Does your small business need liability insurance?

Start with the work you actually do

A retailer, a consultant, and a contractor can all need liability insurance for different reasons. Think about who visits your business, where you perform work, what you sell, and what others rely on you to get right.

General liability can address certain injury, property-damage, and personal or advertising-injury claims. Professional-service mistakes are a different conversation. The name of a policy is only a starting point.

Read the contract before requesting the certificate

A landlord or client may ask for particular limits, endorsements, or wording. Send the actual requirements to your broker rather than simply asking for proof of insurance.

A certificate records information about coverage; it doesn’t create the coverage a contract calls for. It’s worth checking the details before the document becomes urgent.

Working from home doesn’t settle the question

Your home policy may limit or exclude business-related losses. Equipment, visitors, products, and advice you give for a living can all deserve a separate review. Tell your broker how the business operates, not just where.

Make the decision with a clearer picture

At Ironhill, we’ll help you connect the insurance questions to your work and the obligations you’ve taken on. Bring your contracts, current policies, and plans for the year ahead.

Explore our business insurance guides for a closer look at general liability, professional liability, and the other coverages that may belong alongside them.