Our Commercial Insurance Coverage Services
Commercial insurance for your business can be a nightmare. No two businesses are ever alike.
At Sevigney-Lyons Insurance Agency our Commercial Lines specialists not only tailor a policy to fit your
business’s needs, but also work diligently with you to avoid unnecessary exposures.
We provide insurance coverage in New Hampshire, Maine Massachusetts and Vermont.
For a contractor a single mistake can cause financial ruin. With artisan’s insurance you and your
business will be protected against liability claims. Artisan contractor insurance can be customized to
meet the needs and budget of any business.
Commercial automotive insurance covers you in the event that an employee causes physical injury or
property damage while driving a company vehicle. Even if you are a sole operator, if you use a vehicle
to conduct your business you should have commercial automotive insurance
If the nature of your business regularly takes you onto other people’s property bond insurance will
protect you financially in the event that an employee acts dishonestly or fraudulently, or if a customer
claims that your services were not provided as agreed or that you damaged their property while you were
Builders risk insurance can be obtained by a contractor, a property owner, or a subcontractor. Depending
on the construction project it may be a legal requirement, but whether required or not it’s a good idea
and will cover in full or in part the cost of damage to a building while under construction.
It is important to correctly insure all your commercial vehicles, whether they are used by one employee
or multiple employees, on site or on the open road.
Sometimes the most cost-effective policy for a small business is business owner insurance, combining
protection for all your major property and liability risks in one contract. While such policies may come
with a price premium, they are often less expensive than combining individual specific policies.
Crime insurance can be customized to suit your specific needs and can include protection against
employee dishonesty, third-party non-employee crime, theft, burglary, robbery, forgery, computer fraud.
If you offer towing service or run a service station and store customers’ vehicles you need garage
keepers insurance. It protects you in the event that a customer’s vehicle is damaged by fire, vandalism,
or theft while in your care.
General liability insurance offers coverage in the event a business faces a claim or lawsuit concerning
bodily injury or property damage.
Rules regarding the sale of liquor vary from state to state but wherever your business is located if you
sell liquor you must have liquor liability insurance. If a customer causes injury after drinking in your
establishment you could be held liable. With liquor liability insurance you are protected against some
of the high financial repercussions.
Motor cargo insurance provides cover against loss or damage to cargo while it is being transported.
Policies can be customized depending on the type of cargo carried, the distance the cargo is carried,
the value of the cargo, and more.
If you run a business you have clients; if you have clients you can be liable for claims of negligence,
malpractice, and more. Professional liability protects you against the associated costs of such claims.
Whether you own or rent your business premises you need property insurance. It provides cover for the
building, its contents, and any exterior fittings. Property insurance is highly customized and it is
important that you find the right coverage for your property, your business, and your location.
Food-related illnesses are a genuine fear for a restaurant. While such a claim can damage a restaurant’s
reputation it can also bring huge financial costs. Restaurant insurance protects you for general
liability, property damage and product liability.
Sign and Glass
Large windows are tempting targets for vandals and, yet, small businesses often have large windows.
Replacing a large plate-glass window or a unique custom-built sign can be expensive but with sign and
glass insurance most of the cost will be covered.
Tools & Equipment
Tools and Equipment insurance protects tools and equipment while in transit. It’s especially important
for contractors or service workers who frequently travel with their tools as it insures against loss or
theft from a vehicle or job site. Policies can be customized and can include specific individual
If an employee gets injured while at work you need to know that both they and your business are
protected. Workers compensation insurance takes care of the financial implications.