Business Owners Policies (BOPs) 

Presented by Chalmers Insurance Group
800-360-3000

Proudly Representing Patriot Insurance Company

Business owners have a lot to consider when choosing insurance that fully protects their business. One coverage option, a business owner’s policy (BOP), can take the guesswork out of the process. A BOP bundles several types of coverage in one package, similar to the way a homeowner’s policy works but is designed for small and midsized businesses.

BOP Key Features

A BOP generally combines the following types of coverage in one convenient bundle:

  • Commercial property insurance—Covers losses to property from common perils. It also covers office equipment, furniture, inventory, machinery, raw materials, computers and anything else that is vital to business operations.
  • General liability insurance—Covers a company’s legal responsibility for any harm it may cause to others, up to the policy limit. It also covers attorney fees and medical bills for anyone injured by the company.
  • Business interruption insurance—Reimburses for loss of income if a covered disaster interferes with the successful operation of the business.

Exclusions

Although a BOP is a convenient insurance option for small to midsized business owners, it does not cover professional liability, auto insurance, and workers’ compensation. Workers’ life, health and disability coverage is also excluded. For those exclusions, business owners can purchase separate insurance policies. Other examples include the following:

  • Crime coverage—although it is minimal, crime coverage can be added to a BOP to cover losses as a result of crime, such as employee dishonesty and computer fraud. Typical crime coverage ranges between $1,000 and $5,000.
  • Data breach coverage—this coverage is commonly added to BOPs to help remedy the following losses resulting from data breaches:

Notifying impacted individuals
Hiring crisis communication consultants
Defense and settlement costs from associated lawsuits
Replacement of lost income
Extortion and ransom payments

  • Errors and omissions (E&O) coverage—Businesses that provide services for a fee can be sued by customers who claim that they were harmed because the business failed to perform its job properly. E&O coverage pays for any judgment for which the insured is found legally liable, up to the policy limit. It also covers legal defense costs.

Ideal Candidates for a BOP

Businesses that have the following characteristics are ideal candidates for a BOP:

  • Operate in a physical location, whether home-based or outside the home
  • Have assets that can be stolen, including products, cash, furniture, and digital property
  • Are at a high risk for lawsuits
  • Employ less than 100 employees and have less $5 million in sales

The following types of businesses frequently purchase BOPs to protect from losses not covered by general liability insurance:

  • Manufacturers
  • Religious organizations
  • Apartments
  • Restaurants
  • Technology consultants and solutions providers
  • Wholesalers
  • Retailers

Eligibility

Small to midsized businesses need to meet specific criteria to be eligible for a BOP. When determining eligibility, insurers consider factors that include the type of business, size of its primary location, class of business and revenue.

Premiums for BOP policies are based on eligibility factors, as well as financial stability, building construction, security features and fire hazards.

When purchasing business insurance, it is important to obtain the right amount. Contact Chalmers Insurance Group for guidance as to whether a BOP is a logical choice for your business.

2020 MWV Ice Fest in the Mt. Washington Valley!

Outdoor adventure in the Mt. Washington Valley has so much to offer. Visitors and residents alike are lucky to have access to acres of national forest in which to experience outdoor activities from hiking to climbing and beyond. The Mt. Washington Valley is known for being home to the highest peak in New England, Mount Washington. It also has garnered fame for being a premier destination for waterfall ice climbing.

Being known for waterfall ice climbing in the Mt. Washington Valley, also means that some amazing people come out to climb them. With this combination a group of dedicated climbers in the Mt. Washington Valley in partnership with the International Mountain Climbing School in North Conway, NH created the MWV Ice Fest!

Going on 27 years now, the MWV Ice Fest is a three-day event focused on climbing clinics, gear demos, entertainment and more. The theme that always runs through this event, year after year, is a celebration of climbing. You’ll see old friends at this event, make new ones and even connect with potential climbing partners! You’ll gain a deeper respect for the great outdoors, learn new skills, and try gear out before you invest in it.

