Liability insurance protects employers and employees from being sued by a third party. General liability insurance protects a business up to a designated amount, by covering damages or defense costs.
Liability Insurance coverage should be considered when you are an employer, employee’s visit a client’s home or vise-versa, and when a clients personal belongings are accessible.
For example, if a job requires visiting a clients home and said client trips over your equipment, you or your business could be liable. With this insurance your company is protected and the client is also covered.