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What type of insurance do you need?
Get help from one of our New Hampshire independent agents
They understand your risks and will find you the coverage you need.
Business insurance is designed to shield your company from various financial losses you may face such as those caused by damaging weather, property crimes, and liability lawsuits. This coverage can prove very beneficial, as is evidenced by the fact that in 2016 alone, businesses in New Hampshire collected approximately $435.6 million in insurance claims.
A local independent agent can help you build a customized business insurance plan that is suitable to meet the specific needs of your particular company.
Statisticians predict that an estimated 40% of all small businesses are likely to experience a property damage or general liability lawsuit setback in the next 10 years. Here are some hazards American companies have been using their insurance to cover:
In New Hampshire, commercial insurance will cover losses associated with a variety of potential hazards so that your business doesn’t have to.
If your inventory is damaged, if a customer files a liability lawsuit, or if one of your employees is severely injured on the job, a good commercial insurance plan will ensure that won't have to worry about how these exposures will affect your business’s bottom line.
Here’s what you can expect a standard business insurance policy to do:
Pay For Damage To Your Building
Pay For Damage To Your Business Property
Pay For Damage To Someone Else’s Property
Pay For Someone Else’s Medical Bills
Pay For Accidents in Company Vehicles
Pay For Employee Injuries & Compensation
A business insurance policy is not required by law. However, some types of commercial insurance that are often included in a comprehensive business insurance plan may be.
Many financial institutions will require you to have property and/or liability coverage before they will agree to finance a loan or line of credit. Additionally, all employers in New Hampshire are required by law to carry workers’ compensation insurance, and contracting firms will nearly always be required to have contractors insurance when they are hired to do a job.
To learn more about coverage that you may need to carry, you can talk with a local independent insurance agent.
Business insurance rates are calculated according to a number of factors such as the type and size of your business, the number of employees you have, your liability coverage needs, and the amount and types of coverage you want.
Coverage needs can vary significantly from one business industry to the next, so it is best to work with an experienced insurance agent who can help you build a suitable and comprehensive policy for your company. These agents can help you make sure that you are getting coverage for all of your business’s potential exposures while avoiding paying for coverage that is not a good fit.
Also, because independent agents can work with multiple insurers, they can search for the best price for each type of coverage you need. Sometimes this means building a business insurance portfolio that includes policies from several different insurance companies. Don’t worry. You will still only have one point of contact with your independent insurance agent.
Yes! There are currently 167 independent agents in New Hampshire who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to help you build a comprehensive and competitively priced business insurance portfolio? Work with an agent near you to ensure that your business is fully covered against all of its potential risks.
Independent agents compare policies and rates from a variety of highly rated insurance companies in order to find you the coverage you need at a price you can afford.
When building your business insurance portfolio, your local agent may find that it is in your best interest to work with more than one insurance company. While one company may offer the best workers’ compensation coverage, another may have the best rates for commercial vehicle coverage.
Independent agents enable your business to get coverage from multiple companies while still maintaining a single point of contact.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|