5 Reasons Why Business Owners Need General Liability Insurance

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5 Reasons Why Business Owners Need General
Liability Insurance
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• The purpose of insurance is to protect
  individuals and business owners from costs and
  legal action that may arise as a result of
  certain liabilities, and but not everyone,
  however, believes it to be necessary.
• Here are 5 reasons why, as a business owner, you
  should have an active general liability insurance
  policy
• Clients often require you to have it
• This is the most common reason why business
  owners should ensure that they have taken out a
  general liability insurance policy, because if
  your client requires you to have one and you
  dont, theyll simply take their business
  elsewhere.

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• To protect you when clients visit your workplace
• Many businesses see their clients visiting them
  on site, and if one of them should happen to have
  an accident while they are there, or damages your
  property in some way, then this type of insurance
  will protect you against potential lawsuits
  and/or medical payments.
• Protecting your employees when they go to third
  party locations
• You may not realise it, but when you send an
  employee to a third-party location, then you and
  your business are responsible for them and any
  work that they carry out there.

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• Any work carried out off site needs to be insured
  adequately, and should they injure themselves or
  anyone else, or cause damage to property, you
  need to know that you wont be hit with expensive
  lawsuits and/or medical bills.
• To provide coverage in the event of damage to a
  clients equipment
• It is not unheard of for some businesses to take
  care or control of their clients equipment, but
  if some event such as a fire or theft occurs,
  then without general liability insurance, you
  could find yourself knee deep in claim costs. If
  you are working with a companys network, server
  or systems integration, then this type of
  coverage is essential as it protects you against
  costs incurred from damage to computer equipment
  caused by power failures or viruses.

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• Protecting you when you speak about a client and
  their business
• Words such as libel, slander, disparagement
  or infringement may be used against you when
  youre asked to write or speak about a clients
  business, but if you have an active general
  liability insurance policy, you will be better
  protected. This type of coverage is designed to
  give protection against lawsuits that may arise
  from the publication of material that slanders or
  libels another person or organisation, and can
  cover legal defence costs from those claiming
  false, malicious or misleading statements in
  advertisements, promotional flyers, brochures or
  websites.

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• So, if this still hasnt convinced you that you
  need general liability insurance, it might be
  best to speak to a business insurance
  professional, who can explain in further detail
  the benefits of this type of coverage.
• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Homeowners, Auto and small
  business insurance in miami. Our agents
  understand that you work hard every day to
  protect your car, home, business and family. WE
  are passionate about Insurance and passionate
  about serving you. If you are looking for
  homeowners or car or business liability insurance
  in miami, contact us for a quote or a
  complimentary review of your insurance policies.