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Every business in Zionsville, IN comes with risks of one type or another. At Completely Independent Insurance Agency, we want you to understand the potential risks that come with operating a business of any size and why you need the right type of liability coverage to protect both yourself and your business.
What Is Commercial Liability Insurance?
Commercial or business liability insurance protects your business from financial loss if the business holds liability for damages or injuries caused by its services, employees, or connected third parties. For some businesses, commercial liability can become a legal necessity. But it’s good to have this type of coverage even if you don’t or think you don’t need it.
What Makes Commercial Liability Insurance a Necessity for Your Business?
You may have legal and compliance considerations that dictate the type of commercial insurance you need. Beyond those considerations, commercial liability makes sense for those who want to have financial protections in place if an accident happens or someone claims they suffered an injury from or because of your business.
If someone slips and falls on your property where you carry out your business activities, that person can sue, and you may have to pay the full costs of their medical treatments. These sorts of things apply even if you’re a sole proprietor or just running a relatively small business out of your garage.
Even in a frivolous situation, the cost of the legal fight alone can damage a business and its reputation. Commercial liability insurance can help with payments, settlements, defense, and various other financial hurdles.
Is Commercial Liability Insurance All a Business Needs?
While you should consider commercial liability insurance as a necessity for your Zionsville, IN business, we at Completely Independent Insurance Agency can help you figure out what other protections your business might need. You may need a custom business insurance solution or options that cover various other aspects of your business. For questions or more information about commercial liability insurance or other types of commercial insurance, contact us today.