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Ham Insurance Agency


A local family business going back generations, The Ham Insurance Agency has a rich tradition of serving Maine and New Hampshire residents. Originally founded by Cliff Ham in 1961, the agency provides insurance solutions and has a long history of supporting and giving back to the community.

Who We Are

Some Things You Should Know About Us

Ham provides Property and Casualty Insurance helping to protect your business,
home and car - or any property you own.

With strategic partnerships with most major carriers, we can tailor a plan to meet your needs.


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Whether you are the person who has a safe driving record for over 20 years or the distracted teenager with a fender bender at the local shopping mall, we can help! We deliver insurance solutions for Individuals or create family plans that meet your needs for most vehicles and operators. Ham insurance policies can cover property damage, liability and medical coverage.
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For most people the home is the place where you relax at the end of the day, spend time with the family, and plan the future. A home can be one of the biggest financial investments you will ever make. Work with us to insure your home assets and protect from liability for accidents on your property.
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Looking for a little extra protection? An umbrella policy provides additional liability protection above your home and auto insurance coverage. An umbrella policy goes into effect after the liability insurance in your homeowner and auto policy is exhausted. You can get an additional $1 million additional coverage under an umbrella policy for as little as $ 200/year.
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We work with family-owned businesses, start ups and large corporations, Ham Insurance can help protect your people, property, and reputation no matter your size or industry. With flexible options from minimum coverage to comprehensive protection, Ham makes it easy to get customized business insurance to for every stage of your business's development.

"Your customer doesn’t care how much you know until they know how much you care."

Damon Richards

Core Approach and Values


Listen First


Principled Ethics


Personal Integrity


Thoughtful Approach

"A little integrity is better than any career."

Ralph Waldo Emerson

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Tony Lemmo profile in modal box
Tony Lemmo
Offering independent guidance of Commercial and Personal Insurance with a focus on
“Doing It Right”. Over 10 years’ experience in Property & Casualty Insurance, Life Insurance and Supplemental Benefits. Local resident familiar with the area, lived in South Berwick for 10 years and now living in North Berwick. Greater Somersworth Chamber of Commerce Board Member of the Year 2013, Chief Ignitor of Berwick’s Community Initiative Networking Group and Shop Local Campaign.

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Karen Stevens
Senior Personal Lines Account Manager
I am Karen Stevens, Senior Personal Lines Account Manager I have been at this agency for 39 years. I started working for my dad, who originally owned the agency when I first started in the industry, when my dad retired my brother and I bought the agency and owned it until 2009 when we sold it to a bigger agency owned by the banking industry in January 2009 and they then sold it to Jon & Lucas Sevigney in April of 2014. It is great to be working for a family run agency again.
I have lived in South Berwick all of my life,it is a great community.