There’s a lot more to say when you run a business. An accident, error, omission, or a negligent act by you or anyone in your employ could ruin your business and even result in a claim against your personal assets. The severity of the threat could depend on the way your business is set up, the amount or lack of insurance you have, and on the care with which the contract with the customer is drawn. That’s why you need to consult at least two commercial insurance agents for a risk assessment. In here, you have to listen to the advice you are offered; ask lots of questions.
It is better for you to meet with more than one agent, at competitive companies. You may find one easier to understand or work with than another, or you might find a better deal.
Don’t hide the fact that you are shopping around. The smartest entrepreneurs are those who “buy” goods and services instead of being ‘sold’ goods and services. And the best businesspeople are those who realize that they have to offer real value to their customers in the form of price, service, or both. You should do the same when you look for a civil attorney who can help you protect yourself with limits of liability in your contracts and the form of your business. Ask for an introductory meeting with at least two lawyers. In most instances, a short preliminary session is offered without charge. Ask for advice and for an estimate of costs for specific services in order to get the best lawyer for our business.