Times are tough.  Really, really, tough.  As a business owner, you carefully monitor every penny you're spending.  And one of your biggest costs?  You guessed it:  insurance.

You need property insurance.  It's essential to insure your building and contents in the event they're destroyed by fire or a wedge tornado.  But then you have that troubling portion of your insurance bill pertaining to general liability.  You're a careful manager, and you run a safe, efficient operation.  Why should you carry liability insurance?  Aren't you just throwing away your hard-earned money?

No!!  The truth is, liability insurance is VITAL!  Do you own or lease a building or warehouse?  Do you allow customers or clients to access your premises?  Then you have a huge liability exposure:  premises liability.  After all, people do slip and fall, often causing severe injury.  Or, a stack of merchandise on a shelf could collapse and fall on a customer, again causing injury.  Despite our best efforts to keep our premises safe, occasionally a puddle of water is allowed to stand, or an extension cord is stretched across an area with considerable foot traffic.  Liability insurance protects you from these exposures!

In the restaurant business?  Food does go bad, and if you have a patron--or several patrons--get sick from your breaded catfish, then you desperately need liability insurance.  In the auto repair or maintenance business?  It's a fact:  employees do get distracted.  If an employee drains the oil from a vehicle--then subsequently forgets to replace the oil and the customer drives away--liability insurance is vital when that angry customer returns with a $8,000 bill for a new engine.  In the demolition business?  Imagine the mess if a supervisor sends a crew to the wrong address. . .and they tear down the WRONG building!

The examples are endless.  As are commercial general liability exposures!  If you own or manage a business, liability insurance is a MUST!