Mallard Insurance is an independent insurance agency located in Nashua, NH, writing protective policies for individuals and businesses across New Hampshire and Massachusetts, Maine, and Vermont. The advantages of being independent allow us to focus on minimizing your risks and shielding your most significant assets by customizing protective policies to your needs.
Because we represent multiple insurance companies, we have access to a variety of coverage options to bring you the best value when it comes to price, policy, and service. We take pride in putting your needs first while serving you with honesty and integrity and go the extra mile to find the right coverage to ensure your peace of mind. Because protecting what matters most to you is what we’re here for. Read more about us!
Wait, Explain the Name
Many people have asked us this question. The name “Mallard” pays tribute to an individual near and dear to owner Michael Bernier’s heart, his father, Donald J. “Duck” Bernier (1930-1998). Our agency embraces the great attributes and values that Donald “Duck” Bernier has displayed throughout his lifetime.
“I moved from an online insurance agent a few years ago to Mike at Mallard Insurance. He saved me money, where I did not think he could and has always been super responsive to questions, changes, or anything—a great company to work with.”Bob LangloisPersonal Insurance Client
“Best insurance service I have ever worked with, very flexible and responsive. Mike goes the extra mile to guide you with options and coverage. My first-hand experience has been smooth and easy.”Gaurav MishraPersonal Insurance Client
Real clients. Real reviews. Real coverage.
“Mike is a total rockstar. He was able to save my family a ton on insurance and provides an experience like no other. I’ve recommended him to several friends and family.”
– Adam Provost
Our Clients Rave About Us
Check out our reviews and see why you should switch to Mallard Insurance.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
What Makes Mallard Insurance Special
Here’s what sets us apart when it comes to serving your insurance needs.
We give back to our community and get involved with the charities we support.
Clients Come First
We go the extra mile to exceed your expectations, no matter what you need.
With extensive experience, we understand what it takes to bring you quality coverage.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.