As a Nashua, NH area independent insurance agent, Atlantic Insurance & Benefit Company is proud to work with several different insurers. We are really enthusiastic about selling insurance with Foremost Insurance Group for the following 5 reasons:

Specialty Lines Coverage Do you live in NH or MA and own Boat, Motorcycle, RV Camper or Motor home? Foremost has some of the lowest rates and most comprehensive coverage available. We had a client recently insure a Boston Whaler (Montauk 17) with Foremost for only $106 a year (with boat coverage of $3500 plus towing and $500,000 liability!)

Replacement Cost Foremost Insurance Group is one of only a few insurers who will provide replacement cost coverage on your RV and motorcycle. (How about replacement cost for your home and personal belongings..? Foremost offers that as well.)

Own a Manufactured or Mobile Home? Foremost Insurance is a leader in insurance for mobile homes. Yes their rates are attractive- but did you know they offer coverage for earthquake, and replacement cost is available for your mobile home & contents! 

Ever hear of Farmers Insurance? Foremost is a Farmers Insurance Group company. A rated company with AM Best Foremost has financial strength and stability. 

Commercial Coverage Foremost has products that extend beyond personal lines to cover businesses of almost any size. Just started a business and need Worker's Comp? Foremost can help. Own a building that is split use- commercial and residential Foremost offers coverage for that as well.
 
If you live in Nashua, Hudson, Hollis, Derry or Merrrimack or pretty much anywhere in NH and you would like to learn more about how Foremost Insurance can hep you please call NH Foremost Insurance Agency Atlantic Insurance & Benefit Company at 1-888-882-2909.

 





Minuteman Health, a co-operative health insurance plan headquartered in MA has decided to no longer offer health insurance to individuals an employers here in New Hampshire. Citing depleting capital and a reduction in their surplus, Minuteman notified the NH insurance Dept. as well as the federal marketplace that they will stop writing coverage as of January 1, 2018. Current Minuteman Health clients will be notified by mail in the next 60 days.

In 2017, Minuteman Health enrolled over 27,000 members in the individual marketplace here in NH and also offered health insurance to a few dozen small employer groups.

It is important to note that the NH Insurance Dept has received an application from Minuteman Health's leadership to form a new health insurance company that MAY offer coverage to individuals and businesses in NH in 2018. So we may see a different version of Minuteman re-enter the NH Health Insurance Marketplace in 2018.

Should I worry about losing my NH Minuteman Health Insurance coverage?
No, not really. NH has consumer protective legislation that requires insurers to provide advanced notice when departing NH state's health insurance market. Also there are other NH health insurers that are obligated to accept applications from qualified applicants during open enrollment or special enrollment periods

For NH Minuteman Health members what to expect:

• To have coverage through the end of 2017
• Claims will be paid for covered services
•  During Open Enrollment for 2018 NH Marketplace coverage there are other alternatives to consider- including Anthem Blue Cross Blue Shield, Harvard Pilgrim Healthcare and Ambetter
• An alternative organization Minuteman Insurance Inc. MAY offer health insurance here in NH in 2018.

If you have questions please:

• Call Minuteman Health at 1-855-644-1776 or see their press release here
• Call NH Insurance Dept. Consumer Division at 1-800-852-3416.  Also please see full press release here from the NH Insurance Dept.
• See Boston Globe article here

For more info about what health insurance options are available please call Steve Donohue NH Health Insurance broker, specializing in coverage for individuals, businesses and Medicare eligible.

As an independent insurance agency in southern NH, Atlantic Insurance & Benefit Company leaves no stone unturned when shopping for discounts for our clients. ​Like other car insurance companies here in NH, Plymouth Rock offers discounts for safe driving, multi-car, package with homeowner, and even installing anti-theft devices in your car.

However Plymouth Rock Assurance takes savings a step further offering SIGNIFICANT car insurance discounts in NH for the following:

• SBLI Policyholders can receive up to 10% off their auto insurance premiums
• Member's of NH Society of CPA's also get up to 10% off car insurance rates
• NH State Employee Association members can also save up to 10%

Plus Plymouth Rock is the only NH auto insurer to offer a special program for Patriots fans!

If you live in southern NH - Hudson, Nashua, Amherst, Londonderry, Merrimack or Hollis please take a moment to consider Plymouth Rock for your home or car insurance - their rates are great and their coverage levels are is exceptional!


For  Plymouth Rock NH Home or Car Insurance quote call us toll free at 1-888-882-2909 for a same day quote.

Citing "..rising costs and uncertainty about what is going to happen at the federal level, New Hampshire residents are facing potential instability" in the NH health insurance market for 2018, today the NH Insurance Department provided guidance to Insurance companies.

There are both state and federal laws that protect employer groups and individuals who purchase health insurance here in NH. In a press release the NH Insurance Department made clear a few rules:

• Health insurance in NH Is a guaranteed renewable. If an insurer decides to  stop offering a specific plan they must provide the consumer with 90 days  advance noticed AND “the option to purchase any other health coverage currently being offered” by the company in the same market (individual, small group, or group).
• If a health insurance company decides to leave NH  they must give notice 180 days in advance
• Insurance companies that exit a group or individual market will be barred from re-entering that market for 5 years  

In addition the NH Senate has passed an amendment to House Bill 469 that will offer authority to the NH Insurance Commissioner (operating under guidance from the legislature and Gov. Sununu) to take steps to shore up the NH Health Insurance market. These steps to strengthen the health insurance market include:

• Seeking a federal waiver and funds to stabilize the market
• Working with the NH Health Plan

For questions about how upcoming changes will impact your NH group  or individual health insurance coverage please call Steve Donohue of Atlantic Insurance & Benefit Co. (a health insurance professional in NH since 1996) a call at 603-882-2909.  

What is Usage Based Insurance (UBI)? UBI is a new term in the auto insurance industry. It's a way of charging a different amount for car insurance based upon a consumer's Actual Use of their car.

Progressive CEO Tricia Griffith explains that UBI ties premiums to a person's driving behavior and predicts UBI "will be the norm over time." As a leader in the car insurance market here in NH and throughout the country, Progressive Insurance launched their UBI SNAPSHOT program a few years ago. See article.

The Snap Shot program began as a plug in device that was used by savvy insurance shoppers (voluntarily!) to help lower their car insurance rates here in NH and in other markets throughout the country. Snapshot Drivers on average save $130!

UBI programs gauge a driver's risks monitoring the Time of Day your car is driven, hard braking, and the amount of miles that you drive.

What began as a plug in device with improvements in technology, today insurance companies like Progressive can collect driver data using a smart phone app. In December of 2016, Progressive launched a new smart phone app in 4 states and is pleased with the initial results. Using the smart phone SnapShot app Progressive has monitored over 500,000 trips and over 6.2 Million Miles.

So rather than using estimates to determine what you pay for car insurance rates, companies can now be more exact in their pricing. If you are in the Nashua, NH area  and want more information about how Progressive's Snap Shot can help lower your car insurance rates please stop by or give us a call.

Atlantic Insurance is thrilled to be a Nashua, NH Snapshot Certified Progressive Insurance Agency.