Over forty clinics are being held Friday through Sunday. Clinic topics range to include:

Steep Ice – Intermediate and Intro,” where you’ll learn how to move smoothly on steep ice, identify different types of vertical ice and its colors and how to make quick and efficient decisions based on those characteristics;

“Thin Ice,” where you’ll learn skills and confidence on how to gauge thin, scrappy terrain, how to move confidently when it gets a little spooky, and how to finesse your way up inches-thick ice safely.

One-Day Ascents Up Mount Washington, where participants and the clinic guide will discuss general mountaineering skills, winter navigation and we will be able to practice basic crampon, ice axe skills and self arrest techniques.

“Snow and Ice Anchors,” which is a full day course that offers important information about construction and equalization of anchor systems for both snow and ice climbing.

“AIARE Level I Avalanche Course,” which is a three-day clinic that provides a basic understanding of avalanches, describes a framework for decision making and risk management in avalanche terrain, focuses on identifying the right questions, rather than on providing “answers,” gives lessons and exercises that are practically oriented, useful, and applicable in the field, and breaks down how to use Mammut’s beacon system.

These are just a sampling of the forty clinics being held during the 2020 MWV Ice Fest. For a comprehensive break-down of Friday’s, Saturday’s, and Sunday’s clinics, click the links.

Friday and Saturday evening is headlined by a live presentations from decorated Alpinists that have made ascents around the world. A DJ’d dance party, beer tasting and silent auction are also staples of these “after parties.” Each presentation is held at Theater in the Wood, in Bartlett, NH.

The Mt. Washington Valley offers a depth of varied natural terrain. It’s a premier ice climbing destination, and is a main source of opportunities for winter climbing in New Hampshire. The MWV Ice Fest, highlights what a treasure this source is, and is an event not to be missed. Perfect for beginners and seasoned climbers, your winter is not complete without taking part in this comprehensive ice climbing celebration.

Featured photo by Brent Doscher, c/o MWV Ice Fest

Awesome Ski Deals in the Mt. Washington Valley!

Spending time skiing Mt. Washington Valley is as good as it gets. But if you can find a great deal to ski the White Mountains, then that is just fresh powder on the slopes…icing on the cake…the cherry on top. You know what we mean, a great deal on trail passes in the Mt. Washington Valley is pretty great!

We’ve taken a sampling of specials the Mt. Washington Valley Nordic ski centers and ski mountains have put together and shared them here with you. Be sure to mark your calendars for some of these dates and specials! The Mt. Washington Valley ski areas have put a lot of thought into fun and affordable ways to share the magic of skiing in the White Mountains with you and we’re psyched to pass the information onto you!

Jackson Ski Touring Foundation: On Saturday, February 8th, Jackson Ski Touring is hosting WinterKids Family Day! This ski center is giving away free and discounted trail passes for the whole family, including: One free junior trail pass;  five dollar sibling trail passes; fifteen dollar parent trail passes; and fifteen dollar rental packages Skiers looking to enjoy these specials must have a WinterKids App membership. Jackson Ski Touring staff will be on hand with information about its programs and are there to create a fun day on the trails, so come out and join them!

King Pine Ski Area: Skiing is as easy 1-2-3 with its 1-2-3 Ski or Snowboard package. This special is geared for First-Time Skiers and include rentals, lessons and lift tickets. You purchase this special and the time you take the lessons are up to you.

Each 1-2-3 Package includes

  • 3 All-day lift tickets (beginner lifts on day 1 and All-lifts tickets on your 2nd and 3rd day)
  • 3 group lessons
  • 3 days of rentals (skis, boots and poles OR snowboard and boots)
  • 50% off tickets, rentals and lessons upon completion of all 3 lessons!

When you take your group lessons is up to you– take one now, one in a couple of weeks and one later in the 2020 season. Upon completion of all 3 lessons, you will receive a pass good for 50% off tickets, lessons and rentals for the remainder of the current 2020 season.

Bretton Woods: This ski area is full of surprises and is always coming up with great events and specials to get you out on the slopes! Try its 2-4-1 Wednesdays, where during the 2019-20 ski season you can get two alpine lift tickets for just $88.00

Nordic skiers can ski Bretton Woods’ trail network fo $21.00 for two Nordic trail passes.

