Why Construction Companies Need Specialty Insurance

Posted on July 31, 2025July 24, 2025 by admin

Construction companies in Dover, NH operate in a high-risk industry and require various types of insurance to protect their investments and build customer trust. Several types of insurance are essential for construction company owners to consider.

Workers’ Compensation

Construction is a physically demanding industry, and employees frequently face a higher risk of injury compared to those in other fields. The use of heavy equipment and construction tools can lead to injuries such as shoulder strain or wrist damage. Workers’ compensation insurance ensures that employers won’t have to pay out of pocket for medical bills or face liability lawsuits, providing essential protection for both employees and businesses.

Liability Insurance

Liability insurance is critical for construction companies. This coverage protects businesses from liability lawsuits that may arise during a project or other similar events. For instance, if a home is damaged during construction or a third party (not an employee) is injured on-site, liability insurance can help cover the associated costs.

In some cases, liability insurance can also cover settlements if there is a judgment against your company. Speak with a professional at Gateway Property & Casualty to explore your coverage options and ensure your business is adequately protected.

Bond Insurance

Clients often require bond insurance before hiring a construction crew. This type of insurance ensures that the job will be completed in accordance with the terms of the agreement. Having bond insurance can expand a construction company’s opportunities and build consumer trust, making clients more likely to hire your services.

At Gateway Property & Casualty, we understand the unique needs of the construction industry. Our experienced representatives will work with you to find the right specialty insurance to meet your needs. Contact us today to learn more about our services in the Dover, NH area.

Is Wedding Insurance Necessary?

Posted on September 30, 2024September 30, 2024 by admin

Your wedding day is unique in your heart, radiating with memorable moments and emotions. However, unexpected occurrences at the ceremony or reception can cause financial strain. Navigating through all possibilities can indeed be stressful. But let Gateway Property & Casualty in Dover, NH, alleviate your worries and make your wedding day more memorable.

Understanding Wedding Insurance

A wedding ceremony and reception are costly events that demand adequate insurance coverage to recuperate any potential loss from unforeseen incidents. However, make sure to understand the coverage offered before agreeing to the terms of a wedding insurance policy.

Benefit of Liability Insurance Coverage

An essential feature of all wedding insurance policies is liability coverage. It protects the policyholder from financial downfall if they’re held liable for injury to a guest or worker and property damage at the wedding ceremony or reception. The liability coverage will cover all repair costs, medical bills, and even aftercare rehabilitation services if required.

Coverage for Wedding Cancellation or Postponement

Wedding insurance is a unique coverage policy offering financial protection under special circumstances. This includes canceling or postponing the wedding ceremony and reception beyond your control. Legitimate reasons triggering such coverage include extreme weather conditions (flash floods, severe snowstorms, or hurricanes), recall of the bride or groom to active military duty, and failure of the bridal party’s gowns and tuxedos to arrive on time.

Wedding insurance is an increasingly popular option that offers protection for all interests involved. The team at Gateway Property & Casualty serving Dover, NH, works to ensure that this special day remains significant. We can craft a policy that allows the newlyweds and their guests to create lasting memories. Call and schedule an appointment with us today.

What is Speciality Insurance and Who Needs It?

Posted on November 17, 2023November 29, 2023 by admin

Ever wondered about that extra layer of protection for life’s unique surprises? Meet specialty insurance. At Gateway Property & Casualty, serving greater Dover, NH, we’re here to demystify specialty insurance and see if it’s the right fit for you.

Unraveling the Mystery: What is Specialty Insurance?

So, what exactly is specialty insurance? It’s a customized safety net designed for specific situations or assets that may not be adequately protected by standard policies. Whether you have a prized art collection, a classic car, or engage in unique activities, specialty insurance steps in to provide tailored protection.

Who Needs It? Exploring the Niche

Now, let’s delve into who might benefit from specialty insurance. If you own valuable items like jewelry, antiques, or rare collectibles, a specialty policy ensures they’re safeguarded. Classic car enthusiasts can enjoy the open road with the assurance that their vintage beauty is protected. Even if you’re into niche hobbies or have a home-based business with specific needs, specialty insurance can be your safeguard.

Your Trusted Partner: Gateway Property & Casualty

At Gateway Property & Casualty, we understand that your life is unique, and your insurance should reflect that. Our team is dedicated to helping you navigate the world of specialty insurance, ensuring you have the coverage that aligns with your distinctive lifestyle.

If you find yourself with unique assets or engaging in activities that demand a specialized touch, it’s time to explore the world of specialty insurance. Gateway Property & Casualty, your trusted insurance partner in greater Dover, NH, is here to guide you through the process, offering personalized solutions that cater to your distinct needs. Secure your uniqueness with us.