{"id":530,"date":"2021-03-26T16:41:02","date_gmt":"2021-03-26T21:41:02","guid":{"rendered":"http:\/\/guardian-insurance-lawrenceville.four.zysites.com\/blog\/why-small-business-owners-need-liability-insurance\/"},"modified":"2024-03-14T10:36:23","modified_gmt":"2024-03-14T15:36:23","slug":"why-small-business-owners-need-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.myguardianinsurance.com\/es\/sin-categorizar\/why-small-business-owners-need-liability-insurance\/","title":{"rendered":"Why Small Business Owners Need Liability Insurance"},"content":{"rendered":"<p>Small businesses have a huge incentive to protect their financial reserves; after all, it is key to their overall success strategy. They are also incredibly vulnerable to financial challenges, which include the risks of lawsuits lodged by third parties (I.e. customers) who claim that you caused them harm.<img decoding=\"async\" alt=\"a group of people sitting at a desk\" data-src=\"http:\/\/guardian-insurance-lawrenceville.four.zysites.com\/wp-content\/uploads\/sites\/70\/2024\/03\/smallbiz.png\" style=\"float: right;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>&nbsp;<\/p>\n<p>All businesses want to provide safe, secure and satisfactory services to all clients. However, you can&rsquo;t eliminate the risk that when a customer enters your business, something could go wrong. Still, you can be prepared for anything by carrying a specific benefit known as general liability insurance. Here&rsquo;s more about how this benefit works.&nbsp;<\/p>\n<p><strong>What Does General Liability Insurance Do for You?&nbsp;&nbsp;<\/strong><\/p>\n<p>Mistakes happen in every business, but if a mistake harms your customers, you have to be prepared to respond. Still, this will often lead to significant financial ramifications, which can put a disproportionately high strain on smaller businesses. <a href=\"https:\/\/www.myguardianinsurance.com\/business\/general_liability_quote.aspx\">General liability insurance<\/a> is the coverage that will help you respond.&nbsp;&nbsp;<\/p>\n<p>Qualifying third-party losses covered by <a href=\"https:\/\/www.myguardianinsurance.com\/business\/general_liability_quote.aspx\">general liability insurance<\/a> might range from slip-and-fall accidents in a bathroom to injuries caused by one of your products. There are numerous ways that it can be of assistance to you:&nbsp;&nbsp;<\/p>\n<ul class=\"BulletListStyle1 SCXW22386388 BCX0\" role=\"list\" style=\"background-color: #ffffff; margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW22386388\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW22386388 BCX0\" paraid=\"448832208\" paraeid=\"{a4c7cc3c-268d-4ffd-ae7d-1ad49499e2bd}{222}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW22386388 BCX0\" style=\"margin: 0px; padding: 0px;\">It pays for third-party medical bills, lost time at work, pain and suffering claims, and much more so you do not have to do so out of pocket.&nbsp;<\/span><span class=\"EOP SCXW22386388 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW22386388\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW22386388 BCX0\" paraid=\"688705119\" paraeid=\"{a4c7cc3c-268d-4ffd-ae7d-1ad49499e2bd}{229}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW22386388 BCX0\" style=\"margin: 0px; padding: 0px;\">You have legal assistance available should this case go to court as a result of a liability lawsuit.&nbsp;<\/span><span class=\"EOP SCXW22386388 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW22386388\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW22386388 BCX0\" paraid=\"274930340\" paraeid=\"{a4c7cc3c-268d-4ffd-ae7d-1ad49499e2bd}{236}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW22386388 BCX0\" style=\"margin: 0px; padding: 0px;\">It can help to restore your reputation if your business suffers false accusations in such claims.&nbsp;<\/span><span class=\"EOP SCXW22386388 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"4\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW22386388\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW22386388 BCX0\" paraid=\"870885986\" paraeid=\"{a4c7cc3c-268d-4ffd-ae7d-1ad49499e2bd}{243}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW22386388 BCX0\" style=\"margin: 0px; padding: 0px;\">If a court deems you responsible for a liability claim, your policy covers the settlement.