Self-employed Liability Insurance - Protecting Yourself And Your Business Against Lawsuits
Self-employed liability insurance provides protection against being sued
. A liability is anything for which you can be held responsible in a court of law. In today's lawsuit happy world, it is important to protect yourself and your business from accusations of customers, accidents incurred by employees while at work, or even something as simple as someone falling while on your property. Anything involving your services or your business facilities can be grounds for a potential lawsuit. While some employers are able to successfully defend themselves against claims, it is always better to be protected.Several options are available when considering self-employed liability insurance. General liability insurance, small business liability insurance and contractor's liability insurance are the most common options. You will want to choose the best option based on your profession, the size of your business and the amount of risk involved in your business. For example, a large general contractor will have different needs than a small landscaping business owner or a self-employed dentist. The number of people you employ, type of business, and the amount of coverage you need are all factors that will affect your premiums and your options for coverage.
Some of the features to consider when researching and purchasing self-employed liability insurance include the cost of legal coverage if a problem should arise, whether or not you need 24 hour protection or service, coverage for medical costs, and payments for property damage. You may also wish to include coverage against slander, worker compensation fees or insurance for commercial vehicles. Again, the features necessary for your business will depend on your profession. When considering which features to choose, make sure that you select the options and the coverage that will best protect yourself, your business and your family from financial ruin should you find yourself facing a lawsuit.
Finding the best self-employed liability insurance for your needs is important, so reserve a fair amount of time to research options and prices. Select the features that you would like to have, and then prioritize them by need. Then, when you are comparing quotes, you can select the option that provides the most coverage for the best price based on the features that are most important to you and your business. Be sure to provide accurate information when asking for quotes to avoid unexpected cost increases between your quote and actual premiums. Quotes can be requested from a local insurance company or from a number of online companies.
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