Are you a single skier? Get a single day ticket on Wednesday’s for only $78! **Pricing excludes holiday periods and the following blackout dates.

Also be mark your calendars for “The Big Game” special on February 2nd. Ski or ride at Bretton Woods for $54.00 and then make your way to Slopeside Pub to cheer! This special also applies to Nordic skiers! Gather a group of four and get four trail passes for $54.00!

Great Glen Trails: Get total access to Great Glen Trails with the T3 Pass! For one discounted price the T3 pass includes:

  • a trail pass for XC skiing
  • a trail pass for snowshoeing
  • XC ski rentals
  • snowshoe rentals
  • all-day access to the tubing hill
  • a winter tour on theMt. Washington SnowCoach

Swap your rental skis for snowshoes and back again and spend the entire day with Great Glen Trails! Try every winter activity that has been on your list! You don’t even have to leave the grounds for lunch! Great Glen Trails offers lunch at its Glen View Cafe or consider an apres-ski drink or snack at The Glen House, across from Great Glen Trails!

Shawnee Peak, the Gem of Western Maine

By Kathy Bennett

Shawnee Peak is an often overlooked gem of a ski area. Located between North Conway and Portland in western Maine, many overlook it as they head out to Maine’s big resorts, or drive past on the way to NH’s White Mountain resorts. But on a recent sunny day during a ski vacation week, we took to Shawnee’s storied slopes and discovered why it’s been charming skiers in western Maine for over 80 years.

Here are our top reasons why Shawnee Peak is worth your while!

  1. Most Night Skiing in Maine – Unlike many ski areas that only open a few trails at night a few times a week, Shawnee goes all in for night skiing. Open 6 nights a week, skiers can get after the majority of their terrain (all but the Sunnyside/East Lodge trails are open at night). Their Racing with the Moon Race series lets adults enjoy recreational ski racing under the lights.
  2. Value – Speaking of night skiing, Monday Night Madness lift tickets are only $15 (non-holiday dates of course). But even their day rates are more than reasonable in this day and age of lift ticket prices breaking the century mark at the mega resorts.  Adult lift tickets start at just $58 and are valid midweek non-holiday periods from open to close – that means 12+ hours of skiing, probably more than you have the legs for!
  3. The Lake – Moose Lake looms large at the base of Shawnee. Skiing down a mountain towards a body of water is a special experience. Skiing down a mountain at night towards the dark frozen form is just short of magical.
  4. Classic Trail Design – Shawnee (nee Pleasant Mountain) celebrated its 80th anniversary in 2018 and it shows in its classic trail design. With sweet fall lines, curvy trails through the woods and stunning views, this is a mountain that rewards skiers beyond what its vertical drop might suggest. If you like Cranmore Mountain, another octogenarian ski area, you will love Shawnee and find many of the attributes you enjoy at both resorts.
  5.  Innovations – Shawnee may be old but it’s not dated. This year saw the addition of RFID cards at its lifts. Skiers, whether they are buying a day pass or a season pass, use a credit-card sized plastic card which gets scanned as one passes through gates at each lift. Skiers can reload the card online, skipping the ticket line – a real boon on busy days. Other innovations? Their summit triple lift features a special carpet which whisks skiers from the gate to the chair. The result? Fewer stoppages and faster lift speed, without the expense of a high-speed detachable quad. Another fun fact – this triple was repurposed from Loon Mountain, when it was removed from the Lincoln resort in 2004.  Yet another fun fact – Loon’s long-time Director of Skiing Operations Ralph Lewis also made the trip east and is now Shawnee’s General Manager as of 2016!
  6. Access – My last visit was during Christmas Vacation Week. I skipped the crowds of the larger resorts and even though I was parked at the end of their lot, it was still a manageable walk to the lifts. Its location on Route 302 in Bridgton made for an easy meet-up with a family member from Portland. Skip the hassle factor and ski Shawnee.
  7. It’s a Peak! – Maybe this is just personal preference, but I love skiing a mountain where all lifts lead to a single summit, then you get to pick which direction to descend. Maybe this hearkens back to its old-school trail layout. Head east down some winding intermediate trails and take a hot chocolate break in the unpretentious East Lodge, with concession prices that are also a throw-back. Head west from the summit and catch some easier intermediate and novice trails with great views to Mount Washington and the lake. Or if you want some tougher terrain, head straight down under the lift down challenging black diamonds. It’s all good!

