified depending on whether your son or daughter takes the family car to school
  • Your homeowners’ policy may not cover your student’s belongings
  • Your health insurance probably covers full-time students, but are there in-network providers nearby?

Continue reading for more insight on these insurance implications, and how to handle them.

Property Insurance for College Students

Protecting Your Student’s Belongings

It is crucial that you contact Davis & Towle Insurance Group about the rules and limitations of your coverage when it comes to your son or daughter’s dorm room. If you’re purchasing big-ticket items to compliment their schooling like a laptop, you’ll also want to talk to your agent to make sure those items are specifically covered for their value.  Many homeowners’ policies consider a dorm room an extension of your home, so all items your child keeps there will be covered to some extent. But if your child lives off-campus, his or her possessions may not be covered. You may want to consider renter’s insurance, so call our NH Insurance agency at 603-225-6611 for more information.

Car Insurance For College Students

Changing Auto Coverage at School

If your son or daughter moves more than 100 miles away from home to attend school and does not keep a vehicle there, your car insurance premiums could decrease by as much as 30 percent. Inform Davis & Towle Insurance Group, and you will save money as well as keep coverage for your child while he or she is home for vacation.

Health Insurance for College Kids

Keeping Your Child Healthy While on Campus

Since 2014, children up to age 26 can stay on their parent’s employer plan even if they have another offer of coverage through an employer. This rule applies to all plans in the individual market and to new employer plans. It also applies to existing employer plans unless the adult child has another offer of employer-based coverage (such as through his or her job).

If you find your child does not have adequate coverage under your plan for any reason, you have a few options. Most universities have their own health plans, but some policies have low deductibles and low coverage maximums. However, new rules prohibit any pre-existing condition from being imposed by group health plans or group health insurance coverage, and extend this protection to individual health insurance coverage. This prohibition generally is effective with respect to plan years beginning on or after Jan. 1, 2014. However, for enrollees who are under 19 years of age, this prohibition took effect for plan years beginning on or after Sept. 23, 2010. It may be better to consider an individual policy for your student depending on his or her needs, so contact Davis & Towle Insurance Group to make sure you’re covered.

 

Q/A: Common Questions About Insurance for College Students

Q: Will my child’s belongings be covered if his/her dorm is subject to theft, fire or other disasters?

A: Usually homeowners’ policies extend to a campus dorm room, but only up to a certain amount. If your student has expensive items, consider getting more coverage.

Q: Will my child’s belongings be covered if he/she lives in off-campus housing?

A: It depends. Call 603-225-6611 to determine whether your student’s property would be protected under your homeowners’ policy. If not, consider purchasing renter’s insurance, which ranges from $15 to $30 per month and also provides liability coverage if anyone is injured in the residence.

Q: What happens if my student gets seriously injured while at school?

A: This is a very real possibility, so it is important to contact Davis & Towle Insurance Group to discuss your health plan and whether there are providers near your child’s university or college.

Q: Does my child need to be a full-time student to be covered under my health plan?

A: No. Your child is eligible as long as they are under 26 years old.

Q: Can I get a discount on my auto policy if my young driver is away at school?

A: Usually you can, provided your son or daughter attends a school that is more than 100 miles away from your home. Your auto policy could also change if he or she takes a car to school, so be sure to contact Davis & Towle Insurance Group.

Contact us to review your coverage, and make sure your college student has the insurance and protection they need.

Disclaimer: This brochure is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2009, 2013 Zywave, Inc.

Are You Taking Full Advantage of Insurance Discounts?

new hampshire insurance discounts

As I’ve mentioned before, it’s hard to watch any sort of television program without seeing an insurance advertisement at some point. I also have already expressed my views on the commercials that attempt to be cute, so we won’t go there.

However, while some of the commercials bring up legitimate points regarding discounts that are available, I’ve yet to see one that really explores the breadth of available discounts that are available on homeowner insurance policies. So, let’s go there instead.

Multi-Policy Insurance Discounts (also known as bundling!)

For starters, almost every insurance company we use offers a package discount. This means you will receive a certain percentage off of your home and/or auto insurance policies by having the same insurance company write the coverage.

(Heard enough? Get a free insurance quote and we’ll see which premium discounts you’re eligible for).

Next, there are discounts that are available for various protective devices.

This includes discounts for centrally-monitored burglar and/or fire alarms, automatic water shut-off systems, water leakage detection systems, gas leakage protection systems, lightning protection systems, whole house permanent backup generators and more. In short, if you have any type of system in place to prevent a small issue from becoming a large one, contact us to find out if we can get you a discount on your NH homeowners insurance.

Finally, there are insurance discounts that accumulate over time.

