Business Insurance Built Around Your Actual Trade
Independent agencies aren't always built for commercial work — but we are. Taylor-Moore Insurance Agency serves contractors, restaurants, truckers, and small businesses across Vermont and New Hampshire with coverage lines most local agencies simply don't carry.
Personal Insurance Built Around What You Actually Own
Whether you're running a crew, managing a dining room, hauling freight, or building your first commercial location, the risks your business faces are specific to your trade. Generic business insurance doesn't cut it. We work with 14 carriers to find coverage that fits what you actually do — not just what fits neatly into a standard policy.
We actively serve commercial clients on both sides of the border. If your business operates in New Hampshire, you're just as welcome here as any Vermont operation. Our commercial book includes meaningful NH business, and we know the regional landscape on both sides.
Every Commercial Line We Carry
Contractors Insurance
Coverage for general contractors, subcontractors, and specialty trades — tools, liability, vehicles, and workers on the job.
Restaurant Insurance
From kitchen fires to liquor liability, restaurant coverage has layers most policies miss. We know the exposure.
Commercial Auto Insurance
Business vehicles need more than a personal auto policy. We cover fleets, work trucks, and commercial vehicles of all kinds.
Inland Marine Insurance
Tools, equipment, and materials that move between job sites need coverage that travels with them.
Businessowners Policy
A bundled BOP combines property and liability coverage for small businesses — often the most cost-effective starting point.
Workers Compensation Insurance
Required for most Vermont and New Hampshire employers. We help you meet compliance requirements and protect your people.
General Liability Insurance
Covers bodily injury, property damage, and third-party claims that can arise from almost any business operation.
Professional Liability Insurance
If your business provides advice, services, or professional work, errors and omissions coverage protects you from claims tied to your work product.
Cyber Liability Insurance
A data breach or ransomware attack can shut down a small business just as fast as it can a large one. Cyber liability coverage is available as a standalone line for Vermont and New Hampshire businesses.
Truckers Insurance
Long-haul and regional trucking operations carry unique federal and state compliance requirements. We have coverage built for it.
Builders Risk Insurance
Coverage for structures under construction — protecting the project from the ground up until the keys are handed over.
Commercial Umbrella Insurance
When a claim exceeds your primary policy limits, a commercial umbrella fills the gap. It's the coverage you hope you never need.
Why Vermont and New Hampshire Businesses Work With Us
Most local agencies in this region carry one to three carriers. We work with 14. That matters when your business doesn't fit a standard risk profile — when you're a contractor with a mixed crew, a restaurant with a liquor license, or a trucker with specific cargo requirements. More carriers means more options, and more options means better coverage at a more competitive price.
We also have two staffed offices in Derby and Barton, Vermont. You can call, walk in, or reach us through our website. When you have a question about a certificate of insurance or a claim, you're not waiting on hold with a national call center.
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Access to 14 commercial carriers across all lines
Coverage for contractors, restaurants, truckers, and specialty trades
Cyber liability available as a standalone policy for small businesses
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Commercial clients served in Vermont and New Hampshire
Two physical office locations in Derby and Barton, VT
Real people who know the rural New England business environment
Cyber Risk Isn't Just a Big-Company Problem
Small businesses are increasingly targeted in cyberattacks precisely because they're less likely to have protections in place. A ransomware attack, a data breach involving customer information, or a phishing scheme that compromises your accounts can generate real financial losses — and standard business policies don't cover them. Cyber liability insurance is available as a dedicated line for Vermont and New Hampshire small businesses, and it's one of the most under-purchased coverages in the region.
Common Questions About Personal Insurance
Frequently Asked Questions
What insurance does a small business need in Vermont?
Most Vermont small businesses start with a Businessowners Policy, which bundles property and general liability coverage into one policy. From there, your specific trade often drives what else you need — contractors typically add inland marine and workers comp, restaurants add liquor liability, and service businesses may need professional liability. We'll walk through your operation and make sure nothing is left exposed.
Does my business need cyber liability insurance?
If your business stores customer data, processes payments, or relies on digital systems to operate, the answer is almost always yes. Cyber liability insurance covers losses from data breaches, ransomware, and other digital threats that standard commercial policies exclude. It's available as a standalone line and is worth a conversation regardless of your business size.
Do you insure New Hampshire businesses?
Yes. We actively serve commercial clients across New Hampshire alongside our core Vermont business. Whether you're based in Colebrook, Littleton, or elsewhere in the state, we can quote and bind commercial coverage for your operation.
Can you cover a contractor who works in both Vermont and New Hampshire?
Yes. We regularly work with contractors and trades businesses that operate across state lines. We'll make sure your policy reflects where your work actually takes place, including any out-of-state liability and workers comp requirements.
What makes Taylor-Moore different from a larger commercial insurance agency?
We know this region. We understand the trades, the agricultural operations, the seasonal businesses, and the risks that come with rural New England. And because we work with 14 carriers, we're not pushing you toward a single company's product — we're finding the right fit for your business specifically.
Get a Commercial Insurance Quote
Tell us about your business and we'll find coverage that fits. We serve contractors, restaurants, truckers, and small businesses across Vermont and New Hampshire — with access to 14 carriers and two local offices ready to help.