Steven P. Cote

Steven P. Cote
President | Commercial Lines Specialist

Steven P. Cote

Steve was promoted to President of Chalmers Insurance Group in January of 2014, the first non-family member to lead the Agency in its 160 year history. A licensed Property and Casualty Insurance Agent in Maine, New Hampshire, and Vermont, he has served as a trusted risk management advisor to individuals, families, and businesses for over 25 years. His specialty industry segments include Hospitality, Social Services and Not-for-Profit, Educational Institutions and Camps as well as Personal Insurance, Vacation Homes and Vacation Rental Properties.

Steve often serves as an advisory board member with our carrier partners, to help assure the very best in products and services for our Group and our valued clients. Current and past advisory relationships include: Hanover Insurance; Liberty Mutual; Safeco; Acadia Insurance; MMG Insurance; Main Street America Group/NGM Insurance (2017 National Chairman) and Patriot Insurance.

Current and past community service affiliations include:

  • Past President, Conway New Hampshire Area Chamber of Commerce, 1991- 1996
  • Past President, Kiwanis Club of Mt. Washington Valley, 1996
  • Past President, Mount Washington Valley Economic Council, 2004-2006
  • Trustee/Vice-Chairman, Fryeburg Academy, 2008-Present
  • Boys Varsity Basketball Coach, Kennett High School, 2006- 2015
  • Girls Middle School Basketball Coach, Kennett Middle School, 2015-2016
  • Volunteer Assistant Girls Basketball Coach, Kennett High School, 2016-Present
  • USA Basketball Gold Licensed Coach, 2017-Present
  • Board Member, Institute for Family-owned Business of Maine, 2018-Present

A 1989 graduate of Bowdoin College and veteran youth basketball coach, Steve lives in Conway, NH with his wife, Lisa and daughters, Kimberly and Elizabeth.

Dottie Chalmers Cutter

Dottie Chalmers Cutter
Vice-President | Operations

Dottie Chalmers Cutter

Dottie is the fourth generation of Chalmers to work in the family insurance business. Daughter of Bill Chalmers, she was born and raised in Bridgton, Maine. She is a 2003 graduate of Bowdoin College and joined the agency in 2005. She is a licensed Maine Property & Casualty Insurance Agent and began her career as a personal lines agent. She quickly advanced to personal lines marketing executive, a position which gave her a lot of exposure in the community, working primarily with small to large business owners promoting an Employer Group Insurance Discount Program. With a background in Personal Lines and an interest in management, she became Personal Lines Manager in 2012. She is now the Vice President of Operations, overseeing 85 employees in the areas of commercial lines, personal lines, and agency assistance. Dottie has a passion for increasing awareness about insurance as a career in hopes of attracting more young professionals. She works with local area high schools to promote Project InVEST and is responsible for the establishment and recruitment of Chalmers’ internship program.

Her accomplishments include:

  • Project InVEST Volunteer of the Year Award, 2017
  • Advisory Board MMG Insurance Company, 2018 - 2021
  • Insurance Business America “Young Guns” list Finalist, 2015
  • Past Chairwoman of the Maine Young Agents Committee
  • Young Agent of the Year award recipient, 2013
  • Advisory Board Patriot Insurance Company, 2010 – 2013
  • Advisory Council member Lake Region Vocational School’s Business Office Technology Class
  • Travelers High Achiever Award recipient, 2008
  • Past Member of Board of Directors Loon Echo Land Trust, 2007-2010
  • Local Organizing Committee member of The Dempsey Challenge 2009-2012
  • Certificate in Human Resource Management, USM, 2012

Other interests include skiing, traveling, and spending time with her husband, Adam, and three young children, Sofia, and twins Mackenzie and William. She resides in North Yarmouth, Maine.

James Chalmers, CIC

James Chalmers, CIC
Owner and VP of Sales | Commercial Lines & Chalmers Camp Insurance

James Chalmers, CIC

Jim is part of the 4th generation of family to own Chalmers. After graduating from Bowdoin College in 2002 Jim worked with an insurance company in the greater Boston area.  While working with the insurance company, Jim spent time moving through the company being given the opportunity to work alongside Personal Lines, Commercial Lines, Marketing and Loss Control Departments. Jim then spent a year as a claims adjuster prior to moving back to Maine and joining the family business.  Having spent over two years working for an insurance company provided Jim a broad knowledge base of the industry which he brought with him in 2004 when he came back to Maine to work for the Chalmers Insurance Group.

Jim is licensed to sell insurance products in over nine states, focusing primarily in the Northeast. He is also a licensed Surplus Lines, Life & Health and Real Estate agent. Jim earned the Certified Insurance Counselor designation (C.I.C), because of his commitment to continued education as an insurance professional.