These include claims-free discounts along with loyalty discounts (insert vinyl record screeching to a stop sound). Yes, that’s right – loyalty discounts! Despite what some insurance companies make you want to believe, changing insurance companies from year to year isn’t always the best way to save premium. Many insurance companies reward their policyholders by giving them loyalty discounts, or in some cases, diminishing deductibles. Therefore, it can certainly pay to remain with the same insurance company for an extended period of time!

While saving money is always a good thing – and I encourage you to explore all of the discounts for which you are eligible – keep in mind that insurance is there for a reason: protection against loss. The cheapest policy isn’t necessarily going to do what you would like it to do when the unthinkable happens and you face financial disaster. As we recently saw with the tornadoes that devastated the greater Dayton area, those who were affected wanted their insurance policies to respond, as cute commercials and cut-rate policies weren’t going to replace everything that was lost.

Take the time to not only review your available discounts with your trusted insurance agent, but review your available coverage options with him or her as well!

Post authored by Marc McNulty. Originally published July 9, 2019. View original post at: https://wp.me/p1Iv7E-37w

Products underwritten by Central Mutual Insurance Company and affiliated companies.

Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

Whether you need to protect your car with New Hampshire auto insurance or your home with Concord home insurance, want insurance for the possessions in your apartment or need a general umbrella policy for added safety, our agents will provide you with policies that fit your needs. We can help protect you against life’s twists and turns, while empowering you with options and insight.
How Employee Safety Programs Can Lower Costs For Your NH Business

How Employee Safety Programs Can Lower Costs For Your NH Business

With help from employee safety programs, you can save your company money, improve productivity and increase employee morale on the road. Here’s how.

According to the Occupational Safety and Health Administration (OSHA), workplaces that establish safety and health management systems can reduce their injury and illness costs by 20 to 40 percent. Safe environments also improve employee morale, which positively impacts productivity and service. When it comes to the costs associated with safety, consider the following statistics from OSHA:

 

  • U.S. employers pay almost $1 billion per week for direct workers’ compensation costs alone, which comes straight out of company profits.
  • Injuries and illnesses increase workers’ compensation and retraining costs.
  • Lost productivity from injuries and illnesses costs companies roughly $63 billion each year.

In today’s business environment, these safety-related costs can be the difference between reporting a profit or a loss. Use these NH business insurances tips to understand how safety programs will directly affect your company’s bottom line.

The Cost of Safety – Measurement

Demonstrating the value of safety to management is often a challenge because the return on investment (ROI) can be cumbersome to measure. Your goal in measuring safety is to balance your investment vs. the return expected. Where do you begin?

There are many different approaches to measuring the cost of safety, and the way you do so depends on your goal. Defining your goal helps you to determine what costs to track and how complex your tracking will be.

For example, you may want to capture certain data simply to determine what costs to build into the price of your service, or you may want to track your company’s total cost of safety to show increased profitability, which would include more specific data collection like safety wages and benefits, operational costs and insurance costs.

There are many different approaches to measuring the cost of safety, and the way you do so depends on your goal.

Since measuring can be time consuming, general cost formulas are available. A Stanford study conducted by Levitt and Samuelson places safety costs at 2.5 percent of overall costs, and a study published by the Economist Intelligence Unit (EIU) estimates general safety costs at about 8 percent of payroll. 

If it is important for your organization to measure safety as it relates to profitability, more accurate tracking should be done.

For measuring data, safety costs can be divided into two categories:

Direct (hard) costs, which include the following:

  • Safety wages
  • Operational costs
  • Insurance premiums and/or attorney’s fees
  • Accidents and incidents
  • Fines and/or penalties

Indirect (soft) costs, which go beyond those recorded on paper, such as the following:
    • Accident investigation
    • Repairing damaged property
    • Administrative expenses
    • Worker stress in the aftermath of an accident resulting in lost productivity, low employee morale and increased absenteeism
    • Training and compensating replacement workers
    • Poor reputation, which translates to difficulty attracting skilled workers and lost business share

    When calculating soft costs, minor accidents costs are about four times greater than direct costs, and serious accidents are about 10 to 15 times greater, especially if the accident generates OSHA fines or litigation costs.

    According to the International Risk Management Institute (IRMI), just the act of measuring costs will drive improvement. In theory, those providing the data become more aware of the costs and begin managing them. This supports the common business belief that what gets measured gets managed. And, as costs go down, what gets rewarded gets repeated.

    The Value of Safety At Work

    OSHA studies indicate that for every $1 invested in effective safety programs, you can save $4 to $6 as illnesses, injuries and fatalities decline. With a good safety program in place, your costs will naturally decrease. It is important to determine what costs to measure to establish benchmarks, which can then be used to demonstrate the value of safety over time. 

    Also, keep in mind that your total cost of safety is just one part of managing your total cost of risk. When safety is managed and monitored, it can also help drive down your total cost of risk.

