Carrying Commercial General Liability (CGL) insurance is critically important for independent contractors, even if it is not strictly mandated by law for every trade. General liability insurance protects your business against third-party claims involving bodily injury, accidental property damage, or reputational harm arising from your operations. Without this coverage, a single workplace accident or property mishap could result in devastating personal lawsuits, out-of-pocket legal defense costs, and financial ruin that would threaten your livelihood.
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