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Also known as business liability insurance or commercial general liability insurance, general liability business insurance is the most basic form of coverage that a business needs. It is the insurance policy that covers your business against all types of accidents. These could include cases where a customer gets hurt when they’re in your workshop or if you drop a piece of heavy equipment and make a hole in a customer’s floor, or in the floor of a space you rent for your business. These are accidents that can break the bank for most entrepreneurs and general liability insurance coverage is the safety net that allows you to focus on doing great work and growing your business.
Someone trips over your tools and breaks their leg.
Someone sues you for improper use of images in your advertising.
An employee bad-mouths a client on Facebook and the client sues you.
You drop heavy duty equipment inside your client's house and damage their hardwood floor.
Someone gets injured at your work site and asks you to pay for medical expenses instead of suing you.
You need an attorney to defend against a lawsuit even though you did nothing wrong.