Liability Insurance

Are you a contractor in Massachusetts that needs a certificate for Commercial General Liability Insurance? Maybe you're the owner of a surveying and engineering company and you need professional liability insurance. We know the difference between these policies and why each is important to you and your business.

For more than "37" years J.M. Doherty Insurance has been providing quality advice to business owners and professionals in our area. We invite you to visit our testimonials page. There you will read our own customers telling you about their experiences at Doherty Insurance.  www.jmdins.com 

Commercial General Liability is your traditional "slip and fall" insurance.  For any business owner this is the foundation of your insurance program. If you combine some business property (tools, computer) with the "CGL" you can "package the coverage and get better coverage and save money. It's often less money to buy some property insurance along with the liability insurance and have a lower overall cost. Don't short change your coverage for a few dollars in premium. 

Professional Liability Insurance deals with a persons advice or professional opinion. You want to be sure that if you're installing a new septic tank in the ground, it's going in the right place. The last thing you want to find out is that you've put the tank in the wrong location. Who decides that? A licensed surveyor and engineer. These are the professionals.  What if they provide incorrect data?  What if they put the flags in the ground incorrectly?  These types of professions require Errors and Omitions insurance. Lawyers, accountants, your doctor. They all have Professional Liability Insurance.

If you own a home and have home owners insurance then your Massachusetts Home Owners Insurance policy automatically includes $100K for "liability".
Personal liability insurance deals with things like liable and slander, invasion of privacy, things like that. You need to add personal liability to some home owners insurance policies. (for a minimal fee) It's not automatically included. 

When can this be important? Lets say you're vacationing at some resort away from home. You open the door to the changing room at the Spa and there's an innocent person still changing behind the door. You see them NAKED...AHHH!!! Is that invasion of privacy? Can you get sued for that? I guess anything can happen.

Before it does, please contact J.M. Doherty Insurance. We don't want to see anyone get caught with their pants down!!

Thank you!!