If you’re starting a business, the first step you need to take in setting up your company is to obtain commercial liability insurance. Or, if you already have an existing business but do not have general liability insurance, do so immediately. Being an entrepreneur and running your own company can be quit rewarding, but it does not come without plenty of risks. That’s where the important of liability insurance lies. But what does that mean? What protection does it afford? How do you determine your coverage needs?

​Working at a desk job requires sitting for hours per day. This can lead to increases in health problems like obesity, diabetes and cardiovascular problems. The body is not made to sit for extended periods of time, leading to health issues. Many studies are done that include individuals who sit for their job, these studies have led to the realization that it can be leading to health risks.

​When you own a business, general liability insurance is a requirement. This type of insurance provides a safety net protecting your business should legal issues arise or the unexpected happen. As a contractor or small business owner, you need some form of general liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to afford. The best way to protect against this type of situation is to make sure you carry adequate general liability insurance.

Have you heard the term ‘umbrella insurance’ but aren’t quite sure exactly what that means? Don’t fret – you aren’t alone. Like most, unless you’ve needed such a policy, you probably never bothered to learn more about it. As in all insurances, protecting your family and assets in your top priority. However, you may find yourself in a situation where you regular insurance policy isn’t enough. That’s what personal umbrella insurance is for.