Why Your Small Business Needs Commercial Insurance (Even If It’s Just You)

Running a small business is more than just a hustle—it’s your livelihood, your reputation, and often your only source of income. Whether you’re a solo contractor, freelancer, rideshare driver, or the proud owner of a one-man landscaping business, you may be thinking:
"Do I really need commercial insurance if it's just me?"
The short answer is: Yes.
And here’s why.

1. You’re Still at Risk (Even Without Employees)

Many small business owners assume that commercial insurance is only for companies with buildings, trucks, or staff. But liability doesn't care about your size. One mistake, accident, or unexpected event can put your finances and future at serious risk.
Let’s say you're:

• A graphic designer and a client sues you over missed deadlines or copyright issues.
  
  
• A handyman who accidentally causes water damage in someone’s home.
  
  
• A rideshare driver who gets into an accident during a trip—your personal auto insurance may not cover it.
  
  
  

Without the right commercial policy, you could be stuck paying out-of-pocket.


2. Clients and Contracts Often Require It

More clients—especially larger companies—now require proof of insurance before signing contracts. They want to know that if something goes wrong, there’s a safety net in place.

Having a general liability or professional liability policy shows you’re serious, reliable, and protected. In many industries, it’s the price of admission.


3. Your Personal Policies Don’t Always Apply

Don’t assume your homeowners or personal auto policy will cover business-related activities. They usually exclude business use. For example:

• Delivering food or packages? Your auto insurer might deny your claim if you're not properly insured.
  
  
• Running your small business from home? A client slipping and falling in your home office could be considered a business liability—not a homeowner issue.
  
  

That’s where a commercial policy fills the gap.


4. Peace of Mind = More Focus on Growth

Every business owner worries—about equipment, accidents, lawsuits, and income gaps. With the right coverage in place, you’re not stressing over “what ifs.” You’re focused on the real stuff: getting clients, growing revenue, and building something that lasts.

It’s protection, but it’s also power.


5. It’s More Affordable Than You Think

A lot of solo entrepreneurs skip insurance because they assume it’s expensive. The truth? Basic coverage often costs less per month than your phone bill.

At Mars Tag & Insurance Agency, we work with multiple providers to tailor coverage that fits your exact business and budget. Whether you’re just getting started or growing fast, we’ve got options that protect you without breaking the bank.

Need Help? Let’s Talk
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If you’re not sure what kind of commercial insurance you need—or even if you need it at all—reach out. We’ll give you straight answers and clear options.