If you have visitors to your office or you go to clients' sites, you need general liability insurance.
It covers claims made against your business if a person's injured or their property's damaged.
Imagine someone tripping over a computer cable in your office, for example. Or your hot coffee spilt on a client's new laptop.
Accidents happen, of course, but what if you're at fault? You'll have to pay, is what.
Settlements can reach six figures and the legal costs of a claim, let alone compensation payments, can be enough to put you out of business.
General liability insurance covers the legal cost of defending you, and pays compensation or awards to fix what's wrong. It means your business doesn't slip up, even if someone else does.
Who is general liability insurance for?
You should consider general liability insurance if you or your employees:
- Visit a client's place of work, or clients visit yours
- Have access to a client's equipment (e.g. a server)
- Use third-party locations for any business related activities
Why do you need general liability insurance?
- Claims are ruinously expensive
- To protect your business, and your reputation
- It looks professional