You need business insurance the moment you begin engaging in commercial activities, offering professional services, interacting with clients, or hiring employees, even if you are operating as a sole trader from home. The moment you sign a commercial lease, bring a customer onto your premises, store third-party property, or sell a product, you expose yourself to potential liabilities. Relying solely on personal home or auto policies for commercial ventures often results in claim denials, making dedicated business coverage essential right from startup inception.
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