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Why do I need business insurance?

Business insurance protects you in the event of property damage, liability claims and worker injury on the job. In addition to protecting you, most clients won’t let you start a job without proof of insurance for their own peace of mind.

 

The term business insurance encompasses the many different types of insurance available to protect businesses, business owners, and employees of businesses. Some types of business insurance (such as liability insurance) are required by law, while some are options to protect you and your business.

What does business insurance cover?

You need business insurance to cover the costs of property damage and liability claims. Without business insurance, you might have to pay out-of-pocket for costly damages and legal claims against you and your company. Accidents happen and anyone can make a mistake.

 

Without business insurance, something that happens in the blink of the eye could cost you a lot and cause months of headaches, dealing with claims or lawsuits. And accident might not even be your fault, but it could still be your responsibility.

 

For example, you’re hammering away. The hammer slips and falls onto the floor, it smashes two designer Italian marble tiles. One little slip up could cost thousands to remedy. Business insurance ensures that you don’t suffer from it.

Required insurance

In many places it is also the law to carry at least liability insurance and workers’ comp (if you have employees). You’re responsible for your employees when they’re on the job.

 

Let’s say your new guy has a lot of potential, but a lot to learn. He forgets his protective eyewear when he starts drilling and gets a shard of metal shot straight into his eye. Workers’ comp ensures that he won’t foot the medical bill, but he also won’t be able to hold you accountable for his injury and sue.

 

Most clients will not hire you or let you start a job without providing proof of insurance.  Nothing is worse than having a great contract lined up and waiting days for proof of insurance only to find out that the job was given to someone else who got it together faster. Having an insurance policy queued up and ready to activate can be the difference between getting a contract and not.

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