Do You Really Need Business Insurance? The 5-Minute Risk Check Every Owner Should Do
Running a business in 2025 feels like walking a tightrope… while juggling… during a windstorm.
And while you’re focused on landing more sales, building your team, or figuring out payroll software (again), there’s one unsexy task that could wreck it all if ignored:
Not the overpriced kind your cousin’s friend sold you.
The kind that actually fits your business — and protects you when the “what ifs” become “oh no’s.”
So here’s a quick gut check.
1. Do you have customers or clients walking through your doors?
→ Slip, trip, fall = you pay out of pocket
✅ You probably need General Liability.
2. Do you sell physical products?
→ Faulty batch = lawsuit
✅You probably need Product Liability.
3. Do you have employees?
→ Paper cuts and back injuries = workers comp claims
✅ You definitely need Workers’ Comp (in most states, it’s the law).
4. Do you store customer data, credit cards, or emails?
→ One phishing scam = total chaos
✅ Cyber Liability might be the only thing standing between you and financial ruin.
5. Are you using a car for work?
→ Even if it’s your personal ride
✅You likely need Commercial Auto Insurance (your personal policy won’t cover business use).
And here’s the kicker:
Most business owners think they’re covered… until something hits.
That’s why smart founders are doing quick risk checks like this one to spot blind spots before they get burned.
If you’ve built something worth protecting… protect it.
Whether you’re a freelancer, retailer, contractor, or run a 20-person team, the risks don’t wait until you’re “big enough.”
You don’t need a 3-hour call with a broker to get answers.
Just a few minutes and a smarter way to compare.
👉 Check your business insurance options in 5 minutes.
Powered by Possibly — a team of real experts (not commission-chasing agents) helping business owners get the right coverage, minus the pressure.
