Insurance is extremely important for any business, but especially one that has clients walking in and out of an office or shop. There are a myriad of things that could happen no matter how diligent the property owner may be. A stair rail breaking, a wet spot on the floor or even someone tripping on the edge of a rug are all reasons that one may sue you. When you have small business insurance to cover these things at least the monetary damages will be taken care of. If you operate your business from your home you still should have insurance. This holds true even if a customer never crosses your doorstep.
You must at some point deal directly with customers, whether it’s by phone, fax, email or postal mail. Any time that you have to deal with the public you leave yourself open for a lawsuit because someone could claim that you lied or gave them misinformation. False advertising will always be a popular way for someone to try to collect money from your insurance company. If the claim is legitimate your insurance company will pay.
