Commercial Insurance in New Hampshire and Maine
New Hampshire commercial insurance can provide employers and business owners with the financial protection necessary to protect their business from risks. Buying commercial insurance from an independent agency like Keslar Insurance Agency allows the company to get a competitive rate from an agent working to minimize costs while maximizing coverage options. There are various types of commercial insurance to consider, including the following.
NH & ME Commercial Auto Insurance
Commercial auto insurance is often necessary for businesses that operate vehicles as a part of the function of the company. This may include a business owner's use of his or her vehicle to visit clients. It may cover not just a single car but a fleet of them. Most commercial policies include both liability and property coverage, while meeting any state requirements.
NH & ME Commercial General Liability Insurance (CGL)
General liability insurance provides a first line of defense against lawsuits. It may help business owners to reduce risks associated with product mistakes or injuries of customers. Liability insurance may help to reduce the risks associated with consumer or customer-based lawsuits.
NH & ME Commercial Property Insurance
Property insurance is necessary for most businesses that operate out of a building or own equipment. This type of insurance may cover the building, equipment, inventory, and other contents. Sometimes, these policies are available to provide protection for signage and other structures. It is often necessary to select commercial property insurance even if the business does not own the property but rents or leases it.
NH & ME Workers Compensation
Employees can become injured or ill as the direct result of working. When this happens, the employer may be found liable for the medical bills, lost time at work, and other losses sustained by the employee. Workers compensation provides insurance to cover those associated risks. In some cases, businesses are required to obtain and maintain workers compensation as a requirement for operating a business.
NH & ME Business Owner Package (BOP)
Business owner package is an added layer of liability protection often necessary for professionals. It helps to reduce the overall costs associated with protecting the business and the individual owner from risks associated with operating the company.
In all cases, working with an independent agency like Keslar Insurance Agency is recommended. You can get a quote from our insurance agents for any of these types of commercial policies. By working with an independent agent, you'll get the most affordable rates possible.