Small Business Liability Insurance - Roth Law Group

Business Liability Insurance

Almost all people who own a home have homeowner's insurance in order to protect against accidents which may occur on their property. However, for individuals who work out of their home, special considerations must be made. Homeowners' policies most likely protect individuals who are sued by a social guest or other visitor at their home for a non-business purpose. On the other hand, most homeowner's policies do not cover injuries to a business associate, employee, customer, or delivery person who is hurt at the home. In order to protect yourself against these risks, you may need a rider to your homeowners' policy or a commercial general liability policy. Alternatively, some insurance providers have developed policies that simultaneously insure a home and a business run from the home.

In addition, some business people who work from their home but also frequently travel on business may need a rider or special policy to cover the risk that they may accidentally injure someone or damage their property while away from home. Finally, certain types of businesses, whether based at home or not, may need special kinds of insurance. For instance, professional service providers usually need professional liability insurance. On the other hand, manufacturers and distributors may need products liability insurance. And of course, businesses with employees need to provide workers' compensation coverage.

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