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Carrie Reynolds

carrie-reynolds-insurance-goddess

April 10, 2012 by Carrie Reynolds Leave a Comment

The #1 reason you DON’T need commercial liability insurance

The #1 reason you DON’T need commercial liability insurance
You’re independently wealthy and can pay attorney fees out of of your own pocket.
Got more money than you know what to do with?
Is it burning a hole in your pocket?
Really want to give it away instead of investing it in your business?

OK, then maybe you don’t need a commercial liability policy. Maybe you’ll never sell a product that has a defect (think the auto industry is saying this?). Maybe you’ll never engage in work that has the potential to cause harm to someone else. Maybe you’ll flat out never make a mistake. 

But, I doubt it.

People don’t play that way. We produce things or offer services that have the potential to cause distress to others. No one operates in a vacuum.

Do you realize that the #1 function of a commercial liability policy is NOT to pay for bodily injury and/or property damage???????
It’s to provide you legal defense. I’ll say it again- the #1 function of a commercial liability policy is to provide a lawyer to defend you AND pay those lawyer bills up to the limit of the policy.

So tell me- would you rather work your butt off  making the small profit you do to just turn around and basically give it away?

OR, would you rather pay a modest premium to assign the worry and stress of legal bills to someone else?

Your turn. 

Filed Under: Insurance, Ohio Business Insurance Tagged With: Commercial liability, commercial liability insurance, general liability insurnace, legal defense, legal expenses, protecting your small business

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