Business protection · 02
Cover that keeps a bad day inside the LLC
An LLC is meant to stand between your company and your personal savings — until something goes wrong and there is nothing standing in front of the company itself. LLC insurance is that layer: it responds when a claim lands on the business.
The point of the LLC
The LLC separates the business from you — as long as the business can answer for itself.
Insurance is how it answers. Without it, a settlement gets chased past the company and reaches the person who owns it.
What actually goes wrong
Four ways a normal week turns into a claim
None of these are dramatic. That is exactly why owners put coverage off until the day they need it.
A client gets hurt on your job
Someone slips in a room you were working in, or is injured by something you installed. The claim is filed against the business.
You damage property you weren’t hired to touch
A wall, a fixture, a neighbouring unit, a piece of equipment. Repairs come out of somebody’s pocket, and yours is the pocket holding the LLC.
The work itself becomes the problem
Something you completed later causes damage or loss. Without coverage built for your trade, that one is on the business.
A contract asks for proof before you start
Landlords, general contractors and big clients will not let you on site without a certificate. The job goes elsewhere.
What the cover does
Protection shaped around your business
- General liability — the core cover for injury and property damage claims against the business.
- Coverage for the work you actually do, not a generic package that excludes your trade.
- A certificate of insurance when a client, landlord or contract asks for one.
- A claim that stays with the LLC instead of following you home to your savings and personal credit.
What Robin needs to know
Coverage is priced around what a business does and where it does it. Come to the call with roughly these and it takes minutes:
- Your trade
- What the LLC actually does day to day
- Where you work
- Other people’s premises, job sites, or your own
- Staff and subs
- Whether anyone works for or alongside you
- Revenue
- A rough annual figure is enough to start
- Existing cover
- Anything you already carry, if any
Next step
Get your LLC covered
Send the short form and Robin comes back with what cover fits your trade, and what it would take to put it in place.
Call or text(404) 399-4796