Affordable General Liability Insurance in NH
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NH General Liability Insurance Quote Form:
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Why Choose Davis & Towle For Your NH General Liability Needs?
We make it easy to find out how much gl insurance will cost your business. Since 1954 we’ve been working with NH business owners throughout to evaluate the best liability insurance coverage in NH based on their exposure and budget.
NH Liability Insurance for Every Type of Business
If you need a cheap general liability policy in New Hampshire, we’re here for you. If you want a liability insurance policy in Concord NH with all the bells & whistles, we have that too!
What Does General Liability Insurance Cover?
See the formal definition for liability insurance, on th International Risk Management Institute
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
This part of your gl insurance 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.
General liability coverage is design to protect your business against claims that arise when those accidents and oversights turn into lawsuits.
Talk to us today to discover great coverage, service and rates on general liability insurance in Concord, Hooksett, Manchester, Bedford, Pembroke, Loudon, Goffstown, and all of New Hampshire
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