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Small business owners across New Hampshire might find it easier to navigate commercial insurance options as local agencies beef up their expertise. Davis & Towle Insurance Group just announced significant changes to their commercial division that could benefit drivers who own businesses or work for companies seeking fleet coverage.
Agency Growth Reflects Market Demands
The Concord-based insurance group has brought on John Kneeland as their new commercial lines manager while promoting Sherri Cole from within. These appointments take effect June 1 and represent a strategic expansion during a time when commercial insurance needs are evolving rapidly.
Kneeland’s background spans multiple major carriers including Providence Mutual, The Hanover, Bristol West, and Farmers. That experience matters when business owners need coverage for everything from delivery vans to construction equipment.
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What This Means for Business Vehicle Coverage
For drivers who operate commercial vehicles, having knowledgeable local agents can make a real difference. Business auto insurance requires different considerations than personal coverage — liability limits are typically higher, and policies must account for employee drivers and specialized vehicle uses.
Cole’s promotion is particularly noteworthy since she’ll now focus on training initiatives while maintaining client relationships. That dual role often leads to better service for existing customers and more consistent expertise across the agency’s 14 affiliated locations.
Small businesses represent about 44% of all commercial vehicles on US roads, according to industry data. These operators often struggle with coverage gaps between personal and commercial policies.
Regional Insurance Market Dynamics
New Hampshire’s insurance landscape has been shifting as more businesses relocate to the state for its favorable tax environment. This creates opportunities for established agencies to expand their commercial operations.
The appointment comes at a time when many independent agencies are consolidating or being acquired by larger groups. Davis & Towle’s decision to invest in commercial expertise suggests they’re positioning for organic growth rather than acquisition.
What Drivers Should Do Now
Business owners should review their current commercial auto coverage to ensure it matches their actual operations. Many discover they’re underinsured when they expand their fleet or change how vehicles are used.
If you drive for work — whether in a company vehicle or using your personal car for business — verify that your coverage applies to work-related trips. Personal auto policies often exclude business use.
Consider reaching out to local agencies that have invested in commercial expertise, especially if you’re planning to start a business or expand existing operations.
Check whether your current agent has dedicated commercial staff who understand the specific risks of your industry.
Finally, don’t assume your business auto rates are locked in — the commercial insurance market has become more competitive, potentially offering better options for qualified businesses.
These staffing moves signal that New Hampshire drivers have access to more specialized commercial insurance expertise, which could translate to better coverage options and more competitive rates for business vehicle insurance.