    Considering the statistics, safety experts believe that there is direct correlation between safety and a company’s profit. We are committed to helping you establish a strong safety, health and environmental program that protects both your workers and your bottom line. Contact us today at 603.225.6611 to learn more about our value-added services.

    Homeowners Insurance and the Rising Cost of Building Materials

    Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber. According to the NAHB, current lumber costs are up 340% from 2020. What’s more, lumber prices have already risen by an additional 67% since the beginning of 2021.

    There are several reasons for these higher expenses. Specifically, both the COVID-19 pandemic and the presence of historically low interest rates have contributed to a rise in home purchases and renovation projects—thus elevating the demand for building materials. Nevertheless, this increase in demand has been met with supply shortages throughout the construction industry. In the midst of greater demand and lower supply, building material prices have subsequently soared.

    Unfortunately, this surge in costs could pose coverage consequences for homeowners across the country. After all, increased building material and construction prices could lead to higher homeowners insurance claim expenses, seeing as it would currently cost more to repair or rebuild a home following a loss.

    As a result, homeowners in New Hampshire could discover that their existing policy limits and coverage features no longer offer adequate protection—leaving them financially vulnerable in the event of a loss. Further, homeowners insurance carriers may increase policyholders’ premium costs to account for the risk of elevated claim expenses.

    In light of these ongoing cost concerns, it’s important for homeowners like you to respond accordingly. As such, consider taking the following measures:

    Review Your Homeowners Insurance Policy.

    Be sure you fully understand your homeowners insurance policy. Take note of whether you have replacement cost coverage (which can offer compensation for the cost of replacing or rebuilding your home as new) or actual cash value coverage (which can offer compensation for the depreciated value of your home). Ensure your policy provides a correct replacement cost or overall value for your home.

    Consider coverage adjustments.

    Consult one of our trusted insurance professionals to help you determine whether you need to adjust your policy to have sufficient coverage in the event of a loss. This may entail changing your policy’s valuation method, increasing your current limits, obtaining specialized coverage or implementing a policy endorsement.

    Communicate with your homeowners insurance company.

    Lastly, make sure to inform your New Hampshire homeowners insurance carrier whenever you conduct renovations or implement other improvements in your home (e.g., adding a new deck or remodeling the bathroom). Update your policy as needed.

    For more personal risk management guidance, contact us today.

    (603) 225-6611

    Additional resources for NH homeowners:

    Factors That Affect The Cost of Home Insurance in New Hampshire
    Davis & Towle Plans $500 in Matching Donations to Womenade of Concord During NH Gives 2021

    Davis & Towle Plans $500 in Matching Donations to Womenade of Concord During NH Gives 2021

    Davis & Towle Plans $500 in Matching Donations to Womenade of Concord During NH Gives 2021

    Davis & Towle Insurance Group is proud to share its support of Womenade of Concord through a $500 matching challenge during the upcoming NH Gives initiative. The funds will be released once the nonprofit reaches their $500 goal during the statewide fundraising event.

    If you’re able to contribute to Womenade of Concord during NH Gives, you can help them hit their goal and unlock our matching contribution! Read on to learn about the important work of Womenade of Concord, and the power of the NH Gives annual event.

    Help unlock our $500 matching gift with a donation to Womenade of Concord!

    Donate here from June 8th 2021 at 5:00 PM –  June 9th at 5:00 PM:

    About Womenade of Concord

    For over 10 years Womenade of Concord has been providing short-term financial assistance for individuals and families in need in the greater Concord area and surrounding communities.

    When our neighbors can’t pay for utilities, rent, car repairs, medications, groceries, and kids clothes, Womenade of Concord steps in to get them over that hurdle. During difficult times, they relieve local families and individuals of short-term financial burdens, and minimize the damages that these struggles can cause.

    Womenade serves Concord, Bow, Hopkinton, Loudon, Pembroke, Chichester, Canterbury and Boscawen.In 2020 alone, they were able to help 58 local families through short-term financial assistance. Donating to Womenade of Concord means they can continue to assist our neighbors in need.

    About NH Gives

    Following a year in which traditional fundraising efforts were thwarted, causing non-profits to reinvent their approaches to stay afloat, NH Gives is poised to make a bigger impact than ever before.

    Learn how YOU can get involved in NH Gives today

    Womenade of Concord logo
    NH gives logo

    Q & A with GoodLife Programs & Activities | New Hampshire Nonprofit Spotlight

    Goodlife Programs & Activities Quick Links:

    Goodlife Programs & Activities fosters ongoing community engagement in NH by providing activities that support the independence, and well-being of active adults aged 50 and older.

