How Much Liability Insurance Do I Need?

When it comes to business, there are a lot of risks that you need to be aware of. One of the biggest risks is liability. You could be held liable if someone gets injured on your property or as a result of your products or services.

This is why it’s important to have liability insurance. The question is, how much do you need? This blog post will discuss the different types of liability insurance and how much coverage you should have.

Types of Liability Insurance

There are two main types of liability insurance: property damage and bodily injury. Property damage covers damages to someone else’s property caused by you or your business. For example, if you accidentally break a window while working, your property damage insurance would cover the cost of repairs.

Bodily injury covers medical expenses and other damages if someone is injured due to your business. For example, if a customer slips and falls in your store, your bodily injury insurance would cover their medical expenses.

So How Much Liability Insurance Do You Need?

The answer depends on a few factors, including the size of your business and the types of products or services you offer. If you have a small business with low-risk products or services, you may only need a few thousand dollars in coverage.

However, you may need millions of dollars in coverage if you have a large business or higher-risk products or services. Talking to your insurance agent at Bingham Insurance Group in Braselton, GA about your specific needs is essential. They can help you determine the right amount of coverage for your business.


Liability insurance is an important part of any business. The amount of coverage you need will depend on the size and risk of your business. Talk to your insurance agent to determine the right coverage for your needs. Bingham Insurance Group can help you find the right liability insurance policy for your business. Contact us today to learn more.