General liability insurance covers your business in a number of different scenarios. Your business is kept safe from claims for bodily and personal injury and others. Umbrella-type policies cover you from costly claims when you’ve reached the limits of the other ones.
Your situation will change when you start hiring employees. Then, you will be legally required to find workman’s compensation insurance coverage. This can help your company pay for work-related injuries and illnesses like ongoing care and medical bills.
Overall a policy like this covers defense costs if you find yourself in a lawsuit.