    Here’s an interesting fact; According to the 2019 US Census, 18.7% of New Hampshire’s population is over the age of 65. So let’s talk about Goodlife Programs & Activities in Concord NH, and what they’re doing for that large (and ever-growing) portion of our community.

    Wrinkles, reading glasses, and hearing aids are a fact of life. Today some of the most influential and interesting figures are rocking them without missing a beat. That’s the world that Goodlife Programs & Activities lives in; They don’t place confines around what aging should look like. They believe that a healthy senior lifestyle can be an active one. Their programs embrace a lifetime of adventure, engagement, connection, and yes – challenges.

    Like all nonprofits, Goodlife Programs & Activities has been pushing through a difficult year brought on by the coronavirus pandemic. They’ve adapted and now have a robust calendar full of Zoom exercise classes, technology training, art classes, and more. They even have plans to resume travel opportunities, once safer days are upon us.

    If having a community with an active, and engaged aging population is something that resonates with you, there are a number of ways to enjoy or support their organization. This and more are covered in the brief Q & A below with Susan Greenblott, Executive Director of Goodlife Programs & Activities.

    interview with new hampshire nonprofit executive director

    Q: What has been your organization’s biggest achievement in the past year?

    A: We have continued to provide free programming every week since we closed our building a year ago due to the pandemic. Videos were posted on Youtube at first, then we transitioned to regularly scheduled Zoom classes.

    Q: Share something about your organization or its leaders that the general public might not know.

    A: GoodLife was previously the Centennial Senior Center, but we’ve been operating as GoodLife for 7 years now.

    Q: What fundraising efforts, volunteer opportunities, or 2021 initiatives would you like to share?

    A: Our spring fundraising campaign is kicking off this April. Donations will help support our free programs as well as technology to keep Zoom classes going. You can donate anytime at: https://www.goodlifenh.org/donation/

    Davis & Towle is the Zoom Exercise Sponsor for March! That’s a great way to show support. Anyone interested in learning more about becoming a Zoom Exercise Sponsor should email me : Susan Greenblott sgreenblott@goodlifenh.org

    We will also be selling exercise t-shirts and masks as part of our spring fundraiser. Stay tuned for more information on our website! GoodlifeNH.org

    Q: What’s your favorite motivational quote?

    A: Age is just a number.

    5 DIY Home Renovation Projects That Impact Insurance

    5 DIY Home Renovation Projects That Impact Your Insurance

    Good To Know Home Renovation Insight
    Get a free insurance quote
    diy kitchen renovation NH
    DIY bathroom renovation info NH
    DIY home office renovation ideas NH
    DIY sunroom renovation tips
    NH DIY basement renovation info

    Thinking about a DIY home improvement project? Maybe a new kitchen or bathroom makeover? Hoping for a low-cost renovation project that increases the value of your home?

    All great ideas! Just remember to think about the insurance implications so you can make sure everything works out as planned.

    The Home Improvement Research Institute (HIRI) says do-it-yourselfers complete two-thirds of home improvement projects — and spend less than those who depend solely on contractors. While saving money is satisfying, the sense of accomplishment DIYers feel is even better.

     

    Here are five common renovation projects that may require additional insurance:

    DIY Kitchen renovation

    Maybe you’ve been dreaming of a new kitchen, one with quartz countertops and Wi-Fi-enabled appliances. Kitchen remodels can add convenience and significant value to your home, but there are a few insurance considerations:

    • Depending on your level of experience, you may need the help of a plumber or electrician. Make sure the contractors you hire are bonded and insured. Do they carry liability insurance? Ask to see their certificate of coverage.
    • Check with your agent to see if you should increase your homeowners coverage. If your renovation substantially increases the value of your house, you could be underinsured if you haven’t raised your limits. Generally, you need enough insurance to replace 80% of your home’s value.

    • Will friends be helping you? Ask your agent about adding no-fault coverage or raising your medical expenses coverage.

    DIY Bathroom makeover

    You have visions of a soaking tub, new vanities and imported marble tile. Sounds delightful, but keep these points in mind:

    • You may need a plumber to help you move a water line or drain. Bear in mind that water damage caused by your faulty workmanship won’t be covered by your homeowners policy. On the other hand, if you use a contractor, their business insurance should cover the damage to your home.
    • Will that expensive marble be sitting in your driveway after it’s delivered? Costly materials have a way of walking away from a job site. Check to see if your policy covers theft or damage to your building materials.

    DIY Home Office Renovation

    You’ve decided to convert a spare bedroom into a home office. It’s an easy renovation, but here are some insurance considerations:

    • Most homeowners policies only provide limited coverage (up to about $2,500) for office equipment. If you have items that exceed that amount, you’ll need additional coverage. Your agent can recommend some options.
    • If you’re doing work for your firm at home, make sure you’re covered by the company’s business and workers’ compensation policies. If you’re self-employed, you may need a separate business policy, especially if clients visit your house.

