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Business Owner Policy
A business owners’ policy which can also be referred to as BOP can be defined as a commercial insurance policy specially patterned for the purpose of small and medium-sized businesses to offer a reduce premium policy for general liability and property insurance bundling. Many small entrepreneurs purchase a business policy package called business owners’ policy (BOP). Typically, a BOP involves property insurance, liability insurance, business or continuation insurance but it offers a minimized premium and making its coverage more affordable than separately purchased policies and at the same time give the best insurance policy.
Auto / Fleet
Fleet vehicles can be described as an actual number of motor vehicles owned or leased by a business or company, government agency, parastatal or organization other than belonging to an individual. Vehicles owned and operated by taxicab companies, public bus companies, car rental companies, public utilities, and government agencies that have more than five cars are typical examples of fleet operators. As a company, having a reason numbers of vehicles in your fleet, commercial auto insurance has become most affordable for a fleet of commercial vehicles to make their everyday business operation a hitch-free than individual vehicle insurance.
Workers’ compensation insurance covers a business owner from claims filed by employees who sustain a work-related injury either in the workplace or in the course of business operation outside the premises. If you are a employer of labours, the law requires you take up workers’ compensation insurance to ensure employees who sustain injuries in the course discharging his or her duties receive the insurance benefits as portrayed by law. It is mandated that worker’s compensation insurance be separated from all the other company’s insurance policies. Typically, the worker’s compensation insurance law depends on each state.
Liability & Property
Commercial Property Insurance is an insurance coverage that protects properties a business owns such as building either owned or lease as well as personal assets including equipment, furniture, inventory, and tools. This insurance policy also covers assets such as computers, accounts receivable and income loss during down time due to a covered loss. Depending on the plan arrangement, the business coverage can be tailored to involve additional protection, such as valuable documents and records coverage that covers payment of reproducing vital documents, temporary storage and move records to prevent a loss in the course of business.
Personal & Family Lines of Insurance
Granite State Insurance and Risk Management has all of your personal insurance needs covered from Home & Auto, Umbrella, Classic & Collectible Vehicles, Motorcycles, Snowmobiles, ATV’s, Boats, Firearms, Jewelry, Antiques, Mobile Homes, Motor homes, and Trailers. We have all of your needs covered under one roof. We offer very competitive rates from many of the most competitive, A rated markets.
Protecting our New Hampshire, Massachusetts & Maine clients with tailored coverages for your individual & business needs.
Michael Ware of Granite State Insurance and Risk Management, LLC is a tested and trusted independent insurance agent in Hampstead, New Hampshire. He is known to be committed to creating a meaningful working relationship focused on reducing risk exposures. His primary focus for this service ranges through the New England coastal states Maine, New Hampshire, & Massachusetts. Granite State Insurance and Risk Management, LLC believes in the philosophy of being your trusted partner today and for generations to come.Read more
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If you have a question about our policies and coverages, please feel free to use the form below to send us a note and an agent will respond promptly