Small business owners need general liability insurance!

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Most every small business owner can benefit from general liability business insurance because it provides protection against common risks that can arise in various industries. Here are some types of businesses that typically need general liability insurance:

1. Retail Stores: To cover incidents such as customer slips and falls, or property damage caused by the business operations.
2. Restaurants and Cafes: To protect against claims of foodborne illnesses, customer injuries, and property damage.
3. Construction and Contracting: To cover accidents, property damage, and injuries that occur on job sites.
4. Professional Services: Such as consultants, accountants, and lawyers, to cover claims NOT related to advice or practice- like injury or property damage. Professional Liability policies for errors and omissions and coverages for the advice and services you provide DO NOT cover general liability. 
5. Health and Wellness: Including gyms, yoga studios, and massage therapists, to cover client injuries and property damage.
6. Manufacturing and Distribution: To protect against product liability claims and damage to third-party property.
7. Cleaning Services: To cover potential damage to clients' property and injuries that occur while performing services.
8. Landscaping and Lawn Care: To protect against property damage and injuries while working on clients' properties.
9. Technology Companies: To cover claims of bodily injury, property damage, and personal injury related to business operations.
10. Event Planning and Hospitality: To protect against claims arising from events, such as guest injuries or property damage.
11. Real Estate: Including property managers and real estate agents, to cover incidents that occur on properties being managed or shown. 

Even home-based businesses and small startups can benefit from general liability business insurance, as it provides a safety net against unforeseen claims and potential financial losses. Essentially, any business that interacts with customers, clients, or the public should consider general liability insurance to protect against common risks.

If you have a specific type of business in mind and need more detailed advice, feel free to ask!