If you are a Maine or New Hampshire skier, put Shawnee Peak on your must-ski list for this winter!

The Importance of Building a Workplace Safety Culture

Presented by Chalmers Insurance Group
800-360-3000

Proudly Representing Patriot Insurance Company

Of course, workplace safety is important to you. But how important is it to your employees? If you don’t know, it may be time to evaluate the safety culture at your business and think about what you can do to improve it.

What is a Safety Culture?

A safety culture is the shared beliefs, practices and mindsets that shape behavior at an organization in a positive way.

A safety culture sets the standard for overall safety at your company. For example, if the head chef at your restaurant carries knives blade-up while walking through the kitchen, that tells the rest of the kitchen staff that safe knife handling is not a priority and that they can carry a knife any way they choose. This unsafe behavior is perpetuated by new employees who think this is an acceptable thing to do.

But if the head chef is diligent about health and safety in the kitchen (and always carries knives close to his or her side with the blade down), that attitude will influence the rest of the staff and create a culture of safety.

Why Should I Implement a Safety Culture?

According to OSHA, an established safety culture can reduce your injury and illness costs by 20 to 40 percent. When it comes to the costs associated with safety, consider these statistics from OSHA:

  • Employers pay almost $1 billion per week for direct workers’ compensation costs alone, which comes straight out of company profits.
  • Injuries and illnesses increase workers’ compensation and retraining costs.
  • Lost productivity from injuries and illnesses costs companies roughly $63 billion each year.

If you have high workers’ compensation costs or your premium increases every year, analyzing the effectiveness of your company’s safety culture is a good way to start controlling these costs.

How Can I Motivate My Employees to Care?

You can motivate your employees to care about safety by tying it directly to compensation or incentives. Reward employees who err on the side of safety over efficiency. But make sure you understand the difference between reward and recognition—you don’t want employees doing something just because they know they’ll get something tangible in return.

A strong safety culture with appropriate recognition and rewards will inspire employees to look out for one another and point out unsafe behaviors or situations. Everyone will feel responsible for safety and pursue it on a daily basis by going beyond the “call of duty” to identify unsafe conditions and behaviors and to intervene to correct them.

Where Do I Start?

Your first step to promoting a safety culture is to contact Chalmers Insurance Group today. We can provide you with the roadmap you need to get started and help you along the way, with a portfolio of hand-picked resources to share with your employees.

Where to Play on New Year’s Eve in Mt. Washington Valley, NH!

Are you looking to celebrate New Year’s Eve in the Mt. Washington in a new and fun way this year? We’ve compiled a list of New Year’s Eve events going on throughout the valley to make your search easier. From fireworks in North Conway, NH to family-friendly activities in the Mt. Washington Valley, you and your whole clan will delight in!

For a run-down of New Year’s Eve Dining  in the Mt. Washington Valley, NH click here and scroll to the bottom!

Tuckerman Brewing Company: Tastings and live music with “Pig’s Eye” will be going on at Tuckerman Brewing Company, starting at 3:00pm.

Attitash Mountain Resort and Ptarmigan’s Pub:  Live music with different bands going on from afternoon to after dark, starting at 2:00pm will get your party started!

New Year’s Eve at the Mountain View Grand: Make a tradition out of the Mountain View Grand’s annual New Year’s Family Celebration. Starting at 7:00 pm with an adult and children’s buffet, dancing and entertainment provided by Pete and Chris Amusements will follow. Holiday games and a fireworks display at midnight are part of the evening! Reservations are required.

