You’ve worked hard to build the assets of your business. However, the largest risk to them is often not fire, lightning, or wind as we often think. The largest threat to your business is usually from liability associated with business operations. Liability Insurance comes in many forms, but in the end they protect your business should it be found liable for hurting someone or something. You know your business better than anyone and understand the risks associated with it. Reference the material below to see which liability coverage(s) are applicable to you.
What it Entails
General Liability Insurance
The only way to effectively protect the assets of your business is to carry adequate Commercial General Liability insurance. This coverage protects your business should it be found responsible from bodily injury (hurting someone) or property damage (hurting something).
Professional Liability Insurance
Professional Liability insurance provides coverage for errors and omissions in professional services. Professional services are often excluded from general liability policies since those risks are more appropriately covered under an industry-specific professional liability insurance policy. Professionals who should consider this coverage are doctors, physicians, dentists, architects, engineers, accountants, lawyers, insurance agents, real estate agents, bankers, and other professional services.
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Who Needs Independent Contractor Insurance?
There are numerous industries in which freelancers perform work regularly. Some of the most common types of independent contractors include:
- Construction Workers
- Home Services; such as electricians, plumbers, painters, cleaners and general handymen
- Interior Designers
- Landscapers
- Mobile Mechanics
- Pet Groomers
- Independent Hair Stylists
- Virtual Assistants
- Web Developers
- Freelance Writers and Graphic Designers
- Caterers
- Accountants
- Financial Advisors
- Real Estate Agents
- Legal Professionals
- Consultants
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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!
