General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person.

Example: while visiting a new client, you accidentally break a sculpture. The owner claims it is a total loss and asks you to write a cheque for $10,000, the value of the artwork.

Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff.

Example:  the caterer doesn’t show up to the event you have organized. He had the wrong date but it turns out it is your employee who made the mistake. The caterer wants to be paid and your client is suing you for not having delivered the expected service.

Property insurance to cover physical losses caused by fire, theft, vandalism and other.