Do I Need General Liability Insurance If I Work From Home?

More professionals than ever now work from home, including freelancers, remote workers and small business owners. When choosing whether to purchase general liability insurance, various factors come into play, including the type of work you do and the nature of the risks involved. 

Understanding General Liability Insurance 

General liability insurance is fundamental business protection that may help cover the following: 

General liability insurance is a fundamental insurance policy that provides broad protection for businesses. It may help cover a range of common risks and liabilities of day-to-day business operations. The following are the key areas typically covered by general liability insurance: 

• Third-party claims of physical injury or property damage due to your business operations or products  
• Claims of personal injury, such as libel, slander, wrongful eviction, violation of the right of privacy and false advertising 
• Court costs, settlements and judgments for covered claims up to the policy’s limits 

Each business has unique insurance needs, so discussing your situation with an insurance professional is crucial to ensure you have the appropriate coverage. 

When General Liability Insurance Is Essential for Home-Based Businesses 

General liability insurance is vital for businesses that interact with clients or customers, including home-based businesses. If clients or customers visit your home for business purposes, there’s a risk of injury or property damage, for which you could be held liable. 

Contractors working from home can be held liable for damages that occur because of their professional services. 

How to Get General Liability Insurance in Athens, Georgia 

Regardless of your business structure or location, having liability insurance is crucial for protection against unforeseen incidents. Contact a local insurance provider who understands Georgia’s laws and can tailor coverage to your needs. 

Small business general liability insurance is specifically designed for smaller organizations and can be tailored to the unique risks of a home-based operation. 

Working from home does not exempt you from the liabilities that businesses typically face. General liability insurance coverage is a critical aspect of safeguarding your home-based business. 

Evaluate your business activities, consider the potential risks and consult with an insurance expert to determine the appropriate coverage for your specific needs. Investing in the right insurance policy lets you focus on growing your business. 

Contact La Oficina Insurance Agency in Athens, Georgia, for general liability insurance coverage tailored to meet the needs of your work-from-home situation. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.