Live Music at Saco River Brewing: Start your New Year’s Eve celebration with Sheehan & Holden at Saco River Brewing from 4:00pm to 7:00pm! Maine-based singers/guitarists Bobby Sheehan and Jeremy Holden perform a dynamic selection of rock, folk, and blues music by Tom Petty, Neil Young, the Grateful Dead, Eric Clapton, Led Zeppelin, and many more.

Apres-ski at Bretton Woods: Keep the party going after you get off the slopes. Listen to some après ski entertainment and try a new brew at Slopeside Pub located on the 3rd level of the Bretton Woods Base Lodge. Entertainment and promos will be going on from 3:00pm-5:30pm. Kid friendly après ski fun will be going on in the !  Mount Washington View Room. Each party is supervised and includes themed activities and refreshments for kids.

Live Music at Shovel Handel Pub: Come Celebrate NYE with the band Shark Martin, at The Shovel Handle Pub in beautiful Jackson, NH! Enjoy appetizers and a champagne toast along with live music. 200 tickets, $25.00 per person, are available.

Cranapalooza at Cranmore Mountain Resort: Celebrate New Year’s Eve all day at this family-friendly celebration! Ski all morning, then transition to Schneider Square at 2:30pm for $1.00 S’mores, music and dancing and outdoor games.

From 4:00pm to 7:00pm The Wayfarers will be playing live music. At 6:00pm fireworks will start over the South Slope.

From 6:00 – 8:00pm the party continues on the third floor of the Main Base Lodge with cookie decorating, a photo booth, music and Blue Moon glass decorating. Throughout the entire event, Cranmore will be doing giveaways, with a special appearance from Cranmore’s penguin mascot, C-MORE!

New Year’s Eve “Party-bration” at Santa’s Village: Celebrate from 4:00 – 9:00pm by riding your favorite Santa themed rides with a fireworks show at 8:00pm. Tickets must be purchased in advance.

Fireworks over Schouler Park: Take in a spectacular fireworks show in the heart of North Conway Village. Grab dinner at main street restaurant and gather in the park at 9:30pm. for a show in the night sky!

Fireworks over King Pine Ski Resort: Ski into the Night with night skiing/snowboarding lift tickets from 4:00 to 9:00 p.m. Snow tubing will going on, along with ice skating in the covered and well-lit Tohko Dome. S’mores will be for sale around the campfire at the base of King Pine. The night concludes with  fireworks at 9:45 p.m.

New Year’s Eve Bash at the O Club: All ages are welcome to this party! Starting at 7:00pm, your ticket provides live music by the band, “Lie to Me,” food and a champagne toast.

Rock and Roll and American Roots with Wildcat Tavern: Going on from 7:00pm to 1:00am. Enjoy dinner in the restaurant and listen to and dance the night away to Jonathan Sarty and his band playing in the Tavern.  Reservations required.

Live Music at McGrath’s Tavern New Year’s Eve with Live Music at 9 pm. No cover – no reservations need. 603-733-5955

New Year’s Eve Party at Cigar Shenanigans – No Commitment. No tickets necessary! Come, relax, hear some great music (beginning at 9), have a champagne toast at midnight! 603-307-1036

Winter Events in the Mt. Washington Valley!

The Wentworth Inn’s Annual Ice Sculpture Competition:  Three hours and a 300 pound hulk of ice. That’s what over a dozen national competitors have to work with when it comes to creating an award-winning ice sculpture. Over a dozen artists will use anything from a hammer and chisel to a chainsaw to create works of every kind. Watch as human beings, animals, abstract figures and more come to life from a hunk of ice through the vision of the sculptor.

The Wentworth Inn has been hosting the  Great Ice Carvers Invitational Ice Carving Competition for over 20 years and this should be the year you see it for yourself! Even if you can’t make the opening day, you can still enjoy the glazed glories out front for as long as they can withstand Mother Nature’s fickle temperatures!

LGBTQ Ski Weekend and Dance Party: Come to the White Mountains and celebrate equality! Ski all day with special lift ticket and lodging packages through Cranmore Inn. This promotion gives you access to the slopes of  Cranmore, Attitash or Wildcat Mountains. A Pride Dance Party follows, on Saturday January 4th at McGrath’s Tavern. Get the party started with DJ Disco Dungeon.

