POLL — Do You Have Business Liability Insurance?


Do you carry business liability insurance? Why or why or not?

It’s true your business may still be quite small. And maybe you’re not even clear on precisely what business liability insurance is — and what it covers.

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So What is Business Liability Insurance?

Well, basically it’s insurance that protects you and your employees from claims of personal or bodily injury or property damage brought by another business or individual.



What are some simple examples?

Well, suppose a client is visiting your office. Your employee leaves a piece of equipment in the middle of the office and your client trips and falls.

Or suppose you or your employees are at your client’s office working on the computer system and accidentally delete critical business data that hasn’t been protected.

Suppose a member of your team operates a personal website and creates posts slandering an important client online — triggering a suit against your company?

Still think you don’t need business liability insurance? Anyway, we’d still like to know.

Do you Have Business Liability Insurance?

Please answer our poll below.

Do You Have Business Liability Insurance?

1 Comment ▼

Shawn Hessinger - Editor


Shawn Hessinger Shawn Hessinger is the Executive Editor for Small Business Trends. A professional journalist with more than a decade of experience in the traditional newspaper business, he has another 10 years of experience in digital media for trade publications and news sites. Shawn has served as a beat reporter, columnist, editorial writer, bureau chief and eventually managing editor with responsibility for nine weekly newspapers, the Berks Mont Newspapers.

One Reaction

  1. Aira Bongco

    Wow. So it is more common in businesses than I thought. I guess business liability is more important than I thought it is.

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