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Protect Your Business with General Liability Insurance in New Mexico

In case your company’s actions lead to the partial or complete loss of data for another person or company, then you will receive coverage of up to $25,000 to pay for the damages.

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Unexpected Events Happen More Often Than You Realize

According to an analysis by The Hartford, one of our partners, 4 out of 10 small businesses will likely face a property or general liability claim in the next decade. The costs vary, but repetitional harm claims are the most expensive, with an average of $50,000.


These costs will cripple any small business in New Mexico and harm the livelihood of thousands of workers. In fact, small businesses employ 54.2% of employees in the state.


With several livelihoods depending on your business, take every measure to safeguard it against lawsuits and expensive medical bills. Contact our New Mexico agents today, and let’s discuss general commercial liability insurance for your business.

General Liability Insurance in New Mexico

In New Mexico, general liability insurance is a coverage plan that safeguards your business against the cost of claims from:


Legal claims and lawyer’s fees (lawsuits including misleading advertisements and copyright infringement)

Medical bills (bodily injuries to a customer, vendor, or passerby)

Damage to a third-party property (including electronic data and rental property)


It’s not mandatory for small businesses in New Mexico to get general liability insurance. However, all businesses benefit from a coverage plan because accidents and other unforeseen events could happen at any time. More often than not, filing a commercial liability insurance claim is a matter of “when,” not if. 

General liability insurance:


  • Pays for medical expenses if someone other than you or your employee sustains injuries because of your business operations or on your business property
  • Pays for legal costs in case an individual files a lawsuit against your company
  • Pays for repairs and replacements in case you or your employees damage someone’s property while performing business-related tasks
  • Pays for electronic damage in case your company’s actions lead to partial or complete data loss for another individual or company




Levels of General Liability Insurance

General liability insurance coverage plans range from basic to premium, depending on the level of risk that your company faces. Some businesses in New Mexico, after all, face a greater risk of causing damage and harm than other companies. 


For instance, commercial cleaning services have a higher risk of causing damage to third-party properties compared to an accounting firm. A multinational, food and beverage brand also has a higher potential of causing harm to its customers compared to a small company that sells garments.

Get the Coverage You Need with ERM

Work with ERM to find the best general liability insurance coverage for your business in New Mexico.

Get a Plan Suited to Your Business

Our team evaluates your business closely to identify the risks unique to you. We study your operations, industry, customer base, workforce, and more. You can relax knowing that most risks are covered.

Avoid Overpaying 

Your coverage plan will protect your business adequately, with no unnecessary costs. To protect your bottom line, we see to it that you won’t needlessly overpay. 

Partner with Experts

ERM delivers services honed by 10 years of experience in commercial insurance in New Mexico. Our team also stays on top of changes and trends in the industry to provide you with the best coverage solutions.

Choose a Partner with Integrity

You have an insurance partner that focuses on your needs. ERM operates with integrity and gives you the information you need to make smart business decisions. 

Get a Quote in Minutes

With extensive experience in general liability insurance in New Mexico, ERM will provide you a quote in as fast as 15 minutes.

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An Abundance of Solutions to Choose From

ERM partners with diverse providers to meet the needs of our clients in every industry. Whatever coverage you need, you’ll find it with ERM.

See Our Partners

Over 180+ commercial clients covered

100% customer satisfaction guaranteed

Over 10 years of commercial insurance experience

Make Your Business Disaster-Proof Today

Get a free, personalized estimate today. If you prefer to talk to an ERM agent, call us at 505-933-6511.

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Our Testimonials

Hear from our clients

“Dax Kastrin has been great for our company. I have been totally impressed with his ability to take initiative to find ways to keep my premiums low but also provide coverage that I need to protect our company. So many things change in our world, and Dax is out there staying educated and on top of the insurance realm to provide me with the best coverage possible. He has always treated our company as he would his own. Dax, I appreciate all your help; you have always been prompt and professional. We are your loyal client, as you know."

Rebecca Montoya

CFO | Southwest Collision Craftsmen, Inc.

“Dax Kastrin and his team at Elemental Risk Management are, simply put, the best insurance team in New Mexico. They are professional, polite, always prompt, and deeply knowledgeable about the broad spectrum of insurance products necessary to protect your business and livelihood. Dax also SAVED US A TON OF MONEY in our insurance products, and increased our coverages! If you have the chance to work with Dax and Elemental Risk Management, DO IT. You will never regret the decision."

Marc Powell

Director / New Mexico Independent Auto Dealers Association

“Elemental Risk Management has provided our company significant insurance cost savings for our commercial and industrial properties, as well as responsive service, insight, and analysis. During the past 30+ years of owning and managing industrial office and retail properties our insurance program with Elemental Risk Management stands above all others. During a difficult economy and in a competitive industry such as commercial insurance, ERM has done a great job for us!"


Veronica K. Callaghan

Vice President | Kasco Ventures, Inc

FAQs about General Liability Insurance in New Mexico


  • Will general liability insurance cover the financial losses from theft and burglary?

    No, it will not. General liability insurance pays for medical bills or damage to property of a third party, or individuals or companies that have a claim against you.

  • Does the general liability insurance plan cover professional mistakes?

    No, it doesn’t. General liability insurance pays for claims against you for bodily injuries or damage to property. Claims arising from professional mistakes or neglect require a different coverage.

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Our general liability insurance plans provide coverage from all the claims that could be made against your business in the future. You can check and compare our general liability coverage plans to make your business disaster-proof today. 


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