Commercial General Liability / CGL

A broad commercial policy that covers all liability exposures of a business that are not specifically excluded. Coverage includes product liability, completed operations, premises and operations, and independent contractors.

Commercial

Products designed for and bought by businesses. Among the major coverages are boiler and machinery, business interruption, commercial auto, comprehensive general liability, directors and officers liability, fire and allied lines, inland marine, medical malpractice liability, product liability, professional liability, surety and fidelity, and workers compensation. Most of these commercial coverages can be purchased separately except business interruption which must be added to a fire insurance (property) policy

Commercial Multiple Peril

Package policy that includes property, boiler and machinery, crime, and general liability coverages.

Business Income Insurance (Business Interruption Insurance)

Commercial coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. Business interruption insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities coverage may start after a waiting period and last for two or more weeks

Business Owners Policy / BOP

A policy that combines property, liability and business interruption coverages for small- to medium-sized businesses. Coverage is generally cheaper than if purchased through separate insurance policies.

Group Health

Group health insurance is one of the most contentious insurance topics, in the state of New Hampshire.  We are already seeing some of the first significant rate increases associated with the implementation of SB125.  If you are concerned about the cost of your health insurance program, you need to be talking to The Paige Agency.

Now more than ever, you need an agency that can help you evaluate all of your options and help you squeeze the most benefit from every health insurance dollar.  We can help you to understand all of your coverage options including the new High Deductible Health Plans, which can utilize Health Savings Accounts.  We can even help you set-up ERISA compliant partially self funded plans, possibly generating even bigger savings. 

We also understand that health insurance is a scary topic for your employees.  At The Paige Agency, we go the extra mile to make sure your employees understand how the plans work.  At your company's discretion, we're happy to give employee presentations, hold round table discussions, and even hold individual employee meetings. 

Click here to read more about Group Health

Supplemental Voluntary Benefits

Short term disability and accident policies fill gaps in other types of employee coverage. These are affordable benefits that can reap big wins with employee popularity. 

Dental

In combination with a group health plan, or stand alone we offer dental coverage through multiple carriers. 

Group Retirement

Investments offered through representatives of Lincoln Financial Securities, Member SIPC to residents of NH, MA, VA, and NC. Advisory services offered through Lincoln Financial Securities to residents of NH. Lincoln Financial Securities and Paige Insurance Agency are not affiliated.