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As a business owner, every transaction you complete can result in either a profit, or risks.
Protecting your business from the impact of potential customer lawsuits should be the first priority. And while only a precisely crafted liability insurance policy can shield your business from this expense and stress, it’s usually the last thing business owners take care of!
Liability insurance covers the costs of legal fees, including court costs and the resulting award, if any is made. Imagine the peace of mind you’d have being free from worry about the attorney costs as the liability case grinds on—and if you’ve got something to take, the plaintiff’s attorneys will often make sure it does.
Liability insurance is appropriate for any business that could face potential lawsuits. There are four distinct types that you may need, depending on your business, and your tolerance for risk of financial loss:
There are other risk that may be covered, including:
General liability insurance is not designed to protect you from everything, to help keep costs down. For example, general liability does not cover you against claims of negligence, even if it isn’t you or your business’ fault. This is because not every business needs that variety of protection, so to make it part of the policy would over insure lots of businesses, and make the coverage needlessly expensive.
You should consider general liability insurance coverage, if either you or your employees:
Our firm specializes in covering professional services, and local businesses like yours. We have everything you need right here, including: