Utility Menu Agent Login Customer Login Contact Us Main navigation About Products Claims Resources Find an Agent BACK TO PRODUCTS LIABILITY COVERAGE Defense against claims due to bodily injury, including product liability, property damage and personal injury. WHY DO I NEED THIS COVERAGE? Our liability insurance protects your business in the event of a claim due to bodily injury, including: product liability damage to property personal injury WHAT'S COVERED? If you face a claim due to bodily injury, we will: Defend your interests Pays any legal fees and settlements incurred, as much as $2,000,000 per occurrence NOTE: Attorney's fees are paid over and above your limit of liability and do not reduce the coverage available to pay a settlement. Please note that the information provided above is for informational purposes only and is not a legal contract. Please read your policy carefully for complete descriptions, details and limitations of the coverages provided. CONSULT WITH AN AGENT FOR A CUSTOM QUOTE Work with one of our local independent agents to get a personalized quote based on your needs. Enter City or ZIP Code The Andover Companies is comprised of Merrimack Mutual Fire Insurance Company, Cambridge Mutual Fire Insurance Company, and Bay State Insurance Company based in Andover, Massachusetts. Footer Main Menu About Claims Find an Agent Products Resources Footer Utility Agent Login Customer Login Contact Us © 2021 Andover Companies MA General Laws Disclosure Login NY Protocol for Victims of Domestic Abuse Policy Privacy Policy Terms of Use Reviews