Small business liability insurance: Three reasons why you need it

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Small business liability insurance

As a small business owner, you probably don’t want – or need – an additional expense like small business liability insurance. But like many things in life, sometimes you just can’t take the risk.

If you are a small business owner, you need small business liability insurance. Let’s face it, things can happen – accidents, mistakes, other issues. They can all arise.

And you don’t want to run the risk of losing your livelihood because you didn’t invest in small business liability insurance.

With small business liability insurance, you know you are protected and you can stop worrying about what would happen if the worst happened – like legal fees, lawsuits and more.

Here are three reasons your small business needs liability insurance. Read on:


If you have employees – or customers – chances are they are human. And with humans, accidents happen. The cost of the accidents can be high – a lot higher than liability insurance. If you, an employee or a customer is injured, you could be on the hook for big medical bills. But with liability insurance, you can rest assured that you are covered.


Accidents aren’t always of the human kind. Property damage can happen too – at any time. And who pays for that if you don’t have liability insurance? You do. If you or your employee causes damage to someone else’s property, you have to pay. But with liability insurance, you can be protected.

Your future

One accident can take away your business. It’s just a fact. Why put your livelihood in danger by not investing in liability insurance? Protect your business – and your employees by investing in the coverage you need.

Crumrine Financial Services

At Crumrine Financial Services, we can walk you through the liability insurance you need and identify the right policy for you. Request a quote today!