While operating a Limited Liability Company (LLC) establishes a legal shield that protects your personal savings and home from general corporate debts, an LLC definitely needs business insurance because that liability shield does not cover direct professional errors, on-site client injuries, or physical property losses. If a customer is injured at your office or you face a major professional negligence lawsuit, your LLC status alone will not pay out claims or cover legal defense fees, making policies like general liability or professional indemnity crucial.
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