Localism: Bedford, NH

Are You Fully Covered? Must-Haves for Restaurant Insurance

Wed, 26 Nov 2008 14:43:05 -0600

If you own a restaurant, coffee shop, or a bar, you understand that lots of accidents can happen. As a result of slippery floors, waiters and waitresses rushing around, alcohol intake, and the possibility of food spoilage, a restaurant is a hotbed for lawsuits. You most likely already have restaurant insurance, but are you absolutely sure you’re covered for everything? Have you considered the worst-case scenarios? Depending on where you’re located, you could have many dangers right at your restaurant’s doorstep. It may be time for you to re-evaluate your restaurant, coffee shop, or bar insurance policy. There are a few very basic types of insurance that no one should be running a food industry establishment without.

Food spoilage. What if a huge storm knocks out the power overnight, and by morning, all of your food is spoiled? And on that note, you would have to close the place down for a few days while you had new food brought in. Do you have business interruption insurance to cover your loss of income during that time? It also covers lost funds in the event of damage due to weather or theft.

Property insurance will cover damages when fire or other disasters strike, and general liability will pay for medical expenses if someone gets injured on the property of your restaurant, or if they get food poisoning. Workers compensation does the same, but for your employees. (This is a must.)

There are also other types of insurance you may need, especially if you cater, such as commercial auto insurance. This is just like regular auto insurance, only it covers your employees who drive and the car. Combined with other restaurant insurance policies, it’s also cheaper. And do you serve alcohol? If so, liquor liability is a very good idea. It will cover damaged property and/or injured customers if someone decides to go on a drunken rampage inside your place. This happens much more often than people realize.

Call us today if you’re interested in updating your restaurant insurance policy. After working so hard for your restaurant, coffee shop, or bar, it’s important to keep it protected. We’re CounterPoint Insurance in Bedford, New Hampshire.

Bedford New Hampshire Real Estate Report

Thu, 13 Nov 2008 13:54:21 -0600

The number of single family homes sold in Bedford, NH during the month of October increased from 18 sold (2007) to 20 homes sold in 2008.

The average selling price dropped from $399,328 in 2007 to $358,610 in 2008.

The average DOM (Days on Market) dropped slightly to 90 days from 93 in 2007.

These statistics indicated that property is selling in a reasonable time frame provided that they are priced to sell for the market.

For more information about Bedford NH real estate, visit Bedford NH Real Estate

Visit other NH real estate community websites at New Hampshire Real Estate

Bedford NH 2009 Tax Rate

Sun, 09 Nov 2008 18:14:05 -0600

The Bedford tax rate for 2009 has been set. The new 2009 tax rate for Bedford residents is $18.95 per $1,000 assessed property value, a slight drop from 2008 which was $18.95. The breakdown is as follows: town at $3.81, the county at $1.09, the local school rate at $11.78 and the state school portion at $2.27. Although the town has not yet been officially set, since it is usually done in February. Town officials have anticipated losses of revenues from vehicle regristrations and interest earnings. For Bedford NH home searches go to www.BuyinBedford.com

Bedford New Hampshire

Tue, 28 Oct 2008 20:08:46 -0500

Bedford, New Hampshire formerly farmland has evolved into graceful homesteads for those commuting to nearby Manchester and other cities; notably, Nashua, Boston and even Concord. With an 80/20 residential-to-business ratio, Bedford's real estate profile doesn't automatically evoke a booming business town. However, commerce in Bedford is growing featuring the Bedford Village Inn and Restaurant, one of the top Bed and Breakfasts in New Hampshire as well as one of the finest restaurants, C.R. Sparks.

Business activity in Bedford is focused along Route 3, otherwise known as "the performance zone." Premium office parks and shopping centers such as the Bedford Mall along with Macy's department store, the Wayfarer Inn and the Country Club line this road, which runs south from Manchester into Merrimack and Nashua. Bedford's other commercial clusters are along Route 101, which extends westward.

With a reputation for a first-rate school system, Bedford has turned its focus toward town recreational facilities featuring a 70-acre park with several ballfields, ski trails, fishing and ice skating.

Visit the Virtual Homes virtual community web site at www.bedfordnhvirtualhomes.com.

Bedford, NH 1st Ever Trail Run!

Thu, 09 Oct 2008 18:47:47 -0500

This October 19^th serious runners will hit the trail for Bedford's first ever 5-K trail race. Beginning 1pm this October 19^th at The Educational Farm on Joppa Hill Rd. The race will take place rain or shine. The trail will be difficult, consisting of hills, open areas, and muddy wet spots, so runners be ready for a challenge. Registration fee is $20 in advance and $25 at the gate. For more info go to www.3CraceProductions.com