     

    DIY Sunroom Makeover

     

    You’ve always wanted a room off the kitchen to take advantage of the morning sun. Sunrooms can provide enjoyment year-round, but you do need to keep a few things in mind:

    • Talk to your agent about adding a new room to your homeowners policy. You may be able to get a discount if you install energy-efficient windows or heavy-duty locks on an exterior door.

    • Is the project insured against severe weather? Theft or vandalism? You may need a builders risk policy.

    DIY Finished basement renovation

    You’re planning to create extra living space in the basement for your growing family. You’ve contracted to have a French drain and a sump pump installed to prevent water from leaking in. You’ve also decided to live in a friend’s house while you work on the project.

    Considerations:
    • If your house is unoccupied during construction, you may need vacant home insurance.
    • Be sure to get a warranty on the French drain. Flooding isn’t covered by homeowners insurance. However, you can add water backup coverage to your policy to pay for damage if your sump pump fails.
    • Game room? Home theater? Extra bathroom? You may need to increase the limits on your homeowners policy. On the other hand, upgrading old wiring or installing a security system could lower your premiums.

    If you’ve got the home renovation bug, maybe it’s time you joined the ranks of millions of satisfied DIYers. Just remember to contact us to get your NH homeowners insurance needs squared away. Then you can hammer to your heart’s content.

    Request a quote

    • This field is for validation purposes and should be left unchanged.

    Davis & Towle

     

    Why Choose Us

    As a New Hampshire independent insurance agency, we shop among the top-rated insurance companies and use our experience to find the best option for your specific budget and coverage needs.

    With dedicated local agents providing year-round policy service, and quality options from top carriers under one roof…You’ll never have to go far to find the insurance solution you need.

    Concord NH insurance agency reviews (1)

    Home Insurance In New Hampshire
    Car & Motorcycle Insurance Insight
    Insurance for Your Business

    Winter Skidding Tips & Safe Driving Techniques

    avoid winter skidding tips nh

    One of the most dangerous winter driving hazards is skidding. If it happens at a high speed, the result can be deadly. But most skids can be avoided by simply adjusting to driving conditions and knowing how to recover from a skid.

    Skids are most likely to occur on curves and turns, so slow down ahead of time to prepare for them. Then, when in the curve, accelerate slowly and steer steadily with no abrupt change in direction and, especially, no abrupt braking. Driving smoothly in general can help prevent skids.

    Skid Safety Techniques

    If you go into a skid, remember two critical rules:

     

    • Don’t steer against the skid.

    • Avoid using the brakes.

     

    Instead, immediately take your foot off the accelerator and steer in the direction the vehicle is sliding until you feel recovery of traction, then slowly straighten the wheels until you recover complete control. If the back of your vehicle is fishtailing to the right, turn the wheel gently in that direction until your car recovers.

    If braking is necessary before traction is recovered, apply the brake pedal cautiously so you do not lock the wheels and intensify the skid. You will also have better brake control in a skid situation if your vehicle is equipped with anti-lock brakes.

    You should constantly be on the lookout for areas that might induce skidding, such as unexpected ice patches or piles of wet leaves, which tend to be found in shady areas or on overpasses. Keep in mind that wet ice, warmed by the sun, is twice as dangerous as completely frozen ice. Be especially alert whenever there is any kind of precipitation during cold weather.

    General Winter Driving Tips

    Since accidents are common in winter, you should be extra cautious while driving. Drive on slippery roads at reduced speed and increase following distance behind the vehicle ahead. This gives an additional space cushion for safe stopping. Because winter driving can be risky, it is also a good idea to practice driving in slippery conditions so you are well-prepared and comfortable.

    A safe stop on icy or snow-packed roads is a tricky maneuver that requires skill and good judgment.
    • Anticipate stops by slowing down gradually, well ahead of intersections. And allow more than enough time to stop safely.

    Plan ahead of time for lane changes; check your rearview mirror, your blind spots and signal your intentions to traffic behind you. Then, swing over in a long, gradual line. Make the move with the smallest possible steering change and with a light foot on the gas. When you drive into deep snow, stepping on the gas may cause the wheels to spin, with little, if any, forward movement. In such cases, avoid over-accelerating. A light foot on the gas pedal and a high gear is most effective.

    Ensure Your Safety

    Whenever you will be driving in any weather, be sure your vehicle is properly equipped. Your brakes should be functioning correctly, and your tires should be properly inflated with a good tread surface. Sometimes snow tires, and even chains, may be best to help keep your vehicle under control during dangerous winter conditions.