Jim strives to provide comprehensive insurance and loss control solutions to his clients while creating long-term relationships.  Jim works primarily within the following departments of The Chalmers Group:

  • Chalmers Camp Insurance, which specializes in insuring youth summer camps in the Northeast.
  • Insuring the ski industry for the state of Maine
  • Business owners in offering coverages such as:
  • Workers Compensation, General Liability, Products Liability, Property, Auto, and Professional Liability
  • Chalmers Financial Services benefits division, which consists of individual and group benefits products such as: Life, Long Term Care, Disability, and Group Health

In alignment with the agency’s mantra of giving back to the communities that we serve, Jim has passionately involved himself in the following committees:

  • Past member of the Board of Directors, Pine Tree Council – Boy Scouts of America
  • Business Representative, Maine Summer Camps
  • Past Member of Board of Directors, Girl Scouts of Maine
  • Past Chairperson, Young Agents, State of Maine
  • 2008 Young Agent of the Year award recipient
  • Past Committee Member, Propel – part of the Portland Regional Chamber
  • Advisory Board MMG Insurance Company, 2014 – 2017
  • Advisory Board MEMIC, 2013 – Present
  • Advisory Board Hanover Insurance Company, 2011 – 2014
  • Advisory Board Union Mutual, 2017-Present
  • Alumni Fundraising Committee Member, Bowdoin College Class of 2002

Chairman of the Board


Bruce joined the Maine family business in 1959, and has been in the Insurance/Real Estate business for almost 60 years. He is a licensed Maine and New Hampshire Property & Casualty, Surplus Lines, and Life & Health Agent, as well as a licensed Real Estate broker and Notary Public. Bruce specializes in insuring New England boys' and girls' summer camps, ski areas, and all types of businesses. He enjoys dealing with people, their lives, and businesses, and takes pride in establishing and maintaining valuable relationships with customers. He works extremely hard to exceed customers' needs and expectations as an insurance provider and real estate broker.

A resident of Bridgton, Maine, Bruce has always believed in giving back to his community. His accomplishments include:


  • Past President and State National Director of Maine Insurance Agents
  • Past President of Maine Young Agents


  • Past Chairman of the Maine Delegation of the White House and Blaine House Conferences on Small Business
  • Past Director of the Maine Chamber of Commerce and Industry
  • Maine Business Hall of Fame Laureate Award recipient, 2011
  • Past President of the Western Maine Board of Realtors
  • Past Chairman of the Cumberland County Civic Center
  • Past Director of Norway National Bank and of Canal Bank
  • President of Bridgton Highlands Country Club


  • Board of Directors, Camp Sunshine; Founding member
  • Trustee of the Ham Charitable Foundation: Chair of Ham Foundation Bridgton Advisory Board
  • Past Chairman of the Bridgton Maine Budget Committee, Bridgton Planning Board, and the Bridgton Chamber of Commerce
  • Former President and member of the Board of Trustees, Bridgton Academy
  • Past Director of the Kennebec Maine Girl Scout Council
  • Founding member of Bridgton Historical Society
  • Past President of Bridgton Historical Society
  • Bridgton Lions Club, 50 year member


  • President of Chalmers Ice Arena, located at Bridgton Academy
  • Past President of Pleasant Mountain Ski Club
  • Member of the Bowdoin Polar Bear Athletic Fund Board
  • Maine Ski Hall of Fame inductee, Class of 2015
  • Bridgton Academy Hall of Fame inductee



A co-owner of the Chalmers Group, Bill serves as its General Manager and Treasurer. He joined the Maine family business in 1973, and has now been involved in the insurance industry for over thirty years. Bill is also a Maine and New Hampshire licensed Property & Casualty and Life & Health Agent.

Bill believes that providing customer satisfaction is the fundamental component in running a successful corporation, and strives to get to know his clients and employees on a personal level to ensure their needs are addressed. He is also very involved in the community and serves as:

  • Member of Board of Trustees, Norway Savings Bank
  • Member of Board of Directors, Central Maine Medical Center
  • Member of Board of Trustees, Bridgton Academy
  • Chairman of the Board at the Bridgton Hospital
  • Member and Co-Owner of the Bridgton Highlands Country Club
  • Past President of the Independent Insurance Agents Association of Maine (MIAA)
  • Former State National Director (Maine) of Independent Insurance Agents of America (IIAA)
  • Past President and member of the Bridgton Maine Lions Club
  • Past President of the Bridgton Maine Chamber of Commerce