Goddard Insurance offers competitive rates on auto, home, watercraft, life, and other personal insurance. Our goal is to give you the coverage that will protect you and your family from unforeseen circumstances. S. B. Goddard & Son uses select insurance carriers including The Andover Companies, One Beacon, Quincy Mutual and Travelers. We offer all types of homeowners coverage including high value homes and special coverage for personal property such as jewelry, fine arts and collectible.We all know that accidents happen, but don't let tragedy strike by not having the correct coverage on your automobile. Goddard Insurance offers very competitive rates on auto insurance and offers discounts for insuring more than one auto or having a combined auto/home policy with Goddard.Most people assume their auto and/or home insurance policy would cover them if something bad were to occur, but that isn't always the case.An umbrella policy is so named because it basically sits above your auto and home insurance policies and offers added protection if your auto and/or home liability insurance coverage isn't enough. Looking for insurance for your business? Goddard offers insurance policies covering your business property, automobile, workers compensation, general liability, and errors & omissions.Commercial General Liability Insurance General liability insurance covers injuries that you cause to third parties.Worker's compensation insurance provides wage replacement coverage for an employee who is injured on the job, as well as coverage for medical costs, economic losses, pain and suffering, and settlement payments for dependents in the case of accidental loss of life.Many businesses have company vehicles that are used to transport goods or people for business purposes throughout the course of the day. Similar to personal auto insurance, you'll want to purchase commercial vehicle insurance to cover damage to your vehicle and the other motorists' vehicles if you are involved in an accident.Similar to property insurance you purchase for your personal home or car, you need commercial property insurance to protect the financial interests of your company. This coverage protects both the physical property as well as any possessions owned by the company that are lost or damaged by theft, accident or other means (even if the property has been removed from the work place).Umbrella liability insurance provides additional coverage when the limits of insurance on an underlying policy are exceeded.