Do you visit with clients? Do they visit with you?
If the answer’s yes to either, or both, of those questions, you need self-employed general liability insurance.
Because if a customer slips and injures themselves, or you damage their property, they can sue you. And without insurance that’ll cost you. You’re looking at medical bills, legal fees, court costs and compensation too, if it’s your fault.
General liability insurance can pay the costs of a legal claim. Including your legal expenses, the cost of medical treatment and repairs or replacement of damaged property.
Add equipment cover to your general liability policy, and the tools of your trade are protected from loss or damage, too.
Do clients pay you for your services or advice?
If the answer’s yes, you need professional liability insurance (or errors and omissions as it’s also called). Without it, if a client claims you made mistake and sues you for negligence, you’ll have to cover the costs of a legal claim.
Self-employed professional liability insurance can pay the costs of a negligence suit. You’ll get an attorney to defend you, your legal fees paid and compensation due, too.
Do you have a website? Use email? Store sensitive client data?
If the answer’s yes to any of those questions, you need cyber liability insurance. Cyber-attacks are on the up. And with less money for strong cyber defenses, small businesses like yours are soft targets.
Cyber insurance protects you by giving you the support and tools to recover from an attack and stay in business. Including the recovery costs, which can be enough to put a small business out of business.
