Why is My Business Insurance Premium Going Up?

Written by April Weismann on 10/25/2022 11:44 AM in Business Insurance.

There are various reasons why business insurance premiums typically increase, including adding coverage or claims experience.  However, these are not normal times, and many business owners are seeing rate increases even if their coverage or claims...

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Do I Need Snowplowing Insurance to Plow My Neighbor’s Driveway?

Clearing your neighbor’s driveway during winter is a kind favor, but the favor can present some unanticipated risks. Find out what the risks are before you plow yourself into trouble.

Am I Covered if I Snowplow a Neighbor's Driveway?

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What Does Pay-As-You-Go Mean for Workers Comp Insurance?

Written by April Weismann on 11/16/2021 10:58 AM in Business Insurance,. Workers Compensation Insurance.

New Hampshire is one of many states that allow insurance companies to set up pay-as-you-go billing systems for workers comp insurance policies. For many small businesses, this type of arrangement offers multiple advantages.

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How Do I Insure My Airbnb?

For many NH residents, it is very tempting to list their homes on vacation rental sites such as Airbnb.  Usage of such sites is a great way to earn extra income.  Still, regular short-term rentals of New Hampshire properties generally are not...

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5 Ways Working With an Independent Insurance Agent Can Save You Money

Written by April Weismann on 06/09/2020 11:21 AM in Business Insurance,. Personal Insurance.

Independent insurance agents are highly trained and licensed professionals not connected to any one insurer. Both of these qualities make independent agents, like those of HPM Insurance, in New Hampshire well-positioned to help you save money when...

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Why Is Workers Comp So Expensive for My Landscaping Business?

Written by April Weismann on 04/29/2020 04:23 PM in Business Insurance,. Workers Compensation Insurance.

All landscaping businesses in New Hampshire that have employees are required to carry workers compensation insurance by law. Worker's compensation coverage isn’t cheap though, and it can account for a good portion of your overall landscaping...

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COVID-19 and Insurance Issues from HPM Insurance

Written by Tom Hutton on 03/31/2020 11:28 AM in Business Insurance,. Agency News,. Property Insurance.

No one is escaping the impact of Coronavirus.  Businesses, families, and society are navigating the situation as best they can.  Here is what we are doing as an agency, what companies are doing to accommodate the increased pressure on insureds and...

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5 Tips for Buying Business Insurance

Written by April Weismann on 09/11/2019 12:00 AM in Business Insurance.

Recently HPM Insurance taught an "Insurance 101" class for new business owners through the NH Small Business Development Center (SBDC).  During this event it became apparent that most business owners knew they needed insurance, but specifically what...

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Top 3 Scary Assumptions about Insurance

Written by April Weismann on 10/24/2018 10:10 AM in Business Insurance,. Personal Insurance.

Halloween is a fun time; however, when insureds make assumptions about their insurance coverage, it can be downright scary for an insurance professional. Here are three assumptions many people make about their insurance that are not just wrong, they...

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How Business Interruption Insurance Can Save Your NH Business

Written by April Weismann on 04/04/2016 05:03 PM in Business Insurance,. Commercial Insurance.

When thinking about commercial insurance, many business owners automatically think about protecting their property against a devastating fire or storm damage.  However, if your NH business suffers a loss which forces the company to shut down, the...

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