subject: Self Employed Liability Insurance - Is It A Must? [print this page] The opportunity to work from home or be self employed in general is considered a blessing. However, that same blessing brings responsibilities that you would not usually have to deal with working at a regular 9-5 job. One of these responsibilities is having self employed liability insurance. Working as an independent contractor or simply being self employed means that you are responsible for insuring yourself. Life can take many turns and having insurance is a must and is one of the first things that must be taken care of.
It is important to set your priorities and being insured at the top of the list. Having self employed liability insurance ensures that you will be protected should something happen. Many things can happen from catching a common cold and needing to see a doctor, to spraining an ankle while walking down the stairs. Not having insurance is not a gamble that you should indulge yourself with and should be taken seriously. Having insurance while working from home can represent the difference between life and death. Thousands of people avoid going to the doctors and even the hospital due to the fact that they do not have insurance. This only allows for illness and ailments to grow and develop into serious problems over time.
There are many different types of insurance available for the self employed. Finding self employed liability insurance is easier today then it has ever been. You may find coverage that insures you 24/7 while including all medical expenses. You may also consider coverage which covers any legal expenses, should they arise. Working with clients on your own will leave you vulnerable to liabilities. People are quick to bring about lawsuits in this age, so having insurance to cover you in this sense would be ideal. Choosing the type of coverage depends solely on you and your current needs.
You may also want to explore the option of getting insurance for the whole family. Having your own insurance gives you more freedom to include other members of your family that may not have insurance otherwise. It also means that you can choose a plan that fits the needs of your family as a whole and not a standard insurance plan that is offered to employees by their company. Take the time to explore all the different options you have for self employed liability insurance. Information is readily available today and is for the most part right at your finger tips.
by: Sal Trump
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