From left to right: Jim Chalmers, Dottie Chalmers Cutter, and Steve Cote

Steve Cote, President

"One of the things I am most proud of at Chalmers is that we’ve moved with the times. We’re adaptable, nimble, and responsive to the evolving nature of the business.”

Steve joined Chalmers in 2000 and made history as the first non-family member to assume the role of President in 2014. A graduate of Bowdoin College, his steady positivity and warm leadership style inspire co-workers to embrace the Chalmers mission. 
An advocate for agility and new technology, Steve loves trying new things and finding creative solutions. His weekly vlogs create a culture of transparency, and the creation of a podcast, The Community Cast, has empowered fellow local leaders and business owners in Maine and New Hampshire to tell their stories. 

Steve serves on the Liberty Mutual Business Lines Agency Council, the Selective Insurance Northeast Agency Council and is Co-Chair of the Main Street America Insurance Northeast Agency Council.  He is an Advisory Board member for the Kendall C. & Anna Ham Charitable Foundation and a long-time Trustee of Fryeburg Academy.

The proud father of two daughters, Kimberly and Elizabeth, Steve’s other passion in life is coaching girls varsity basketball. Steve lives in Conway, New Hampshire, with his wife, Lisa, who is the Commercial Lines Manager at Chalmers. 
Dottie Chalmers Cutter, 4th Generation Owner
“As a family-owned business, we truly mean it when we say that we’ll treat you like a member of our family.” 

Dottie is the fourth-generation owner and head of operations at Chalmers. Her psychology degree from Bowdoin College has translated into a passion for talent development, mentorship, and motivation and engagement in the workplace. She supervises the middle-management team and is celebrated as a dynamic coaching leader who invests in her co-workers’ professional and personal growth – all of which she sees as key to the agency’s longstanding success. Dottie has successfully transitioned her agency from performance management to performance development, embracing a shift in mindset from “manager as a boss” to “manager as a coach.” In addition to agency management, she is a professionally trained Leadership Coach and currently facilitates the Emerging Leaders Program at Chalmers.

Advocating for and promoting women in insurance, in particular, is a passion of Dottie’s, earning her published white papers in The Standard and “Be The Last Agent Standing” magazine for her article, “Being Female In Insurance.” 

Dottie is a Director of the Board of the Institute of Family Owned Business in Maine (IFOB), currently serving on the Executive Committee as Past Chair. She is the 2023 recipient of the Leaders and Luminaries Award presented by Camden National Bank as a result of her Leadership as Chair of IFOB. She is the 1st Vice President of the board of Girl Scouts of Maine, actively working on the Board Development Committee and the recruitment of new board members. She is also an active volunteer for Junior Achievement of Maine.

In her free time, she enjoys downhill skiing, strength training, riding her Peloton bike, and spending time with her husband, Adam, Director of Information and Security at Chalmers, three children: Sofia, Mackenzie and William; and golden-doodle, Zealand. She lives in North Yarmouth, Maine.

Jim Chalmers, 4th Generation Owner

“Our family has always been extremely involved in our community. Chalmers has been in existence for over 167 years, but these values of giving back and activism are the same today as they were at the agency's inception."

Jim is a fourth-generation owner of Chalmers and oversees the sales operations of the agency. A graduate of Bowdoin College, Jim is passionate about expanding niche programs, such as Chalmers Camp Insurance, and strives to provide comprehensive insurance and risk control solutions to all of our clients. 
Jim serves on the MEMIC Agency Advisory Council. He’s also on the boards of Bridgton Academy, Birch Rock Camp and Maine Summer Camps. 
When he’s not working, Jim enjoys spending time outdoors and taking advantage of all that Bridgton, Maine has to offer. He lives with his wife, Katie, and their two children, Brady and Britta. 
From our Clients
"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
- Robert H.