Spence And Mathews Insurance NH and ME Business Lines

Business Auto — provides coverage for vehicles used in a business. Includes liability, medical payments, uninsured motorists, collision and comprehensive and many other special coverages necessary for business vehicles.

General Liability — The most basic insurance coverage for business. It covers bodily injury, property damage, personal injury, slander, libel and more. This coverage protects your business from legal action, be it real or fraudulent.

Property — Covers your physical assets, such as facilities, equipment, inventory, computers and more. If you are forced to shut down after a covered loss, you may also be reimbursed for income lost.

Workers Compensation — Required in most states, worker's compensation insurance provides medical and disability coverage for work related injuries and illness.

Business Owners Package(BOP) — Combining Property and Liability coverage for eligible small and medium-sized businesses, this is a comprehensive package that may save money.

Bonds — A written promise to pay or carry out a contract on someone's behalf. Our carriers provide various types of bonds from contractor's bid and completion bonds to license and fiduciary bonds.

Commercial Umbrella — Extends coverage over and above basic liability insurance.

Builder’s Risk — Covers both the structure and most building materials and fixtures during construction.

Contractors — Protects the contractors assets from liability exposures as well as protecting the contractors property.

Equipment/Tools — Covers your business from the loss of or damage to business equipment and tools.

Garage Liability — Protects garage owners and automobile dealers from liabilities due to business operations.

Garage Keepers — Protects a garage keeper against liability for damage to vehicles in his care, custody, or control.

Dealer Plates — Covers liability exposures from the use of dealer plates as well as filings needed for the state.




24 Hour Claim Numbers	Business Auto — provides coverage for vehicles used in a business. Includes liability, medical payments, uninsured motorists, collision and comprehensive and many other special coverages necessary for business vehicles. General Liability — The most basic insurance coverage for business. It covers bodily injury, property damage, personal injury, slander, libel and more. This coverage protects your business from legal action, be it real or fraudulent. Property — Covers your physical assets, such as facilities, equipment, inventory, computers and more. If you are forced to shut down after a covered loss, you may also be reimbursed for income lost. Workers Compensation — Required in most states, worker's compensation insurance provides medical and disability coverage for work related injuries and illness. Business Owners Package(BOP) — Combining Property and Liability coverage for eligible small and medium-sized businesses, this is a comprehensive package that may save money. Bonds — A written promise to pay or carry out a contract on someone's behalf. Our carriers provide various types of bonds from contractor's bid and completion bonds to license and fiduciary bonds. Commercial Umbrella — Extends coverage over and above basic liability insurance. Builder’s Risk — Covers both the structure and most building materials and fixtures during construction. Contractors — Protects the contractors assets from liability exposures as well as protecting the contractors property. Equipment/Tools — Covers your business from the loss of or damage to business equipment and tools. Garage Liability — Protects garage owners and automobile dealers from liabilities due to business operations. Garage Keepers — Protects a garage keeper against liability for damage to vehicles in his care, custody, or control. Dealer Plates — Covers liability exposures from the use of dealer plates as well as filings needed for the state.