<\/span><span class=\"EOP SCXW22386388 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<p>\nIf you are still unsure if your company is really facing any liability risks, think again. Countless people file liability claims against a business every year, and their claims might allege:&nbsp;<\/p>\n<ul class=\"BulletListStyle1 SCXW24537427 BCX0\" role=\"list\" style=\"background-color: #ffffff; margin: 0px; padding: 0px;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW24537427\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW24537427 BCX0\" paraid=\"731573896\" paraeid=\"{a6be41c7-0c76-490a-a790-f713880c43b0}{1}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW24537427 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW24537427 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Injuries while they are on the&nbsp;<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW24537427 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">premises<\/span><span class=\"NormalTextRun SCXW24537427 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">&nbsp;<\/span><\/span><span class=\"EOP SCXW24537427 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW24537427\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW24537427 BCX0\" paraid=\"1821109551\" paraeid=\"{a6be41c7-0c76-490a-a790-f713880c43b0}{8}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW24537427 BCX0\" style=\"margin: 0px; padding: 0px;\">Product failures&nbsp;<\/span><span class=\"EOP SCXW24537427 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW24537427\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW24537427 BCX0\" paraid=\"525316970\" paraeid=\"{a6be41c7-0c76-490a-a790-f713880c43b0}{15}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW24537427 BCX0\" style=\"margin: 0px; padding: 0px;\">Property damage to their belongings&nbsp;<\/span><span class=\"EOP SCXW24537427 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"4\" role=\"listitem\" data-aria-level=\"1\" class=\"OutlineElement Ltr BCX0 SCXW24537427\" style=\"margin: 0px 0px 0px 24px; padding: 0px;\">\n<p class=\"Paragraph SCXW24537427 BCX0\" paraid=\"2100083263\" paraeid=\"{a6be41c7-0c76-490a-a790-f713880c43b0}{22}\" style=\"color: windowtext; background-color: transparent; margin: 0px; padding: 0px;\"><span data-contrast=\"none\" class=\"TextRun SCXW24537427 BCX0\" style=\"margin: 0px; padding: 0px;\"><span class=\"NormalTextRun SCXW24537427 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px;\">Illness sustained as a result of the business&rsquo;s&nbsp;<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2 SCXW24537427 BCX0\" style=\"background-color: inherit; margin: 0px; padding: 0px; border-bottom: 1px solid transparent;\">negligence<\/span><\/span><span class=\"EOP SCXW24537427 BCX0\" data-ccp-props=\"{'134233279':true,'201341983':0,'335559739':160,'335559740':259}\" style=\"margin: 0px; padding: 0px;\">&nbsp;<\/span><\/p>\n<\/li>\n<\/ul>\n<p>\nNo matter what you do or what industry you are a part of your business insurance agent will be there to guide you through the process of getting appropriate general liability insurance. They will look within your company, weigh your industry-specific liabilities and determine the exact value of coverage you need. They can also assist you in choosing the policy that is most affordable for you and aid you in choosing supplemental liability coverage that expands your benefits appropriately.&nbsp;<\/p>\n<p><a href=\"https:\/\/www.myguardianinsurance.com\/business\/general_liability_quote.aspx\">General liability insurance<\/a> is one of the most necessary forms of business insurance. It is also one of the easiest policies to purchase. Improving your business&rsquo;s risk profile is critical, and these products can help.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Small businesses have a huge incentive to protect their financial reserves; after all, it is key to their overall success [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":531,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":null,"_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_analytify_skip_tracking":false,"footnotes":""},"categories":[],"tags":[39,38,37,36,41,40],"class_list":["post-530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-business","tag-commercial","tag-insurance","tag-liability","tag-owners","tag-small"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts\/530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=530"}],"version-history":[{"count":0,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/posts\/530\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/media\/531"}],"wp:attachment":[{"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=530"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=530"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myguardianinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}