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Liability Insurance for Small Businesses

Apr 18, 2018



Are you wondering if you need liability insurance for your small business?

The question you will want to ask yourself is, “Is there a chance your business could be held legally liable for property damage or bodily injury caused by your business operations, by your products or on your premise?” For most businesses, the answer is yes, no matter what size. Liability insurance for small businesses is just as important as it is for large businesses.

An example of a common liability claim is a slip and fall on your premises, whether that be a client at a business location or at a home office. If you did not have liability insurance for your business, you could be responsible for paying both the damages and the legal fees to defend a lawsuit. A liability claim can amount to more than $75,000 to defend and settle a lawsuit in addition to the payment for damages.* 

Liability insurance is not a one size fits all policy. Generally small businesses have lower premiums for liability insurance than large operations of the same business type. Premiums for liability insurance can vary based on the type of business, location of the business, size or revenue of the business and claims history.

Liability insurance for small businesses typically includes coverage for claims arising from:

  • Completed operations or defects caused by faulty workmanship
  • Property Damage
  • Bodily injury on your premise


To learn more about insurance for small businesses visit small business insurance in BC .

Do you have liability insurance for your small business? If not, you may want to consider a policy. Request an insurance quote for your small business. Westland has a team dedicated to insurance for small businesses. They can help you asses your need for a Commercial Insurance policy and assist you with finding the best insurance policy to meet your needs.

To contact one of our Small Business Insurance experts call 1-800-899-3093 or email



  • Commercial Insurance