Owning a successful business in the Newmarket, NH area requires a lot of hard work. The team at Keslar Insurance Agency is proud to serve the commercial insurance needs of our friends and family, and we look forward to working with you too. Our team understands the importance of business continuity, and that’s why we recommend that our commercial clients have sufficient business interruption coverage.
Is Your Commercial Policy Providing the Coverage You Need??
Commercial coverage is often thought of as a way to protect property and equipment, but there are several features available that enhance your protection. If your business is rendered inoperable due to a covered event, business interruption insurance can kick in to help you weather the storm. When a company is kicked offline, it can cause a domino effect. Cash flow can be disrupted, and costs for repairs and replacements can cause a severe dent in profits. With the proper coverage, your business can be kept alive while you work to get everything fixed.
Whether your premises is damaged and becomes uninhabitable, or your equipment is damaged and isn’t working, the right commercial policy will help you get back up and running while protecting your business at the same time. Don’t let an unexpected tragedy run your business into the ground; review your commercial policy today to ensure that it provides the protection you need. Life can throw a lot of curveballs our way, and having robust insurance coverage is one way to keep your business going through thick and thin.
Keslar Insurance Agency is here to answer all of your commercial insurance questions. It is our goal to provide the business owners in the greater Newmarket, NH area with the protection that they need. Contact our offices to speak with an agent and get a quote.
Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
- Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
- Car insurance: Cannot remove your ex without consent- typically in writing. If you have separate addresses, separate vehicle titles, One person will have to get a new policy.
- If you move, you need to notify your insurance provider- a new Zip code can alter your car insurance premiums.
- Typically the insurance follows the car registrations. This means whoever officially owns the car and registers it, that is the person who typically has the insurance coverage on the car.
- Never have a lapse in coverage if you can avoid it- even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly- even only if for a short period of time.
- Children in divorce situations: typically the parent with primary coverage will provide the insurance, but this can be part of the child support obligation negotiations.
- Best time to separate policies- when divorce is finalized. Once divorce is final, one party will need a new policy.
- If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
- The widow penalty- when you are widowed some company’s increase rates by as much as 20%. This is because that person is now considered “single” and single drivers pay higher insurance than married couples. Have your insurance company let you know if premiums will be increasing when you change your status. If so, a good independent agent can shop for these things.
- If you need a new vehicle know the purchase price, theft rate, cost of repairs ,accident rate, and safety tests all impact the insurance price on the car- so it is not one thing.
- Consider AAA or roadside assistance option to keep you protected if you have car troubles.
- Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.