When deciding if you need General Liability Insurance, it really helps to know and understand what it covers, why most business owners need it, and the circumstances that need to exist when they are covered!
If you own and run a business by yourself that only sells merchandise online, then more likely than not you will not need General Liability Coverage. But if you own a brick and mortar store that might have a broken jar of jam spewed across the floor for someone to trip over, you probably will need General Liability Insurance!
If you have a business where you have to hold on to a client’s property, such as a car or computer equipment—General Liability would cover you in the event of a fire, storm damage, or theft of their property. Any of these events can occur at any time, so it is best to be prepared and identify if your business is in need of General Liability Insurance!
Never assume that you won’t find yourself in the middle of an accident in your place of business, talk to your insurance provider to see what options you have!