Night Dog Sledding Ride: Experience an authentic dog-sled ride through the White Mountain National Forest at Great Glen Trails. Partnering with Outlaw Ridge Sled Dogs, Great Glen Trails offers you the chance meet and greet the dog team, then take an intimate 4 mile tour on its trail system. Be sure to reserve a space as only three departures are scheduled.

Tin Mountain Conservation Center Youth Art Program: Junior nature artists are invited to join local artist and longtime teacher,  Deb Ayers, for a drawing class. Artists will spend the morning learning to draw the wonderful furry and feathery animals of our New Hampshire woodlands. Space is limited to so be sure to reserve a spot for the young artist in your life!

Learn to Line Dance at Zip’s Pub in Cranmore: Kick up your heels with Jen’s Friends Cancer Foundation and help this non-profit raise money for its cause.  Happening on Thursday, January 30th, enjoy a night of fun & Country Line Dancing. You’ll be led by an instructor, music will be playing and appetizers will be provided. Centerplate restaurant at Cranmore will be catering and beverages will be available for purchase at Zip’s Pub.

Holiday Ski Preview for Mt. Washington Valley, NH

By Kathy Bennett

With the first big ski week for the 2019-20 season coming in a few days, we’d like to share a coming attraction of what skiers can expect for conditions and activities from Christmas to New Year’s 2019!

First  a word about conditions. Skiing today at Wildcat Mountain was superb. Rebounding wonderfully from last week’s warm weather and precip, snowmakers and groomers returned with a vengeance, prepping the slopes for the coming holiday visitors. Wildcat was reporting machine groomed/packed powder conditions today and it was a joy to run laps on their high speed quad under blue skies. Highly recommended to erase any pre-holiday stress.

All our local downhill mountains are open. Attitash had both peaks open and connected – and had since their opening day December 6. They are planning a humdinger of a New Year’s Eve with fireworks and the first of their After Dark concert series featuring Yellow Brick Road, an Elton John tribute band.

Bretton Woods has been running their new gondola since opening day, now offering 3 ways to summit from the base area and a weather proof one to boot. It’s the only 8 person gondola in NH so expect it to help alleviate lift lines and give you a chance to warm up on colder days.

King Pine is also hosting a New Year’s Eve Party with special early fireworks. Young families will appreciate their easy terrain open for night skiing – and the excuse to call it a night early!

Cranmore is planning on a big week for their Kids Rule kids camps. With their own learning center, specialized terrain and kid-friendly lift, it’s perfect for active families. Not a skier? Hit the Mountain Adventure Park and tube, soar and swing on their outdoor rides and attractions. It’s as close to an amusement park you can find in winter.

Black Mountain is back at it for another season. Off the beaten track with fewer guests and shorter lift lines, Black is a great choice for busy periods especially on days that are cold or windy. Stay at Adventure Suites for two nights or more and get two free Black Mountain lift tickets included in your room rate. Sweet!

Just over the border in Maine, Shawnee Peak also recently opened. Shawnee Peak offers the most night skiing in the state of Maine – so head over sometime and check out their great night-skiing terrain. It’s a treat to ski down towards the lake a night and see the lights twinkling all around! Can you make out the letters that spell out “L-O-V_-E”? Try it! They’ve got a whole line up of events for the holiday too.

A quick cross country skiing update for you … there is definitely skinny skiing to be had. For Jackson Ski Touring, head up to Prospect Farm where they have been grooming for both skate and classic. As of this writing there is some skiing on the Wentworth Golf Course. Review their snow report for details as conditions can change.  Great Glen Trails has been open for weeks and this is a year where yes, elevation matters.  They had 40km open as of this writing.  Bretton Woods is also reported to be in nice condition and got 6″ of snow on Dec. 18.  Bear Notch, King Pine and MWV Ski Touring, check their websites for the latest.

Another quick note – some but not all areas are open on Christmas Day. Be sure to call ahead and confirm operations. I for one am heading to Bretton Woods for our annual Christmas Day family ski, a great activity to burn off the extra holiday calories!

Vacation week weather is looking promising – no snow in the forecast right now but projected to be nice for being outside and enjoying all the Valley has to offer!

Happy holidays and enjoy skiing this week!

Snowmobile Insurance

Presented by Chalmers Insurance Group
800-360-3000
Proudly Representing Patriot Insurance Company

We can help you cruise through the coverage you need to ensure years of snowmobiling pleasure in the future.

Coverage Basics

A typical snowmobile insurance policy includes the following:

  • Bodily Injury and Property Damage Liability (BI/PD): Covers liability for an accident involving injury to other people or property, up to your liability limits. If your limits are 100/300/100, no more than $100,000 would be paid per person for bodily injury, no more than $300,000 would be paid per accident for bodily injury and no more than $100,000 would be paid per accident for property damage.
  • Comprehensive and Collision Coverage: Policy pays to replace or repair your snowmobile if it is stolen or damaged, regardless of who is at fault. You select and pay a deductible and then the insurance carrier pays the remainder. Collision coverage applies if you hit a nonliving object or other vehicle. This coverage also pays for damages caused by events other than collisions, such as fires, theft or vandalism.
  • Uninsured/Underinsured Motorist: If you get into an accident with someone who is uninsured or underinsured and you were not the at-fault party, the policy will pay for your medical treatment.
  • Roadside Assistance: Policy covers the labor needed for repairs and towing to the nearest repair facility if your snowmobile is disabled.
  • Accessory Covered: Policy covers items that were not originally manufactured on the vehicle, altering the appearance or performance of the snowmobile. This may include trailers, custom modifications, seats/backrests, exhausts, etc.
  • Medical Payments

Do I Really Need to Purchase Coverage?

Snowmobiles are primarily used on off-road terrain, over frozen bodies of water and alongside roads. As a result, they generally operate at high speeds and are prone to accidents and theft.

In addition, many snowmobiles are customized, so it is difficult to establish their value after a loss. Contact Chalmers Insurance Group to learn more about your specific risks and how to protect against them.

Count on Us

Snowmobiles can present many hazards to drivers, passengers, other motorists and property. Before the temperatures cool and you get eager to hop on your snowmobile, contact Chalmers Insurance Group at 800-360-3000 to learn more about how you can insure your vehicle and protect yourself and others.

Gorham House Florist, LLC for Christmas, Weddings, Classes, and more!

The gorgeous window display at Gorham House Florist, LLC offers just a glimpse of what’s inside.

This charming shop is filled to the brim with everything you need to beautify your home for the holidays…  silk snowmen, garlands, wreaths, Christmas decorations, holiday plants, candle centerpieces, and more.

You will also find fresh, silk and dried bouquets, arrangements, home decor, fruit baskets, balloons, plants, dish gardens, and items made by local artisans like jewelry, soaps, and wood crafts. Everything is custom made with a touch of TLC.

A full-service flower shop with over 30 years of designing experience, Gorham House Florist has been named in the Top 3 Best Florists in NH  in WMUR9’s Viewers’ Choice for

three years running. “Our specialty is your order” says Terri Colarusso, who has owned the shop for 22 years.

Whether a daily bouquet or wedding or custom funeral designs Gorham House Florist can create anything to fit your special occasion and your budget! They also offer craft classes from September to March, as well as, supplies and home decor! And, they offer private parties for you and your friends! Follow them on Facebook for class information.

Gorham House Florist, LLC is located at 10 Exchange Street in Gorham, NH. They send flowers anywhere for you ~ locally and in the US and Canada.

To place an order call 603-466-5588 or stop in Mon.-Fri., 9 am – 5:30 pm and Sat. 9 am – 2 pm.

New Year’s Eve in the Mt. Washington Valley!