    Comparing the Two Major COVID-19 Stimulus Packages

    comparing stimulus packages

    President Donald Trump recently signed into law an emergency stimulus package designed to deliver approximately $900 billion in COVID-19-related aid.
    The chart below provides an overview of the highlights of the new stimulus package, and how it compares to the Coronavirus Aid, Relief, and Economic Security (CARES) Act signed into law in March 2020.

    So let’s start comparing the COVID-19 stimulus packages, shall we?

    Total Cost

    CARES Act: $2.2 trillion

    New Stimulus Package: $900 billion

    Direct Economic Impact Payments

    CARES Act: Up to $1,200 for individuals, based on income

    Up to $2,400 for married couples

    Up to $500 for each qualifying child

    New Stimulus Package: Up to $600 for individuals,
    based on income based on income

    Up to $1,200 for married couples

    Up to $600 for each qualifying child

    Federal Unemployment Insurance

    CARES Act: $600/week

    New Stimulus Package: $300/week

    Aid For Small Businesses

    CARES Act: Approximately $350 billion in forgivable loans through the Paycheck Protection Program (PPP), totaling around $650 billion after additional funds issued in April 2020

    New Stimulus Package: $325 billion, including $284 billion in funding to replenish the PPP

    Funding For Education

    CARES Act: Around $30 billion

    New Stimulus Package: $82 billion

    Housing Assistance (Rental)

    CARES Act: Established eviction protections for renters through the end of 2020

    New Stimulus Package: $25 billion in aid, and extended eviction protections through January 31st

    COVID-19 Testing / Tracing, Vaccine Distribution, and other Critical Health Care Needs

    CARES Act: Not addressed, but $25 billion of relief was issued in April 2020

    New Stimulus Package: Around $70 Billion

    Health Care Provider Relief Fund

    CARES Act: $100 billion

    New Stimulus Package: $3 billion

    This will likely be the Trump administration’s last economic stimulus package. President-elect Joe Biden is expected to consider additional COVID-19 relief options in early 2021. 

    If there is anything we can do to help during this turbulent times, reach out to our team at Davis & Towle Insurance 

    © 2021 Zywave, Inc. All rights reserved.

    Give Yourself The Gift Of A Home Security System And Get a Discount On Home Insurance

    If you’re looking to give yourself a gift during the calm that arrives after the holiday madness, then look no further, as the perfect gift might come in the form of a win-win. The gift idea? A new home security system.

    So how is this a win-win?” you might ask. 

    Here are the two “wins”:

    The first reason that it’s a win is fairly obvious, as you and your family can enjoy the peace of mind that comes with a centrally-monitored home security service.

    Secondly, you can enjoy a discount on your homeowner, condo, or renters insurance as a result of having a protective device installed in your home. Depending on the type of monitoring services you utilize, your discount can end up totaling 10% or more!

    home security - insurance discount
    free NH insurance quote online

     Your next question will probably be something along the lines of “How much does it cost?” Given the recent influx of do-it-yourself (DIY) home security systems, the answer is “not as much as you might think.”

    For example, you can purchase a new Ring home security system for as little as $179. This package includes the base station, a contact sensor for a door or window, a motion detector, and a range extender that extends the signal from your base station. More robust packages are available that include additional contact sensors and motion detectors, or you can create your own customized layout by purchasing additional sensors and detectors as needed.

    The best part of this is that it is quite easy to set up the system yourself, as everything is connected wirelessly. This makes it quite convenient for anyone to have a security system – no matter if you own your home or rent. In addition, professional monitoring is quite inexpensive, as $10 a month will get you “professional monitoring with cellular backup, plus unlimited video recording for all your Ring Doorbells and Cameras.” [1]

    Ring isn’t the only company in this market space, as there are a number of highly-rated DIY systems that offer comparable products and systems. SimpliSafe, Nest, Abode, and Ooma offer DIY systems that don’t come with the expensive long-term contracts that people have come to associate with home security monitoring services. As a former customer of SimpliSafe and now a current customer of Ring, I can attest to the flexibility and affordability that these types of systems provide.

    Other great add-ons – which I’m sure you’ve seen in recent TV commercials – include video doorbells and surveillance cameras that can be mounted along the exterior of your home. In addition, you can incorporate flood & freeze sensors, smoke detectors, carbon monoxide detectors, and more into your system. In short, you can make your setup as robust as you’d like and can control all of it from your smartphone.

     

    Do yourself a favor and research which system works best for you and your family. Then, once you pull the trigger and install the system, make sure you provide a copy of your alarm monitoring service to your independent insurance agent so that you receive all applicable discounts on your home insurance!

     

    Resources:

    [1] https://shop.ring.com/pages/security-system

    *Central Insurance Companies is not recommending or endorsing the companies or products listed in this article. Consumers should conduct their own research into the products available.

     Post authored by Marc McNulty. Originally published January 8, 2019. View original post at:  https://wp.me/p1Iv7E-2YH

     

    Products underwritten by Central Mutual Insurance Company and affiliated companies.

    Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

    7 Insurance Policies for Small Businesses: A Comprehensive Rundown

    With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your New Hampshire small business. So let our team of local agents quickly breakdown the types of insurance policies available and how they can help protect you, and your business’s bottom line.

    These are the most common policies we use to insure the various aspects of our client’s businesses. They’re the “bread and butter” of commercial protection:

    Commercial Property Insurance

    In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers, and anything that would be considered necessary for performing business.
    Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.
    • Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.
    • Actual cash value: Pays the cost to repair or replace the damaged property, minus depreciation.

    General Liability Insurance

    General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services, or operations. This form of insurance can also help cover medical expenses and attorney fees resulting from bodily injury or property damage claims that your business may be legally responsible for.

    General liability insurance policies typically have four coverage elements:

    Premises liability covers you in the event that a person who is not employed at your business becomes injured on your property. If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.
    Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.
    A personal injury is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered under your general liability policy.
    Advertisement injuries are caused by alleged misinformation, copyright infringement or slander made by your company.  Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

    Employment Practices Liability

    Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include claims of discrimination, wrongful termination, sexual harassment, and retaliation. These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements. EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

    Workers’ Compensation

    Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.
    For example, if a worker pulled a back muscle at work and was unable to perform their duties, workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages. Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

    Cyber Liability Insurance

    If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue, client trust. Cyber liability insurance is not only there to protect the internal information of your company, but it also protects your customers’ personal and banking information.

    Most cyber liability policies include both first- and third-party coverage:

    • First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.
    • Third-party coverage is to cover claims by people who have been injured because of your business being hacked.
    Restoring compromised or lost data can be very costly, so cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

    Commercial Auto

    Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

    Your business should consider a commercial auto policy if any of the following are true:

    • Your business owns, leases or rents vehicles such as cars, trucks or vans.
    • Your business has employees who drive their own vehicles to conduct business.
    • Your business has employees who operate leased, rented or owned company vehicles.

    Professional Liability Insurance

    Professional liability insurance, also known as errors and omissions (E&O) insurance, can protect your business against claims that a service you provided caused a client to suffer due to a mistake or failure on your part. Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission. What’s more, depending on your industry, professional liability insurance may be required by law. While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

    More Information

    With a simple call, we can cut through all the confusing jargon and help you realistically assess what coverage your business needs. From there, we help you find the most affordable business insurance, and throughout the year we stand ready to lend a hand and service your policy.

    (603) 225-6611

    Make sure you have the most competitive business insurance rates in NH; Request a quote!

    No obligations, no cost, just insight.

    Hiring The Right Snow Removal Contractor For Your Business

    Hiring the Right Snow Removal Contractor for Your Business

     

     

     

     

     

     

     

    Snow and ice build-up at your business can lead to expensive liability claims. So how do you find a reputable commercial snowplow contractor?

    Here’s what you need to know.

    Winter weather can be an awe inspiring thing to watch when it comes to snow fall. It can also be interesting at times to watch as people try to navigate the parking lots and sidewalks leading into homes or businesses shortly after a winter weather event. Case in point, after a snow storm last winter, I observed someone try to walk from their car into their home on the freshly fallen snow and while doing so slipped and fell flat on their back (never mind the fact that this someone was me). Thankfully, I wasn’t hurt (other than my pride) and no one was around to laugh at my clumsiness.

    Unfortunately, slips and falls on the winter snow and ice are quite common during this time of year. The Bureau of Labor Statistics reported that in 2014, over 42,000 workplace injuries and illnesses involving ice, sleet, or snow occurred; among those numbers 82% were attributed to falls, slips, or trips from snow or ice.

    For businesses that do not have snow removal equipment or the maintenance staff to properly take care of winter weather, having a snow removal plan in place with a local contractor can help prevent someone from getting hurt on your property due to slipping on the snow and ice.

     

    Below are some basic guidelines to keep in mind when selecting and utilizing a snow removal contractor.

    |

    1. Ensure you get a written contract with the contractor that covers all of your businesses snow and ice removal needs (e.g., parking lots, driveways, walkways, roof coverings). Ensure the contract clearly states what services the contractor will perform and under what conditions.

    2. Check references. Look for a snow removal contractor who is established, licensed, and a bonded professional.

    3. Ask to see the contractor’s certificate of insurance. Ensure their coverage for liability and Workers’ Compensation insurance is current.

    4. Monitor the contractor’s work to ensure they are removing snow and ice after a weather event has occurred in a timely manner and in accordance with the established contract.

    Ensuring your business is properly cleared from snow and ice after a winter storm may not only help avoid injury to you and your customers, but help ensure they can safely and easily patronize your business!

