Since 1857, Chalmers has helped Maine and New Hampshire businesses of all sizes take the risks essential to their growth.

As a family-owned business, we have a personal commitment to finding the best coverage at the best rate for every client and make sure nothing falls through the cracks.

Let us show you how we can protect your business, too! Call us at 800-360-3000 or GET A QUOTE today.

Why not keep all your business needs in the Chalmers “Family”? Check out our Group Benefits.

"Chalmers' amazing service lets me focus on serving amazing bagels!"

- Heather Moody, Owner of Mr. Bagel, Gorham, ME

BUSINESS LIABILITY

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There are still plenty of liabilities your business may face offline, too. We can tailor a policy to your specific needs to cover them all:

  • Directors & Officers
  • Employment Practices
  • Professional
  • General

BUSINESS PROPERTY

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We’ll cover everything from buildings and contents, to machinery and equipment, to inventory, furniture, fixtures, and more. Our local experts can help advise you intelligently on coverage types and amounts in order to maximize your peace of mind while minimizing your expenses.

BUSINESS VEHICLE

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Whether you provide a company car or truck, or employees use their own vehicles, Business Auto insurance is essential for the protection of your company—and is required in Maine and New Hampshire. (Remember: business use of a vehicle is not covered by personal auto insurance!)

UMBRELLA LIABILITY

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Should someone file a claim against your company that exceeds the limits of your liability insurance, your umbrella policy acts as a "safety net" to pay claims after the limits of the primary policies have been reached.

CYBER SECURITY LIABILITY

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Stolen laptops, rogue employees, and hackers are compromising clients’ sensitive information, and the costs can be huge: on average, the cost per lost customer record is $214, and the total cost per breach is $7.2M!* Cyber Security Liability protection provides you with legal, public relations, and technical support services to manage and mitigate data privacy exposures.

*Source: The Ponemon Institute 2010 Study: The cost of a Data Breach

CVIP - VACATION INCOME PROPERTY

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We specialize in serving owners of professionally maintained vacation properties, with no restriction on the number of weeks the property is rented. Our pricing rewards owners that provide proactive care and loss prevention through professional management of the property.

GROUP BENEFITS - Chalmers Advantage

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Another way Chalmers can help your business thrive.

The benefits you offer—especially a health plan—can be a deciding factor in hiring and keeping good employees. The Group Benefits experts at Chalmers take time to understand your business goals and culture; explore the options in the rapidly changing health environment; and help you select a program that reflects your company’s philosophy.

SPECIALTY BUSINESS INSURANCE

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Chalmers has the depth of expertise to provide full coverage of even the most specialized business, property or organization:

  • Chalmers Camp Insurance - Youth Camps 
  • Chalmers Logging Insurance for foresters, harvesters & haulers
  • Campgrounds, Outdoor recreation & Ski areas
  • Student Accident & Health: Our sister company, NAHGA specializes in this coverage
  • Municipalities, Schools, Non-Profits