General Liability Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Electrician insurance is a specialized form of commercial insurance that’s uniquely designed to meet the needs electricians. Policies are usually written as package policies that combine multiple coverage’s together, and electricians often can adjust their policy’s exact coverage’s to suit their particular situation.

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Premise and Operations coverage
Products and Completed Operations coverage
Personal Injury

What is General Liability Insurance?

Many businesses in Massachusetts are exposed to a variety of risks. General Liability insurance helps businesses shield themselves from some of the most common risks they face.

General Liability insurance policies are foundational to many business’ insurance portfolios. While a single General Liability policy may not offer all of the protections that a business needs, the protections a policy does provide are often indispensable.

What are Occurrence Basis Forms Compared to Claims Basis Forms?

Occurrence Basis forms, protect a commercial business for its responsibility for Property Damage or Bodily Injury to others that happen within the policy effective period. A claim may be filed at a later date, but so long as the loss occurred within the policy effective period it may be covered.

Claims Basis forms, will only cover losses that are reported within the effective policy dates.

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

What Type of Coverage are Provided in a General Liability Policy?

There are three coverage protection types that are covered under the General Liability policy; Coverage A, B and C.

Coverage A, provides protection for Premise and Operations liability, as well as Products and Completed Operations liability.

Premise and Operations coverage, provided protections for injury or property damage resulting from the ownership of premises or business activities on or off the premises. For example, a visitor may slip on ice on the front steps of a premises. If they are injured and take legal action against the business owner, the policy would provide protection.
Products and Completed Operations coverage, provides coverage to manufacturers for Property Damage or Bodily Injury to others resulting from the consumption or use of a product manufactured by the business. An example would be a faulty crib created by the manufacturer that caused Bodily Injury to a child. Regardless if the product was being used properly or not, the policy would cover a claim reported by the injured child’s family.

Coverage B, provides protection to a business owner against personal injury and advertising injury.

Personal Injury, will provide coverage for a libel or slander claim fled against a business owner.
Advertising Injury, will cover damages resulting form copyright infringement, or oral or written defamations committed while advertising a business goods, services or products.

Coverage C, provides medical payments for reasonable expenses of others incurred on the insured premises.

Are Employee Injuries Covered By General Liability Policies?

General liability policies do not include coverage for injured employees. A policy’s Bodily Injury coverage may protect against injuries sustained by third parties, but on-the-job injuries sustained by employees fall under the protections of Workers Compensation insurance.

Employers are legally responsible to carry Workers compensation coverage for their employees. Our experienced Commercial Lines agents can help business owners find a comprehensive General Liability policy along with a Workers Compensation policy.

What Businesses in Massachusetts Need General Liability Coverage?

General Liability coverage is a protection that all Massachusetts businesses should carry since its protections are so foundational. Many different businesses, from sole proprietorships with low inherent risk, to large corporations operating in high-risk industries, can all benefit from the protections that this General Liability coverage provides.

Should Professionals Have General Liability Policies?

Professionals in private practice are another example of a business that would benefit from getting a General Liability policy. A General Liability policy may not cover work mistakes like malpractice, but a General Liability policy often will help protect against common accidents that can occur around the office such as slip and falls, or protection against libel suits. Such protections are not offered on Professional Liability policies.

How Can Businesses in Massachusetts Get General Liability Insurance?

Even though it’s a basic form of insurance, securing a General Liability isn’t a simple process. General Liability protection are available as stand-alone policies, but are often package in a Business Owners Policy (BOP) or Commercial Package Policy (CPP). Our knowledgeable agents have experience helping businesses find the best General Liability policies to match your General Liability needs, as well as compare rates from several of our trusted carriers!

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.