    As always, contact our commercial insurance team to talk more about protecting your business.

    Copyright © 2020 Central Mutual Insurance Company. All rights reserved.
    Post authored by Cory Eickholt. Originally published January 23, 2020. View original post at: https://wp.me/p1Iv7E-2C0

    Products underwritten by Central Mutual Insurance Company and affiliated companies.

    Updating Your Address After You Move – NH Best Practices

    A Guide To Changing Your Address for New Hampshire Residents

    Who to notify when you move.
    Compare Insurance Quotes for Your New Home

    Updating Your Address When You Move

    Although it can be an exciting experience, moving to a new home also comes with a wide range of tedious tasks and responsibilities. And while most individuals are prepared to pack and unpack boxes, many forget just how many places need their updated contact information. After all, it’s not just family and friends who need to know your new address. Keep reading to learn who to notify when updating your address.

    Who to notify when you move.

    1. Government offices and agencies

    First, it’s important to notify all applicable local, state and federal agencies when updating your address after a move. This includes the U.S. Postal Service, the Department of Motor Vehicles, the IRS and any government assistance programs (e.g., Social Security, Medicaid and Medicare). Don’t forget to update your voter registration, too.

    2. Financial institutions and advisors

    Next, it’s crucial to inform financial institutions and advisors of your new address. This includes credit card companies and retail credit accounts, loan issuers, pension and 401k administrators, accountants and tax specialists, banks and investment advisors—including your trusted broker. Make sure you order new checks that list your updated address as well.

    3. Care providers, organizations and clubs

    You will also need to notify all of your care providers (e.g., doctor, dentist, veterinarian and child care) of your new address. In addition, be sure to inform any organizations or clubs that you or your family are a part of—including your employer(s), your children’s school(s), membership organizations and social clubs.

    4. Utility Providers

    To avoid paying for utilities at your past residence and set up proper services at your new home, it’s vital to inform all utility providers (e.g., gas, electricity, water, garbage, phone, television and internet) of your move. From there, you can have services shut off or removed at your previous residence, and schedule installation or service transfer appointments for your new home.

    5. Subscription and residential services

    Lastly, be sure to notify any subscription or residential services of your new address. This includes magazine or newspaper subscriptions, home maintenance services, security services, cleaning services and pest control services.

    The Value of Updating Your Address with Your Insurance Agent Before You Move

    Think notifying your insurance agent and insurer of your move isn’t important? Think again. It’s vital to inform your home and auto insurer about your new address to ensure an up-to-date policy.
    What’s more, depending on the location and characteristics of your new home, informing your insurer of your updated address could even result in lowered premium costs or newly available forms of coverage—keeping your policy valid and protecting your wallet. For more moving guidance and NH homeowners insurance solutions, contact us today.

     

    This flyer is for informational purposes only and is not intended as
    professional advice. © 2020 Zywave, Inc. All rights reserved.

    Davis & Towle Insurance Group Proudly Supports White Birch Center in Henniker with Financial Contribution

     

    Concord – October 2, 2020 – Davis & Towle Insurance Group, a local independent insurance agency with offices in Concord, Franklin, Amherst, Henniker, Plymouth, Nashua, Hillsborough and Meredith, is proud to share its support of White Birch Center by making a $2,000 financial contribution on behalf of the agency and its entire staff.

    Amidst the difficulties of COVID-19, partnering with local charity and non-profit organizations is as important as ever. Davis & Towle Insurance Group is a proud member of its community and is committed to supporting those who are most in need.

    “During these unprecedented times, individuals and families have had to rely on the good work of organizations like White Birch Center,” said Ryan Towle, Owner of Davis & Towle Insurance Group. “Their services have helped – and will continue to help – so many, and we’re pleased to be able to support them. It’s a small way that we can give back and be good members of our community.”

    Based in Henniker, White Birch Center is dedicated to helping its community by providing exceptional programs and services that support learning and healthy living for children, adults, and families. As a whole, White Birch Center and the individuals who run it show an unwavering dedication to strengthening the community.

    To learn more about Davis & Towle Insurance Group, visit www.DavisTowle.com or call 603-225-6611.

    About Davis & Towle Insurance Group

    Davis and Towle Insurance Group, founded in 1954, has grown to one of New Hampshire’s largest locally owned, independent insurance agencies. The family owned organization has deep roots in the communities they serve and proudly insure the citizens, families and businesses of New Hampshire; Providing quality and affordable home, auto and business insurance.

    www.Davistowle.com

     

    About White Birch Center

    White Birch Center is a non-profit 501(c)(3) organization dedicated to the well-being of individuals and families and to have a positive effect on the fabric of our community. With an emphasis on Early Learning, Extended Education, and Active Living, White Birch Center is a cornerstone of our community and a hub for surrounding towns.

    Home