Multiple Company Options
Protection against price increases
Local service -
No call center
General Liability Insurance
A customer slips in your store. A crew member damages a client's floor. A competitor claims your ad copied theirs. General liability insurance pays for legal defense, settlements and judgments when your business is blamed for injuring someone or damaging their property.
Many landlords, general contractors and customers won't work with you without it. Nothum Insurance compares general liability coverage from multiple carriers to find the right limits at a competitive price for your business.
Certificates of Insurance, Same Business Day
Need a certificate of insurance or an additional insured endorsement to start a job or sign a lease? We turn certificate requests around the same business day, so you're never waiting on paperwork to get to work.
We'll also review the insurance requirements in your contracts before you sign, so you know your policy actually meets them.
What Does General Liability Cover?
A commercial general liability policy can cover:
• Bodily injury to customers, vendors and the public
• Property damage to someone else's property
• Personal and advertising injury, including libel, slander and copyright claims from your advertising
• Products and completed operations claims that arise after your work is finished or your product is sold
• Medical payments for minor injuries, regardless of fault
• Legal defense costs, even if the claim is groundless
What General Liability Doesn't Cover
General liability is the foundation of a business insurance program, but it doesn't cover everything:
• Injuries to your own employees (covered by workers' compensation)
• Vehicles your business owns or uses (covered by commercial auto)
• Professional mistakes and advice (covered by professional liability or E&O)
• Damage to your own building and equipment (covered by property insurance)
Many small businesses can combine general liability and property coverage in a Business Owners Policy (BOP), often for less than buying them separately. We'll help you fill the gaps so nothing falls through.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves business owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
From contractors and landscapers to retail shops and professional offices, we help local businesses get the liability protection their customers and contracts require.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020