COVID-19 and Insurance Issues from HPM 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...

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Is Excluding Officers and Owners from Workers Compensation Insurance Coverage a Bad Idea?

Written by April Weismann on 02/02/2017 01:28 AM in Workers Compensation Insurance.

In most states, businesses are required to provide workers compensation insurance for their employees. Executive officers and business owners, however, are usually not required to be included in the  coverage,  but can be if they so choose....

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4 Tips about Workers Compensation for NH Small Businesses

Written by April Weismann on 10/22/2015 12:00 AM in Business Insurance,. Workers Compensation Insurance.

As a business owner you know that workers compensation insurance is a necessary evil.  You realize that you must have it to comply with state law and protect your employees but may not appreciate the unpredictable nature of how to pay for your NH...

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Difference Between a Subcontractor and Employee in NH

Written by April Weismann on 06/04/2015 04:03 AM in Workers Compensation Insurance,. Commercial Insurance.

 Because of the expense of an employee, many small businesses rely on both traditional employees, as well as subcontractors (aka: independent contractors).  You may assume that because a worker is not on your payroll this means he or she is not...

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