![\"\"](\"http:\/\/childcarepurchasing.org\/childcaresupplies\/wp-content\/uploads\/2012\/05\/general-liability-insurance.jpg\" "\\"Liability")
\nYou may not see a direct need for your business to have general liability insurance.\u00a0 The question \u201cWhy would I need general liability insurance?\u201d is one an insurance agent answers every day.\u00a0 Insurance protects you for the unexpected, making sure your business is able to operate through any obstacle life has to offer. Here are five reasons you would need general liability insurance<\/a>:<\/p>\n
In order for you to perform your job your client may for evidence of insurance.\u00a0 This is the number one reason we find that any business would need general liability.\u00a0 Almost every wok agreement contract has insurance requirements you must meet.\u00a0\u00a0 If you don\u2019t have the insurance already you will need to find a quote fast or your client may offer the contract to another better prepared business.\u00a0 Don\u2019t let this happen and prepare your business with an insurance program.\u00a0 Your client is asking for this insurance in case of bodily injury or property damage.\u00a0 Insurance will cover you for your responsibility in any of these events<\/p>\n
Clients Visit your place of work<\/strong> Have employees at third party locations<\/strong> Access to clients equipment or server<\/strong> Write or Speak about Clients business<\/strong>
\nIf your business involves customers or clients visiting your work place you are at risk if someone is injured or damages property.\u00a0 Avoid the anxiety with general liability insurance.\u00a0 If a person were to slip trip or fall they may want to hold you responsible for medical bills or lawyer\u2019s fees.\u00a0\u00a0 General liability provides insurance coverage for lawsuit and medical payments.<\/p>\n
\nWhen you send an employee to a third party location your business is responsible for their actions and work they do.\u00a0 Off premise work needs to be insured just like having customers in your place of work.\u00a0 A bodily injury or damage to property can occur and without general liability lawsuits or medical bills will come out of your pocket.\u00a0 General liability extends its liability to where you are performing your job.\u00a0 While doing maintenance work at a client site a person slip trips or falls across liquid on the floor due to the maintenance work you are responsible.<\/p>\n
\nFor many businesses it is not uncommon for you to be in the care of, custody or control of your client\u2019s equipment.\u00a0\u00a0 General liability insurance covers you from fire, storm damage or theft of your clients property.\u00a0 If you are working with a company\u2019s systems integration, network or server this coverage is crucial.\u00a0 Commercial general liability insurance is able to cover computer equipment from damage, certain power failures and computer viruses.<\/p>\n
\nWhen it is your job to write or speak about a clients business you are at risk from offending a competitor or consumer.\u00a0 They may see your work as libel, slander, disparagement, or infringing on a copyright.\u00a0 \u00a0General liability provides coverage for personal or advertising injury designed to cover publication of material that slanders or libels another person or organization. Legal defense costs from lawsuits that claim false, malicious or misleading statements in advertisements, promotional flyers, brochures, or Web sites, etc. can also be covered.<\/p>\n