We've Got You Covered...

At Home, At Work, and At Play

Why work with us?

As an insurance broker, we represent dozens of companies to ensure you receive the coverage you need at a price that’s right for you.

We offer a full range of personal and business insurance products, making buying insurance convenient. And there is no fee to work with us.

Above all, when you contact us, you’re getting in touch with us directly. No automated messages or overseas call centers.

Need help filing a claim? Want to understand your policy better? Give us a call or send us an email. We’re here for you.

Taking Care of Your Insurance Needs Since 1882

GMS offers a full range of personal insurance products including automobile, homeowners, and recreational vehicles.

Our business insurance department serves the many and varied industries in our region, with excellent markets for property, liability, worker’s compensation, and related products.

We also offer a financial services department to provide life, health, and group insurance for individuals, as well as business customers.

Offices

Lancaster, NH
149 Main Street
PO Box 271
603-788-2555

Littleton, NH
240 Dells Road
603-444-2911

Lisbon, NH
6 S. Main Street
603-838-6331

Colebrook, NH
102 Main Street
603-237-4788

The only local agency offering personal, commercial, life and health insurance.

Personal

  • Feel secure on the road.

    Auto insurance is easy to access when you are a good driver, but what about when you have that fender bender and you need assistance?

    Calling an out-of-state corporate office can be frustrating and time consuming. GMS has offices in four locations throughout northern NH to make claims easy!

    Just call, stop by, or email us with your questions or claim information and we’ll help you get back on the road in no time.

    Our premiums compare to other nationwide insurance companies, but our service and location exceed them all.

    Note: If requesting an instant quote, be sure to answer the credit question with a “Yes” in order to see multiple company rates.

  • Compare home and/or car insurance rates from several companies instantly.

    You’ve got options! Now you can instantly compare car and/or home (whether you rent or own) insurance rates from different companies.

    You can also instantly compare them across all premium levels by simply picking a level to start with. When our system returns the comparison, you can simply check out the other levels using the sliding bar near the top of the page. So simple!

    Start by choosing what type of insurance you want to compare – home, car, or both (combining home and auto gets you a discount).

    Note: Be sure to answer the credit question with a “Yes” in order to see multiple company rates.

  • A few things you need to know:

    • RVs are not covered under your homeowner’s policy

    • Your RV must be principally garaged in NH or VT

    Save with RV Insurance Discounts by:

    • Increasing your deductible which decreases your premium

    • Paying annually (most carriers add a processing fee for monthly or quarterly billing)

    • Using electronic funds transfer (EFT) to make your payment

    • Having a good credit score

    • Being a safe driver

    • Storing your RV for part of the year

Business

    • Worker’s Comp

    • Commercial Auto

    • Commercial Property

    • Commercial General Liability

    • Commercial Umbrella Liability

    • Machinery and Equipment

    • Employment Related Practices Liability

    • Directors and Officers insurance

    And more!

  • Employee Benefit Plans

    • Small Group Health Insurance

    • Group Life, Dental, Short-Term and Long-Term Disability Plans

We also offer individual disability, long-term care, and annuities.

Life & Health

  • Term

    Life insurance during certain times in everyone’s life is essential, such as buying a home, saving for college or retirement, or just protecting your family’s future.

    You can use affordable term life insurance to provide the funds needed in case the unthinkable happens to you.

    Because we are independent brokers, we do the shopping for you to find you the best rates available. You can also use term life to protect your business from the loss of a key employee or for funding a Buy/Sell agreement.

    Remember, life insurance is not for those who die, it is for those who live. You can lock in a guaranteed level premium for 10, 15, 20, or even 30 years.

    Affordable term life insurance can protect and preserve what you’ve worked hard to attain:

    • Your Home

    • College Savings

    • Retirement Savings

    • Your Family’s Future

    • Your Business

    • Universal Life

    Everyone needs to have a permanent life insurance protection and there is no better way to have that coverage than with a universal life policy.

    With a tax-deferred build-up of cash value at current interest rates, universal life gives you a flexibility that no other life contract can offer. It is the only policy that can be adjusted to meet the changes in your life.

    Let us show you the power of universal life: the policy that will be there when you need it.

    A universal life contract allows you to increase or decrease (within certain limits) your death benefit to fit the changes in your life.

  • For our New Hampshire clients, we can show you individual health options both through the Health Insurance Marketplace or directly through a carrier. 

    We can help determine if you and your family qualify for a subsidy which will offset some of the cost.  Eligibility for subsidies is based on household income and family size, and we can guide you through the application process to see if you qualify. 

    We represent all the carriers available in your area so we will make sure you can pick the one that is the right fit for you. 

    So give us a call during Open Enrollment or if you have a loss of coverage and we’ll help you in every step of the way. 

    In Lancaster, call Doug Shearer at 603-788-2555 and in Littleton, call Chris Knapp at 603-444-2911.

  • Medicare Supplement Plans

    Medicare Advantage Plans

    Both Chris and Doug have decades of experience helping our clients transition to Medicare.  As the rules and markets change each year, it can be a very confusing exercise to figure out what direction to go.  With our personalized guidance and up-to-date knowledge of Medicare options, we ensure you find the plan that best fits your needs and budget.  Let us help make it an easy process.  In Lancaster, call Doug Shearer at 603-788-2555 and in Littleton, call Chris Knapp at 603-444-2911.

    Currently we represent 8 organizations which offer 35 products in your area.  Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

  • Individual, in New Hampshire and Vermont

  • We've been with Geo M Stevens for over 20 years. They are always calm and easy to work with. When we had a claim, even though the incident causing the claim was traumatic, Jeff made the claim process easy. More recently when our policy renewed at a higher cost, Keith took it upon himself to research a better deal for us. Overall we have been very happy with Geo M Stevens Insurance and heartily recommend them.

    Annie Bartlett

  • They advocate on behalf of their customers. Good people.

    Stanley Scism

  • Chris Knapp's customer service & care is above and beyond. He has helped us each year with finding the best insurance plan option that works for us based on our needs & budget. We have had nothing but positive experiences with this local business - thank you!

    Laurie Anan