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Geo. M. Stevens Insurance has you covered |
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Business Insurance |
News You Can Use If you have employees, the states of NH and VT require Worker's Comp insurance. 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. 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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