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.

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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

Utilizing the resources of Lincoln Financial Securities we can address your organization's retirement needs, regardless of your size. From single employee SEP-IRAs, to small group SIMPLE-IRAs, up to and including large group 401(k) plans, the professionals at LFSC can help you choose, implement and service a retirement plan customized just for you.

As you might expect, we can build plans that utilize a single mutual fund family, or a multi-family platform. What you might not expect is that we can also build you a completely self-directed platform, which allows you to hold individual stocks, bonds, Index tracking funds, CDs, REITS and more.

Even more important than our complete portfolio of products is the professional advice to help you use them. Our Lincoln Financial Securities Registered Investment Advisory Representative, Eric Bahr, has the training and experience to help you choose the right solutions for you. He can also provide ongoing assistance to help insure that you and your employees get the maximum impact from your plan.

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.