General Liability Insurance

General Liability policies are typically issued on a "claims made" basis. For a claim to be covered, the alleged error or omission must be covered by the policy and must have taken place on or after the retroactive date of coverage, but before the policy's expiration date; and the claim must be made while the policy is still in force.

General Liability insurance won't protect you if you should get sued for something like stealing a client's customer away. For these types of situations, you may wish to create a contract that outlines procedures for conflict resolution and clearly states your and your client's rights.

The chance of getting sued often has less to do with the quality of your work than with your clients' temperament and expectations. If your client relationship goes sour for any reason, you could be accused of negligence even if you didn't make any mistakes