Looking for all the ways you can celebrate New Year’s Eve in the Mt. Washington Valley? From fireworks to live music to horse-drawn sleigh rides, the New Year’s Eve activities in Mt. Washington Valley will ring in 2020 with a bang!
Enjoy dinner in one of the valley’s pubs or plan a fine dining experience before taking in a fireworks display or show. Get your reservations in now, so your New Year’s Eve celebration in the Mt. Washington Valley  is full of fun. Below are samplings of New Year’s Eve events going on throughout the valley. Click here for a more comprehensive list!
Ski all day at Attitash Mountain Resort and then head to Ptarmigans Pub for apres-ski and live music with the Riley Parkhurst Project on December 31!
King Pine Ski Area is hosting a fireworks on December 31. Enjoy a day of skiing, warm up in its tavern and cap the evening with a fireworks show!
Take an old-fashioned ride through the woods at Red Jacket Mountain View Resort! Enjoy a horse-drawn wagon ride pulled by two beautiful draft horses on December 31.
The Mountain View Grand invites you to its annual New Year’s Family Celebration in the Presidential Ballroom. This family oriented event features dinner, dancing, entertainment, holiday games and our annual fireworks display at midnight!
The valley is showcasing some of its best cuisine this holiday season with special New Year’s Eve menus. Restaurants such as Wildcat Tavern, White Mountain Hotel, have featured NYE events. Click for a complete list of the valley’s holiday dining options.

Shop Mt. Washington Valley: Where to Find Gear This Winter

A universal law that comes into play during the winter months is that you’re nothing without your gear.

Any vet of Mt. Washington Valley winters can attest to this. If you want to have a peak experience playing in the snow, then investing in quality socks, thermal wear, coats, snow pants, gloves, hats and more is crucial to your outdoor adventure.

Sure, winter fun in the Mt. Washington Valley is endless it’s a mecca for snowboarding, skiing, snowmobiling, skating, ice climbing and more. But if you feel the cold air seeping into the cracks of your clothes, then your time limit for being outside starts to considerably shorten.

The Mt. Washington Valley is full of experts that know just how to outfit you for a day, a season or a lifetime outdoors. Shop Mt. Washington Valley, and check out our favorites and have your mind blown about how proper socks and thermal underwear can keep elevate your outdoor adventure.

Eastern Mountain Sports:  “Eastern Mountain Sports knows that every adventurer needs to believe in every single thing that’s in their pack – starting with the pack itself.” Eastern  Mountain Sports belief in functional gear begins with the value of the people and the process involved in creating said gear.  “Eastern Mountain Sports shares your passions in the great outdoors. It isn’t just about what they sell, it’s about who they are.” Featured brands include Eastern Mountain Sports – Techwick, Black Diamond, Merrell, Sierra Design, Mountain Hard Wear, Marmont and much more!

Ragged Mountain Equipment: Located on Route 16 in Bartlett, Ragged Mountain has been a valley staple since 1978. Starting with hand-made swami belts, chalk bags, and gear slings as anchor pieces, Ragged’s fleet of gear and clothing has evolved to outdoor performance gear and casual apparel for men and women. Ragged’s own brand is manufactured in Bartlett, New Hampshire. They’re a must-stop for quality hand-made women’s and men’s apparel, as well as finding your favorite brand-name labels in winter gear.

Olympia Sports:  Wants to be your community sporting goods store! Anchoring the North Conway Village with sports-wear for over 20 years, Olympia Sports has over 120 brands of athletic wear. Featuring brands such as SmartWool, The North Face, Avalanche and more, you’ll find all you need for men’s, women’s and children’s winter apparel.

Synergy Sportswear:The best brands in town are at Synergy: Patagonia, The North Face, Ugg, Birkenstock, Sorel, Maui Jim, Oakley, Ray Ban and so much more!

REI Co-Op: Settlers Crossing in North Conway is home to New Hampshire’s first REI Co-op. This particular Co-Op is REI’s first-ever outdoor experience center, high-end equipment in addition to offering expansive gear rentals, high-end equipment demos and guided outdoor experiences. One interesting aspect to REI is that it’s a member-owned co-op. While anyone may shop at REI, members pay a lifetime $20 membership and share in the company’s profits through an annual dividend.

 

Anything is Possible!

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