Service-based businesses deliver vital work — from cleaning and maintenance to consulting, support services, and beyond. But the risks are real: liability, client property, staffing issues, and unpredictable claims can put even small service firms in danger.

Transportation and logistics businesses keep the supply chain moving, but they also face some of the most complex and fast-changing risks in the commercial insurance world. Whether you manage a small delivery fleet, operate a trucking company, run a warehouse, or coordinate freight and distribution services, your operation needs coverage that protects your people, your cargo, your equipment, and your customers.

Non-profit organizations and religious institutions serve their communities with purpose, compassion, and mission-focused work — but they also face unique risks involving volunteers, events, fundraising activities, board oversight, and property use.

Healthcare providers carry some of the highest professional and operational risks of any industry. From patient safety and regulatory compliance to cyber threats and malpractice exposure, medical practices must protect their people, facilities, and reputations.

Professional service firms and financial institutions manage sensitive information, provide expert guidance, and carry a high level of responsibility to their clients. Even small errors or misunderstandings can lead to significant financial or reputational loss.

From small artisan contractors to general contractors and construction management firms, the construction trades face
high-risk, hands-on work every day. Job sites change constantly, subcontractors come and go, and one mistake can lead to costly property damage or serious injury.

Wholesalers, manufacturers, distributors, and industrial operators face some of the most complex risk profiles of any business sector. From supply chain disruptions to equipment breakdowns and product liability exposures, no two operations are exactly alike.

From busy Main Street shops in Portsmouth to waterfront restaurants, boutique hotels, B&Bs, and short-term rentals across the Seacoast,
retail and hospitality businesses face a unique mix of customer traffic, property, and liability risks every single day.