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Small Business Liability Coverage

Your small business needs insurance. Whether or not you are legally required to carry certain types of liability coverage by the state or municipality where you do business, your company needs to be protected from potential lawsuits and other damages. As a small, privately owned business, Rich Insurance Agency understands the challenges you face. As an insurance agency, we can help to protect your company so you can focus on doing business.

General Liability

General liability coverage helps to protect companies of every size manage the risks that come with day-to-day business activities. You can get a standalone policy or combine it with commercial property coverage into a business owners policy (BOP).

Specialized Liability Coverage

As a locally owned insurance company, Rich Insurance offers a variety of custom, specialized liability policies to businesses in the Upper Valley and throughout both New Hampshire and Vermont. While we provide insurance policies for professionals in many different industries, we focus on serving contractors and IT professionals.

Liability for Building and General Contractors

Due to the nature of their business, contractors require special types of liability coverage. This coverage includes protection in case a contractor is held responsible for damage to a customer's property as well as liability coverage for on-the-job injuries. Rich Insurance Agency provides specialized liability policies for

  • Construction
  • Carpentry
  • Plumbing
  • Heating and cooling
  • Electrical wiring and maintenance
  • Landscaping and lawn care
  • General contracting
  • Snow removal
  • Professional cleaners
  • Other types of contract work

Liability for IT Professionals

The rapidly expanding and constantly changing field of information technology has led to an increased need for liability insurance tailored to suit those who work with technology. Programmers, web designers, systems managers, IT consultants and network engineers are skilled professionals who provide sensitive services to a broad range of clients. Our agents understand the unique risks faced by IT professionals, and we offer customized business insurance policies to protect you against

  • The risk of copyright infringement
  • A discrepancy between your services and client expectations
  • Third-party liability claims
  • Data loss
  • Loss due to damage or theft of company-owned equipment
  • Other risks unique to IT professions

Take the time to make sure you have the right insurance to protect your business today. Call us to learn about available coverage or to review an existing policy. We look forward to helping you protect your livelihood.

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