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What type of insurance do you need?
Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in New Hampshire. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable.
On average, New Hampshire drivers pay just $905 per year for their car insurance. This is significantly lower than the national average of $1,311 per year, and actually makes New Hampshire the 5th least expensive state for automobile coverage. As a vehicle owner in New Hampshire, you can find the best rates by comparison shopping and getting quotes from multiple insurance companies before choosing a policy.
Business insurance is designed to shield companies from various financial losses they may face, such as those caused by severe weather, property crimes, and liability lawsuits. This coverage can prove very beneficial. Last year alone, businesses in New Hampshire collected approximately $435.6 million in insurance claims. Insurance companies can offer customized business insurance plans that are suitable to meet the specific needs of various companies.
Worker's compensation insurance is required by the state of New Hampshire. Any employer with one or more full-time or part-time employees is required to provide this coverage. Failure to comply may result in fines of up to $100 per employee per day for the employer. Employers are responsible for obtaining worker's compensation insurance before hiring any employees.
A typical restaurant insurance policy usually includes the following: general liability, workers' compensation, business income, boiler & machinery, food spoilage, and communicable disease insurance. No two New Hampshire restaurants are exactly the same, which means that what one owner needs for their restaurant will never be the same as any other owner. However, an underwriter will consider all aspects of a restaurant when writing a policy. More importantly, an agent will look at all these factors to provide a range of coverage options from different providers.
It is obvious that some types of companies need commercial vehicle insurance. It should come as no surprise that trucking companies, taxi and limousine services, and bus companies all need commercial vehicle insurance. However, these are not the only businesses that require this type of insurance. Even less obvious businesses, such as restaurants that use delivery vans, will need this coverage.
Insurance options for a hotel in New Hampshire can include the following coverages. General liability is mandatory and protects against lawsuits related to injury or property damage caused by the business. Things like food poisoning claims would also fall under this category. Worker's compensation covers the financial ramifications if employees become ill, get injured, or die from a work-related incident. Property insurance covers any damage to the hotel's physical building, as well as the property inside it. The type of cooking equipment used in the hotel's kitchen will contribute to the risk of fire damage, and may influence the cost of the policy. Coverage limits are typically $250 million per hotel location. Boiler & machinery, also known as "equipment breakdown insurance," covers electric equipment in the building that breaks down.
An older inn near the coast might pay around $5,000/year. But a fancy high-rise hotel just a few miles away might pay as much as $1,000,000/year. To make things even more interesting, if these same two hotels were located just 10 miles further inland, their premiums might drop by half. In another state altogether, further away from the coast, the small one might pay $1,200/year, while the big one might pay $150,000/year.
If a tenant rents a home in New Hampshire, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.
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"Fast & easy service. They did most of the work for me, which helped me focus more time on my restaurant."Restaurant Insurance Customer
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