At GHM, we know what's important to the people of Maine and we know the value of working together. We've been doing this since 1901, right here in Maine. And every day we work to increase our understanding and education of insurance needs in this shifting world. It's our belief that partnership is powerful and that's why we work with several vendors to improve our knowledge of the complexities of insurance. Our agents will offer you choices and options to help you make well informed decisions about what coverages and limits are right for you.
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GHM Insurance has been serving the insurance needs of Maine families and businesses since 1901. We are an independent agency representing many of the finest insurance carriers. From the largest business to the individual policyholder, we are able to offer you a broad range of insurance policies at very competitve rates.
Home insurance policies can be written to cover your dwelling, detached structures, personal property, loss of use, and personal liability. All deeded owners of the property should be listed as named insureds on the policy. Most insurance carriers offer a variety of broadening endorsements, which can provide coverage for certain exposures that are usually limited or excluded.
When purchasing Life insurance for personal needs you should consider debt, educational costs for your children (if applicable), the loss of income to your spouse and/or children, cost of day care for young children, and funeral expenses. Business owners have special Life insurance needs ranging from funding purchase and sale agreements, securing a loan from a bank, providing protection for a key person or providing deferred income to a key employee.For estate planning, special types of policies such as Survivorship or Second To Die policies should be considered.
GHM, through over 20 insurance carriers, provides insurance for businesses of all sizes. With a wide range of products and services, combined with our knowledge and expertise, we are able to provide insurance to businesses of all types. Below is a listing of several coverages that should be considered by all businesses.
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