The top-rated commercial insurance agent in Scarborough, Maine is Michelle Raber - State Farm Insurance Agent, rated 5.0 stars across 347 reviews. Other highly rated options include Foy Insurance, A Division of World, Cassandra Mancuso, Bankers Life Agent, Varney Agency. This directory lists 16 commercial insurance agents serving Scarborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Raber - State Farm Insurance Agent | 696 US-1 | (207) 883-0111 |
| 2 | Foy Insurance, A Division of World | 152 US-1 Unit 11 | (207) 289-3850 |
| 3 | Cassandra Mancuso, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 4 | Varney Agency | 136 US-1 | (207) 883-8229 |
| 5 | Sentinel Insurance Agency | 14 Fieldways Rd | (207) 708-8211 |
| 6 | Joshua Labrie, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 7 | Lisa McGinness, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 8 | Caleb Bowen, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 9 | Miller Associates | 636 US-1 Ste JA | (207) 510-6301 |
| 10 | Christopher Richard, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
A commercial insurance agent provides coverage solutions for businesses, including liability and property protection. Scarborough-based Michelle Raber - State Farm Insurance Agent offers these essential policies and works with clients to structure service plans that fit operational needs. Renewal management and coverage reviews are part of the ongoing maintenance this agency helps coordinate. It serves single-family homes, apartments, retail establishments, and restaurants throughout the local area.
Foy Insurance, A Division of World serves businesses, property managers, and commercial operations in Scarborough, Maine, with commercial insurance agent services. They help clients secure coverage for property, liability, and other common business exposures, aiming to protect assets and manage risk. As a local agency, it focuses on matching policies to the needs of area enterprises. The company also provides its commercial insurance services to clients throughout the Greater Portland metro area, including South Portland and Cape Elizabeth.
Cassandra Mancuso, Bankers Life Agent serves clients in Scarborough, Maine, and the surrounding communities of the southern coastal region. This commercial insurance agency handles policies to protect local businesses from property damage, general liability, workers’ compensation, and other professional risks. For each typical job, the agent begins by assessing the specific exposures and operational needs of the business before presenting appropriate coverage options from available carriers.
Varney Agency in Scarborough, Maine, distinguishes between ongoing commercial policies, such as general liability or property coverage that renew annually, and one-time risk management solutions like contractor project insurance. Their service team structures coverage to protect local businesses from operational losses, liability claims, and property damage. Coverage options can be tailored to match specific industry exposures common to southern Maine. Ongoing contracts typically include premium adjustments upon renewal, while single-project policies conclude upon completion. Service runs on a scheduled basis tied to policy terms rather than a simple as-needed or one-time system.
Sentinel Insurance Agency in Scarborough, ME, specializes in commercial insurance for businesses, providing coverage such as general liability, property protection, and worker's compensation. It works with local enterprises to tailor policies that address liability risks, equipment coverage, and business interruption needs. The agency helps companies manage inland marine policies for transported goods or equipment. It also assists with seasonal concerns, like adjusting coverage for summer tourism-related operations or winter storm exposure that can impact storefronts and commercial vehicles.
As coastal Maine businesses prepare for winter weather, a solid commercial insurance policy becomes essential to protect against seasonal risks. Joshua Labrie, Bankers Life Agent in Scarborough, works with local shop owners, contractors, and service providers to review coverage needs for property, liability, and business interruption. The approach focuses on matching each client’s operations with appropriate plans while keeping deductibles and exclusions clear. An initial consultation typically includes a walk-through of the business premises to assess exposures and discuss specific liability concerns before issuing a coverage quote.
Lisa McGinness, Bankers Life Agent in Scarborough, Maine, matches businesses with commercial insurance policies that cover general liability and property exposures. Additional specialty endorsements can be arranged for more specific operational risks, such as professional liability or equipment breakdown. The agency serves a range of commercial sectors, including professional offices, warehouses, and food service establishments, tailoring coverage limits to each industry’s distinct liability and asset protection requirements.
Caleb Bowen, Bankers Life Agent provides comprehensive residential insurance solutions tailored to individual homeowner needs in Scarborough, Maine. The office also delivers a full range of commercial coverage designed to protect local businesses from property and liability risks. Clients throughout the Scarborough area can consult with the agent to assess their specific insurance requirements for both personal and professional assets. Many customers later return for routine policy reviews or adjustments between their regular service visits to ensure continued adequate protection.
Miller Associates operates as a Commercial Insurance Agent in Scarborough, Maine, helping businesses manage risk through tailored insurance policies. Its work focuses on evaluating client needs and securing appropriate coverage for property, liability, and workers' compensation. The agency also offers specialty add-ons such as cyber liability and commercial auto insurance to address emerging threats. Its client base includes offices requiring general liability coverage, warehouses needing robust property protection, and food service establishments seeking spoilage and liquor liability insurance.
What Does a a Commercial Insurance Agent in Scarborough Cost?
Typical costs for commercial insurance in Maine vary widely. A small retail shop might pay 500 to 1,500 dollars per year for general liability. Workers compensation rates in Maine average around 1.50 to 2.50 dollars per 100 dollars of payroll for low-risk jobs. Premiums depend on industry, location, and claims history. This is general information and not insurance advice.
About commercial insurance agents in Scarborough
Commercial insurance agents in Scarborough help business owners find coverage for property, liability, and workers compensation. Maine law requires most employers to carry workers compensation insurance under Title 39-A. A local agent can also advise on coverage for coastal storm damage and seasonal tourism risks common in southern Maine.
Frequently Asked Questions
What types of commercial insurance do Scarborough businesses need?
Common coverages include general liability, property insurance, and workers compensation. Maine requires workers comp for businesses with one or more employees. Agents also recommend commercial auto and business interruption coverage.
How do Maine laws affect commercial insurance requirements?
Maine requires all employers to carry workers compensation insurance. Businesses with vehicles must meet Maines minimum auto liability limits of 50/100/25. Agents can help you comply with these state-specific rules.
Can a commercial insurance agent help with seasonal business risks?
Yes. Scarborough has many seasonal businesses near the coast. Agents can tailor policies for winter closures, summer crowds, and weather-related damage. Maine law does not require flood insurance, but agents often recommend it for coastal properties.