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Lincolnshire, IL 60069

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Arial Insurance Group Blog

Is Commercial Insurance Necessary for Businesses Without Employees?

Owning a business in Chicago, IL is a big responsibility, and it’s important to make sure you’re properly protected. One of the most common questions asked by entrepreneurs is whether or not they need commercial insurance if they don’t have any employees. Arial Insurance Group is here to assist.

What Does Commercial Insurance Cover? 

Commercial insurance can provide protection for your business in the event of an accident, injury, or lawsuit. It covers things like property damage, medical expenses, and legal fees that are related to your business activities. Depending on what type of policy you get, it may also cover lost income due to a natural disaster or other unforeseen circumstances. 

Do You Need Commercial Insurance if You Don’t Have Employees? 

The short answer is yes—even if you don’t have any employees, it’s still wise to invest in commercial insurance. That’s because accidents and lawsuits can happen at any time, regardless of the size of your business. If something were to happen while you were conducting business operations, you could be held liable for damages or injuries that occur as a result.

Additionally, some clients may require that you carry commercial insurance before signing a contract with you. This is especially true for larger companies that want to protect their own interests against potential legal issues related to working with vendors who do not have the proper coverage in place.

Contact Us Today

Even if you don’t have any employees or do not plan on hiring any in the near future, investing in commercial insurance is still important in Chicago, IL. It can provide financial protection in the event of an accident or lawsuit while also helping businesses compete for larger contracts. For more details, contact Arial Insurance Group.

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