Personal & Family Lines of Insurance


Granite State Insurance and Risk Management has all of your personal insurance needs covered from Home & Auto, Umbrella, Classic & Collectible Vehicles, Motorcycles, Snowmobiles, ATV’s, Boats, Firearms, Jewelry, Antiques, Mobile Homes, Motor homes, and Trailers. We have all of your needs covered under one roof. We offer very competitive rates from many of the most competitive, A rated markets.

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Business Owner Policy


A business owners’ policy which can also be referred to as BOP can be defined as a commercial insurance policy specially patterned for the purpose of small and medium-sized businesses to offer a reduce premium policy for general liability and property insurance bundling. Many small entrepreneurs purchase a business policy package called business owners’ policy (BOP). Typically, a BOP involves property insurance, liability insurance, business or continuation insurance but it offers a minimized premium and making its coverage more affordable than separately purchased policies and at the same time give the best insurance policy.

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Auto / Fleet


Fleet vehicles can be described as an actual number of motor vehicles owned or leased by a business or company, government agency, parastatal or organization other than belonging to an individual. Vehicles owned and operated by taxicab companies, public bus companies, car rental companies, public utilities, and government agencies that have more than five cars are typical examples of fleet operators. As a company, having a reason numbers of vehicles in your fleet, commercial auto insurance has become most affordable for a fleet of commercial vehicles to make their everyday business operation a hitch-free than individual vehicle insurance.

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Workers Comp


Workers’ compensation insurance covers a business owner from claims filed by employees who sustain a work-related injury either in the workplace or in the course of business operation outside the premises. If you are a employer of labours, the law requires you take up workers’ compensation insurance to ensure employees who sustain injuries in the course discharging his or her duties receive the insurance benefits as portrayed by law. It is mandated that worker’s compensation insurance be separated from all the other company’s insurance policies. Typically, the worker’s compensation insurance law depends on each state.

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Liability & Property


Commercial Property Insurance is an insurance coverage that protects properties a business owns such as building either owned or lease as well as personal assets including equipment, furniture, inventory, and tools. This insurance policy also covers assets such as computers, accounts receivable and income loss during down time due to a covered loss. Depending on the plan arrangement, the business coverage can be tailored to involve additional protection, such as valuable documents and records coverage that covers payment of reproducing vital documents, temporary storage and move records to prevent a loss in the course of business.

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As a generalist, Michael focuses on many forms of business insurance solutions for a wide array of clientele. His main focus is businesses which employ between five to fifty employees.

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Protecting our New Hampshire, Massachusetts & Maine clients with tailored coverages for your individual & business needs.


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This website belongs to an Insurance Agency based in New Hampshire. If you have a claim to submit to Granite State Insurance Company, please call 877 TO SERVE or 877 867 3783. This agency is not affiliated with Granite State Insurance Company