Business Insurance Package Information

Businesses can bundle property and liability coverage
into a Business Owners Insurance Policy that allows
your business to obtain broad coverage with affordable
premiums. Business Owners Insurance is usually the
first step for small businesses looking to get basic
property and liability coverage and is a comprehensive
and affordable insurance package for small or medium
sized businesses.

To qualify for Business Owners Insurance Policies, a
company should have 100 or fewer employees, and
annual revenues should be less than $1 million.
Business Owners Insurance will typically provide
reimbursement for up to a year of lost revenue
resulting from an insured property loss.

Some businesses may find Business Owners
Insurance coverage limits to be too low or may not like
the lack of flexibility on options like coinsurance.
However, what the Business Owners Insurance Policy
lacks in flexibility it usually makes up for with lower
premiums for your business.

Business Owners Insurance offers named perils or all risk insurance
coverage, similiar to general property insurance coverages.
Enhancement endorsements are available at little or no cost to extend
coverage to your accounts receivable, valuable papers, signs,
employee dishonesty, mechanical breakdown, computers including
software, money and securities, off premises power failure and
spoilage of food products, backup of sewers and drains.

While similiar to Commercial General Liability Insurance, the liability
part of a Business Owners Insurance Policy offers less flexibility in
determining your coverage limits for particular claims. Optional limits
of $300,000, $500,000 or $1,000,000 are available. Personal injury,
products liability, fire legal liability and premises medical payments
are included. Also, Business Owners Insurance does not include
professional liability insurance.

Business Interruption Insurance is usually included in Business
Owners Insurance Policies and covers lost income and expenses
incurred when a company suffers disaster related damage. Ongoing
operating expenses that continue even if business is suspended,
such as payroll, are also covered.

Click on the link below to fill out a quote request form for a New
Hampshire, Maine or Massachusetts Business Owners Insurance
package (BOP), that regardless of whether you're a large employer
or a small business, will provide comprehensive insurance coverage
for your business at an affordable cost. Or speak with one of our
Commercial Insurance Specialists toll free at 1-800-678-3431 to
discuss the features in detail.

We are your local southeastern New Hampshire, southern Maine insurance
agency, offering comprehensive insurance plan packages to businesses
located in the following cities and counties: Somersworth, Durham,
Portsmouth, Dover, Rochester, Rollinsford, Barrington, Madbury, Lee,
Strafford, Farmington, Milton, Barnstead, Nottingham, Northwood, Raymond,
Newmarket, Newfields, Stratham, Rye, Hampton, Epping, Exeter, Salem,
Danville, Deerfield, West Rye, Derry, Chichester, South Barnstead,
Gilmanton, New Durham, Wolfeboro, Alton, Laconia, Berlin, Lebanon, East
Candia, North Hampton, Hanover, Littleton, Plymouth, Claremont, Newport,
Keene, Hampton, Rye Beach, Strafford County, Rockingham County,
Hillsborough County, Merrimack County, and Belknap County, NH. We also
offer business insurance services throughout the state of New Hampshire,
including the Manchester, Nashua, and Concord area. Our service area in
southern Maine includes the following cities and counties: South Lebanon,
Kittery, Eliot, Berwick, Sanford, Blaisdell Corners, Springvale, Emery Mills,
Wells Beach, York Beach, Kittery Point, Kennebunk, Saco, Biddeford,
Alfred, Portland, Scarborough, Westbrook, Waterboro, Shapleigh, Newfield,
Buxton, Goodwins Mills, South Sanford, Cape Elizabeth, South Portland,
York County, and Cumberland County, ME.

**The information, pictures, and other content in this website about
particular insurance or financial services is only provided for informational
purposes. Any decisions regarding these services should be discussed with
a licensed insurance agent or financial services representative.