General Liability Insurance

NEW HAMPSHIRE | (603) 225-6611

Experience NH Liability Insurance With Davis & Towle

Lawsuits are filed at the drop of a hat these days, and no business is exempt — no matter what your company does or how large or small it may be. That’s why it is essential for every business to have a good general liability policy in place. A solid New Hampshire general liability insurance policy will come through for you when those unfortunate accidents turn into big lawsuits.

A general liability insurance policy will usually cover the costs of your legal defense and will pay for damages caused to a third party, as a result of your business operations. If you are found liable for such damages, your policy will cover the cost, up to the limits of your policy.

A Typical General Liability Policy Includes...

Bodily Injury and Property Damage Liability

Bodily injury and property damage coverage protects you against losses from bodily injury or property damage to others for which you are legally liable. The loss must arise out of the business’ insured premises or operations.

EXAMPLES:

A) While visiting your business, a customer trips on loose flooring and is injured.

B) An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.

Personal and Advertising Injury

Personal and advertising injury liability protects your business against claims brought against you for the following offenses:

  • Slander
  • The use of others advertising ideas without their consent
  • Copyright Infringement
  • Malicious Prosecution
  • False Arrest
  • Wrongful Entry / Invasion of Privacy
EXAMPLES:

A) While visiting your business, a customer trips on loose flooring and is injured.

B) An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.

Medical Payments

Medical coverage provides limited payments for injuries sustained by a third party, when they occur on business premises or due to your business operations. This line of coverage is unique in that it can be triggered without legal action, in order to quickly and efficiently settle smaller medical claims without litigation.

EXAMPLE:

A shopper in your antique store falls into a mirror - breaking it and cutting their arm. They require a trip to the emergency room and ten stitches. You simply file a claim within the limited medical pay coverage limits, and the insurer would pay the damages without any party having to deal with the question of liability.

 

Quote My Coverage

 

X