Do All Businesses Need Commercial Insurance?

Does your Kissimmee, FL business need commercial insurance? The question really comes down to liability. You’re not going to face much in the way of liability if you’re a one-person business designing websites in your home office. But once you start hiring staff, then you’re inviting a whole new level of risk into your business.

There are some industries with very little liability to consider, but these industries are few and far between. If you’re selling products, you’re inviting liability. If you’re hiring people, you’re inviting liability. If you have clients coming to visit you in person, you’re inviting liability.

Insurance is all about the damages that you can’t afford to cover on your own. You might not have anything more than a smartphone and a list of clients on your end, but if someone could feasibly be injured or suffer damages as a result of your business, then you need commercial insurance. It’s not just your own property and safety you need to worry about, it’s everyone you do business with.

You might need commercial insurance for other reasons, as well. For instance, a client or partner might not be willing to work with you if you’re not covered. Commercial insurance isn’t legally mandated, but it might be very hard to do business without it in some instances.

If you’re looking to get your business in Kissimmee, FL covered, call Familia Insurance Agency and see what they can do for you. No matter what line of work you’re in, no matter the size and scope of your business, you need to be realistic about whether or not commercial insurance has become a necessity. Familia Insurance Agency can help you to get covered whenever you’re ready.