General Liability Insurance
In The Lakes Region
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NEEDING GENERAL LIABILITY INSURANCE IS LIKE NEEDING A PARACHUTE;
If it isn’t there the first time you need it, there’s a good chance you won’t be needing it again.
While bleak, this analogy accurately illustrates the importance of general liability insurance. You see, unless you are a large corporation that can weather a major financial hit, small businesses are often one uncovered liability claim away from extinction.
We keep an eye out for those small oversights that could lead to a crushing liability claim, and prepare your business to prevail with tailored coverage limits.
GET TO KNOW YOUR NH COMMERCIAL GENERAL LIABILITY (CGL)
CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.
A typical CGL policy provides coverage for claims of bodily injury or other physical injury, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations, and can be offered as a package policy with other coverages such as property, crime, automobile and more. As a safeguard against liability, CGL enables you to continue your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing. CGL policies also provide coverage for the cost to defend and settle claims.
Coverage Breakdown - Detailed
Automatic additional insured: Coverage is provided for written contracts, agreements and permits.
Personal and advertising injury: Protects against offenses made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements.
Defense costs: Provides coverage for legal expenses for liability claims brought against your business, regardless of who is at fault.
Medical expenses: Provides coverage for medical
expenses if someone is injured on your premises or by your products.
Premises and operations liability: Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.
Products liability: Provides coverage for bodily injury and property damage sustained by others as a result of your products.
Disclaimer: This content is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for
coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2008, 2011, 2013, 2016 Zywave, Inc. All rights reserved.