General Liability Insurance

NEW HAMPSHIRE | (603) 225-6611

Experience NH General Liability Insurance With Davis & Towle

With lawsuits being filed at the drop of a hat, general liability insurance is key to protecting your business. For the most part, general liability policies will pay for loss or damage to a third party, that your business is responsible (or allegedly responsible) for. General liability coverage is design to protect your business against  claims that arise when those accidents and oversights turn into lawsuits.

When sound liability coverage meets budget requirements, it is truly an ally to any company. It is not just a piece of paper, but a safeguard that we have seen save businesses from financial disaster.

Our goal it to find the right policy that takes both your coverage and cost needs, into consideration...the perfect business ally.

A Typical General Liability Policy Includes...

General Liability Insurance
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.

General Liability Insurance
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.

General Liability Insurance
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.

 

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