General Liability Insurance In New Mexico For Small Businesses
Everyday Protection Against Costly Claims
General liability insurance in New Mexico helps when customers slip at your shop, a crew damages a client’s property, or a marketing dispute turns into a claim. Anchondo’s Insurance sets limits that meet lease terms on Broadway in Hobbs, vendor requests in Lovington, and contract language for jobs in Jal and Eunice. Our bilingual team explains coverage details and defense costs so you know what is included before you sign.
What General Liability Typically Covers
Policies address third party bodily injury, third party property damage, and personal or advertising injury. Legal defense is included, even if a claim is groundless. This policy does not insure your tools, building, or company vehicles, which are handled by other coverages. Many small firms choose one million per occurrence and two million aggregate, and we can add an umbrella if contracts demand higher limits.
Who Needs It And How We Tailor It
Contractors, retailers, restaurants, offices, and home-based businesses benefit from general liability. We adjust limits for oilfield vendors, add additional insured wording, and provide certificates the same day. If staff use personal cars for errands, we can pair this policy with hired and non-owned auto. For Spanish-speaking owners, revisamos cláusulas y endosos en español para que no haya dudas.
General Liability Q & A
Is general liability required by law
not usually, but leases and contracts often require proof.
Does it cover employee injuries
no, that is workers compensation.
What about professional mistakes
that is professional liability which we can discuss for advisors and consultants.
How much does it cost
it depends on industry and size, and we shop multiple carriers to keep it affordable.
Can this be bundled
many businesses qualify for a package that combines property and liability.