Business Insurance

A business owner's risk varies significantly according to the type of business they operate. This really requires a thorough risk management review, and it's no place for the inexperienced agent. Be sure you're dealing with a Chartered Property Casualty Underwriter or Certified Insurance Counselor. Lapointe Insurance Agency's principles hold both these designations, assuring you of competent risk assessment and advice.

If you are planning a new business, or need general information on your business insurance, use this guide to determine what type of coverages you need. Contact a Lapointe Insurance account executive for further information.

We offer the following online services to make your insurance shopping experience easier:

If you have any questions, please contact us directly and one of our agents will be happy to help you.

Bonds

We offer Commercial Fidelity (including ERISA) Bonds and Commercial Surety (Bid and Performance) Bonds as agents for Hartford Insurance and Travelers Insurance. The table provided here contains a summary of our capabilities.

Contact our Commercial Accounts department for a prompt premium indication or answers to your questions about bonds.

Bond Availability Guide

Public Entities

  • Tax Collectors
  • Treasurers
  • Sheriffs
  • Town Managers
  • Superintendent of Highways
  • Court Clerks
  • Notaries Public
  • School Board Members

Contractors

  • Performance & Payment bonds
  • Supply
  • License & Permit
  • Court
  • Wage & Welfare
  • Pollution and Environmental Impairment

Transportation/Trucking

  • Supply
  • Court
  • License & Permit
  • Financial Guarantee
  • Fuel Tax
  • Toll Charge
  • ICC/Transportation Broker - NOT A DESIREABLE CLASS OF BOND

Colleges and Universities

  • Alcohol
  • Court
  • License & Permit
  • Financial Guarantee
  • Private School Tuition Guarantee

Automotive Dealers

  • Supply
  • Court
  • License & Permit
  • Financial Guarantee
  • Motor Vehicle Guarantee

Non-Profit Organizations

  • Court
  • License & Permit
  • Financial Guarantee
  • Unemployment Compensation

Health Care Industry

  • Nursing Home Patient Trust
  • Alcohol
  • License & Permit

Banks/Financial Services
*Surety

  • Court
  • Replevin, Attachment, Claim and Delivery, etc
  • Check Seller
  • Money Transmitter
  • Small Loan License
  • Blanket Lost Instrument/Waiver of Probate
  • Coupon/Bond Cremation
  • Blue Sky, Insurance Broker, Mtg. or Real Estate Broker

Employee Benefits

Small employers can improve employee retention and provide meaningful assistance to their staff with a sound employee-benefit program designed by Lapointe Insurance. Working with strong, nationally-ranked carriers such as Hartford, Travelers and United Health Care, we can provide a plan to suit your needs and your budget.

Contact our benefits department for a premium indication or answers to your questions.

We offer the following products and services for any size business.

Group Medical & Dental Plans

Payroll Deduction Life & Disability Plans

Self-Funded Medical Plans

Section 125 Premium Conversions Plans

Group Long Term & Short Term Disability

Full Cafeteria Plans

Accidental Death and Dismemberment

Group Carveout Plans (Life & Disability)

Group Life Insurance

Group Long Term Care Plans