Many companies, such as construction, painting, roofing or other small businesses that have employees and perform services for customers, feel they do not need insurance because they are a good company and have good workers. The flaw in this thinking is that they can not control everything or every possible scenario that could go wrong and things do go wrong, even to the best of the best companies, big and small companies. And it would take only one claim to put a small business out of business, bigger businesses know better and invest in better insurance polices to protect themselves.

An example of a construction company that can not control all elements of things that might go wrong is a dropped can of paint. The can of paint is dropped from a ladder in the living room of a remodeling job and hits a beautiful piece of antique furniture. The paint spills and ruins the piece of furniture or it takes a lot of money to fix it. If the can of paint were to have dropped on a person’s head, there would be a lot more money involved because it would take a lot more to fix the person; x-rays, perhaps surgery, lost wages, pain and suffering and of course as the business owner, you would have to pay the legal fees to recover damages.

A Boca Raton personal injury attorney would represent the injured party and if you as the business owner had a good insurance policy, then the insurance company would have someone represent you against the personal injury claim. The bottom line is that small businesses, just as large businesses, need to protect themselves and make sure that when a personal injury occurs, they are covered because one lawsuit could wipe out an entire business from existence.