New Hampshire is a great place to do business, and many business owners make their homes here. If you are a business owner, you understand the importance of doing everything you can to protect your business, especially having the right insurance coverage. At Morin Insurance, our agents can help you select the best coverage for your NH business. There are many types of insurance, and no two businesses have exactly the same needs. We’ll walk you through all your options, so you can make decisions about insurance as an informed NH business owner.
While every NH business owner will have different needs, here’s a look at some of the most common insurance coverage.
General Liability Insurance
General liability insurance is a foundational coverage for most businesses. It covers many areas, including third-party claims for bodily injury, property damage, and personal injury. Essentially, any damage or injury that a third party claims was caused by your business or a representative of your business falls under general liability insurance. A general liability policy will cover most of the circumstances that arise.
Property and Commercial Vehicle Insurance
Property and commercial vehicle insurance policies will cover property and vehicles owned by your business. Insuring your property covers loss or damage to your business property and inventory in circumstances such as fire, natural disaster, vandalism, or theft. Commercial vehicle insurance is similar to regular auto insurance but with a few adjustments because the vehicles are owned by your business rather than an individual.
Workers’ Compensation
There are many ways to protect your employees, and workers’ compensation is one of the most important. Workers’ comp covers employees’ medical expenses and lost wages if they injure themselves on the job. Providing workers’ comp also benefits you as the employer. It protects you from potential lawsuits from current or former employees over injury liabilities and lost wages. It is also essential, however, to maintain safety standards in your workplace to ensure that no injury can be considered your fault.
NH Business Owner Insurance | The Morin Agency
So far, we’ve only scratched the surface of what’s available for business owner insurance in NH. our agents will work with you to craft policies that give you the best possible coverage to protect you, your business, and your employees.
