Fall Home Maintenance Checklist

Fall Home Maintenance Checklist 2019

Bridging the gap between coverage & clarity…Bridging the gap between insurance & community.

As a local insurance agency, we are invested in providing straightforward solutions, honest insight and helpful resources to our community. Gone are the days of insurance being a necessary evil; Davis & Towle has brought value back into the conversation. Whether or not you’re a client, we are still here as a resource for personal and business insurance insight and we welcome inquiries.

New Hampshire Business Insurance Resources

How to Prepare for an OSHA Visit

Safe Technology Checklist for Businesses

From the NCSA and

New Hampshire – Required Workplace Posters

New Hampshire Personal Insurance Resources

Simple Guide to Life Insurance Terms

Personal Insurance Glossary

Retirement Planning Calculator

Credit Card Pay-off Calculator

More Insight On Our Blog or Contact Us at 603-225-6611

Dealing With a NH Homeowners Insurance Claim

Dealing With a NH Homeowners Insurance Claim If you’ve had a fire, water damage or another unfortunate event in your home, don’t fret. We have all the information that you need to get your claim underway so you can get your life back to normal. When you have a NH...

Ride-Sharing: Uber Convenient or Uber Risky?

With the price of taxi services in most cities rising, people are relying on a new form of transportation called ride-sharing. Companies like Uber and Lyft can be very convenient for those who don’t own a car or quickly need a ride. However, ride-sharing still poses...

How Business Owners Should Handle Insurance Carrier Recommendations

New Hampshire Business Insurance: Handling Insurance Carrier Recommendations As a New Hampshire business owner, you take on a certain level of risk—it’s unavoidable. Losses related to fires, floods, workplace accidents, products liability and other kinds of exposures...

Fall Home Maintenance Checklist 2019

Make sure you have the best pricing and coverage this Fall! Get a free, no-obligation quote and save money.  Submit your home insurance quote request:

6 Reasons Why Car Insurance Prices Are on the Rise

Why Are Car Insurance Prices Rising? Inflation will cause the price of all insurance policies to rise slowly, but you may have noticed that your car insurance has risen more than normal lately. Most lines of insurance cycle between soft and hard markets over a number...

Protecting Your Big Day; What Wedding Insurance Covers

Prepare yourself for the big day with wedding insurance. Learn what wedding insurance covers, and purchase wedding insurance in NH, easily.

More Than 100 Million Capital One Customers Involved in Data Breach

Data From More Than 100 Million U.S. Capital One Customers Involved in Data Breach Capital One announced on July 19, 2019, that the personal information of more than 100 million of its U.S. customers was compromised in one of the largest data breaches involving a...

Creating and Maintaining a Drug-Free Workplace

NH Small Business Resource: Creating and Maintaining a Drug-Free Workplace Illicit drug use and drug addictions are an unfortunate occurrence that we often see broadcasted on the evening news or even directly affecting the people we know. Businesses are not exempt...

Agency News | MMG Insurance selects Davis & Towle for their 2018 Agency Feature

content sourced from MMG's 2018 Annual Report. Source:

Green Living Tips For Your Home

GREEN LIVING TIPS FOR YOUR HOMELive Green in Every Room in Your Home Living green, building green and surrounding yourself with earth-friendly products minimizes the negative impact you have on the natural world. By abiding by green living principles in your home, not...

The Cost of NH Workers Compensation: Payroll and Your Premium

Part III of Understanding Your NH Workers' Compensation PremiumThe relationship between what you pay your employees, and what you pay in premium. Review In the third and final installment of this series we’re talking about payroll. This will conclude our review of the...

NH Business Owners Need To Ask These Questions Before Renewing Your Commercial Insurance

NH Commercial Insurance Renewal A lot has happened over the past year. The many ebbs and flows a business goes through may mean your coverage is no longer adequate, or perhaps better pricing is available. Look for these changes that warrant a review of your NH...

6 Tips to Save on Energy Costs

6 Ways to cut down on utility costs in New Hampshire.

The Impact of Experience Rating on Your Workers Compensation Premium

Understanding Your Workers Compensation Premium  READ PART A HERE PART B: Experience Mod Factor   A quick review: We now know that class codes are used across the insurance industry to categorize different jobs by the risk of the work performed by employees....

When Guests Harm Your Home, Who Should Pay for Property Damage?

WHEN A GUEST DAMAGES YOUR HOME: Expectations and Reality Who Should Pay for Property Damage? Framing the Situation Part of the benefit of being a homeowner is being able to entertain friends, family and other guests. But what happens when something goes wrong and a...

Understanding NH Workers Compensation Premium: What’s your class code?

Written By: Jeff Reardon, AAI Commercial Account Executive ________Have you ever looked at your worker's compensation bill and wondered, "How did they come up with this price!?”  Well to answer your question, it's basically calculated using a three-part formula....

Insurance Coverage at College: A Parent’s Guide

A parent's guide to insurance coverage for your college student.  Insurance coverage for college: 101 This is the time of year I often receive questions about the coverages needed to protect students who are away at school. These requests are common for parents...

3 Easy Steps to Prepare Your Restaurant For Surprise Health Inspections

Preparing your Restaurant for Health Inspections Health inspections should be an opportunity for your restaurant to shine. Here's how to make that happen.   As a restaurant owner, you have the power to give people a place to take a break from the responsibilities...

Finding time to give back to New Hampshire

What's your reason to give back to New Hampshire?   When we help others, we often feel intrinsically satisfied. A 2008 study by Harvard Business School professor, Michael Norton, found that giving money to someone else lifted participants’ happiness more than spending...

Co-operative Insurance Companies Wins ValChoice Award for Number One Best Value in New Hampshire and Vermont

October 4, 2017 Co-operative Insurance Companies Wins ValChoice Award for Number One Best Value in New Hampshire and Vermont Award Recognizes Co-operative Insurance Companies Excellence in Service, Claims Handling and Value MIDDLEBURY, VT...