When you run a business, especially one where the workers could be at any risk, you need to have liability insurance that will cover not only employees but also any patrons to the business. Any potential accidents need to be kept in mind as a reality in order to anticipate the right amount of coverage needed.
You will want to ensure that you have full commercial liability insurance so that, in the event it is needed, it is there. Accidents of various kinds could sink your company into serious debt and you are already floating the bottom line as it is. Nobody in business wants to see medical bills crossing to the desk. It would be a shame to be caught in a situation without the insurance.
Find the right insurance agency to help you out with this. They should be able to recommend the best policy for you and make sure that you have the full coverage. You can surely get a free estimate but then it will be time to lay down some dollars for the insurance so that the policy can go into effect right away. That is why you need the agency.
Again, making sure every possibility is covered means anticipating all possible scenarios. In order to do that, you will need to sit down with an agent who will be able to do that. Think of everything and then you will be fully covered. Be sure to discuss all details of the policy with the agent before signing the final documents.
If you are not satisfied with the details of the policy and think you need more coverage, tell the agent about this. It is important to get the right policy under all circumstances. This means looking at all the angles and making some smart decisions.