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General Liability Insurance

Purchasing Liability insurance is at the top of the to-do list for any new company, and for those in business for a while, regardless of the size of your operation, reviewing your coverage is prudent to ensure your assets are adequately protected. This is particularly critical in today’s litigious environment and the era of mega settlements and jury awards.

Whether you’re a start-up or a large global corporation, take the time to have experienced and knowledgeable insurance professionals assess your General Liability insurance to uncover any gaps. Daniels Insurance Agency, with 85 years of insuring businesses throughout New Mexico, is ready to go over your operations, review your coverage and let you know where improvements can be made.

Liability insurance protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award in the event you are found liable. The policy can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.


What Issues Impact Your General Liability Insurance?

There are several important issues to look at when assessing the effectiveness of your General Liability coverage, depending on your business type, the scope of your operations, and your location. Some of the questions our staff will ask you include:

  • What are the types of exposures your operation faces? What is your risk tolerance? This will help determine how much coverage you need and whether you should purchase a Commercial Umbrella policy to provide coverage beyond your primary limits.
  • Do your General Liability limits cover newly acquired or formed acquisitions in the event of a loss?
  • Do you have products and completed operations exposures, and are these covered under your General Liability policy if there is a claim of bodily injury or property damage stemming from a product that fails to perform?
  • Have your contracts been adequately reviewed for potential liability exposures?
  • What type of pollution liability exposures exists, and are you covered under your Liability policy? Or do you need an additional policy?

General Liability insurance can be purchased on its own or included as part of a Business Owner’s Policy (BOP), which bundles liability and property insurance into one policy, or a Commercial Package Policy (CPP). Again, this will depend on the type and size of your business and the extent of your exposure. We will help determine the best solution for your company.

We will also assess liability risks outside the scope of a General Liability policy including cyber threats, employment practices issues, directors and officers exposures, and fiduciary liability.

Daniels Insurance Agency: Your Trusted Risk Advisor

Founded in 1937, Daniels Insurance Agency has three locations throughout New Mexico and is licensed in every state to serve not only our local region but also clients with a national footprint. As an Assurex Global partner, we are among the world’s most prominent independent agents and brokers. We’re also a member of the Independent Agents & Brokers of America, a national alliance of business owners and their employees who offer a wide range of insurance and financial services products.

Our staff of 42 employees throughout our three locations is ready to provide you with the white-glove service you should expect from your insurance consultant. In fact, you’ll always reach someone at Daniels Insurance Agency. You can depend on that.

Give us a call at 800-530 8885 to find out how we can work together.