As a New Hampshire business owner, you can obtain the proper insurance coverage for your store or company from Able Insurance Agency LLC. Having a policy to protect the business is something all business owners need to ensure. At the least, general liability insurance is a necessity. It is smart to find a reliable insurance agency that can guarantee you have coverage for employees, inventory, incidents, and more.
Why Get Commercial Insurance?
While state law doesn't require business insurance, obtaining it is still highly recommended. It would offer protection if something terrible were to happen. For this reason, even though the state doesn't require it, most investors and lenders do. The reason for this is that they don't want to take any unnecessary risks. Without full business-coverage, the liability factor is too high, and getting a loan is next to impossible.
Only the smallest businesses run with a sole employee. The rest of the time, businesses need several employees to keep operations running smoothly. This is why having workers' compensation coverage is as important as any other kind of business insurance. New Hampshire state law also makes it a necessity when running a business that employs at least three people.
For any business that has official vehicles used for work purposes only, commercial auto insurance is suggested. However, it is also highly recommended that commercial auto insurance is obtained when an employee uses his or her personal car for work-related reasons. This is often simply an addition to general liability insurance coverage. At the least, auto insurance obtained by business owners in New Hampshire includes bodily injury and property damage liability, as well as coverage that extends to motorists who aren't insured.
Contact Able Insurance Agency LLC
New Hampshire business owners turn to Able Insurance Agency LLC for commercial coverage that provides peace of mind. Call to make an appointment, and our agents will answer your questions.