Running your own business is both exhilarating and challenging—it also comes with its own set of risks. If you’re a sole business owner, you might believe that commercial insurance is only for larger companies. At Acme Insurance Brokerage in Amityville, NY, we often hear, "Do I really need insurance if it’s just me?" The short answer? Quite possibly—yes.

You’re Liable, Even If It’s Just You

Many sole proprietors assume that personal insurance will cover any business-related incidents. Unfortunately, that’s not the case. If a client trips and falls at your home office or if you accidentally damage a customer’s property while working, you could be held personally liable. Commercial general liability insurance helps protect you in these situations, covering legal fees, medical expenses, and other potential costs.

Clients and Contracts May Require It

As your business grows, you may take on larger clients or more complex projects. Some clients require proof of insurance before signing a contract. Without it, you could miss out on valuable opportunities. Having the right coverage also builds trust and shows you take your business seriously.

Your Equipment and Income Need Protection

If you rely on tools, equipment, or even just your laptop, a sudden loss could bring your work to a halt. Commercial property insurance or a business owner’s policy can help replace lost or damaged items. And if you have to pause operations due to a covered event, business interruption coverage can help replace lost income.

Ready to Protect Your Business?

Even if you’re a one-person operation, commercial insurance offers essential peace of mind. Acme Insurance Brokerage in Amityville, NY, is here to help you find the right coverage for your unique situation. Contact us today for expert guidance and a custom quote.