Geo. M. Stevens Insurance - meeting personal and business insurance needs in NH and VT since 1882

Geo. M. Stevens Insurance has you covered

 

 

  

Business Insurance 

 

 

News You Can Use

If you have employees, the states of NH and VT require Worker's Comp insurance.

Types of Coverage

Worker's Comp - Rates vary depending upon the type of business that you have.   Worker's Comp covers medical expenses and loss of wages, as well as the employer's liability for injuries attributed to employer negligence.

Commercial Auto - covers vehicles used in the course of doing business.  Common coverages are slightly different than those of your personal auto and include:

Liability for bodily injury and property damage

Medical payments

Uninsured / Underinsured coverage

Comprehensive / Collision for damage to your vehicle

Commercial Property - covers assets such as your business's building, business personal property, computers and electronic equipment, and loss of income in the event of a covered loss.

Commercial General Liability - covers bodily injury and property damage that arises out of the business premises and / or operations, as well as products and completed operations.   Also covers your defense costs and attorney fees in the event of a suit.

Commercial Umbrella Liability - insurance over and above the primary types of insurance which includes general liability, business auto, employer's liability, and attorney's fees.

Machinery & Equipment - covers the breakdown of heating, cooling, and electrical equipment, and losses that occur from that breakdown. Entitles to you free inspections by the insurance company to satisfy the requirements of the NH Department of Labor.

Specialty Programs - A Directors and Officers policy is available for profit and non-profit entities which includes liability coverage and payment of attorney's fees.

Employment Related Practices Liability Coverage is available to protect you and your business from libel, slander, sexual harassment, wrongful termination, and failure to hire / promote lawsuits.

Also of Interest - If your company consists of you and a partner, in the event of your partner's death, your new partner may be the surviving spouse.  If this isn't part of your business plan, consider a special form of life insurance known as a "Buy / Sell Agreement" to protect the transition of your business.

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What's Not Covered

If you rent a vehicle in your business's name, special coverages may be required.

If your employees use their personal auto in the course of conducting your business, consider "non-owned auto" coverage.

Intellectual Property is a valuable asset.  If your business derives significant profits from intellectual property, protect that asset with a rider to cover the cost of researching, reconstructing, and / or replacing that which is lost.

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Get a Personalized Business Insurance Quote


Please note: Any information you submit is strictly confidential, and will not be shared with any other individuals or organizations.

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General Information

Contact Name (required)
Business Name
Address
City
State
 
Zip

Current Insurance Company and Coverages

Company (not agency) Name
Policy Expiration Date
Current Coverages
(check all that apply)

Bond

Commercial Auto

Commercial Liability

Commercial Property

Commercial Umbrella

Directors & Officers Liability

Disability

Group Health

Group Life

Professional Liability

Workers' Compensation

Other (describe below)

Business Information
Number of Full-Time Employees
Number of Part-Time Employees
Number of Years in Business
Number of Locations

Briefly describe business and clientele

Property and Premises Information
Address
Occupancy Status Owner  Tenant
Year Built
% Occupied
Sprinklers Yes  No
Construction Type

Frame

Brick Veneer

Metal

Stucco

Concrete

Stories
# Basements
Sq. Footage
Burglar Alarm Yes  No
Building Value
Contents
Other Property (please specify)

Insurance Information

Annual Gross Sales (before taxes)
Annualized Payroll
Cost of any Subcontracted Work
Limits Requested

$300,000

$500,000

$1,000,000

$2,000,000

Describe any claims you've had in the past 5 years
Additional comments

How can we reach you?

E-mail address 
Fax number 
Phone number    Best time to call AMPM

Please note that this does not constitute a binding agreement, but rather provides us with information that allows us to provide you with some options.  We make every attempt to contact you by the next business day.

   


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