Protecting your business: A guide to liability, security, and responsibility for freelancers

laptopFrom PC World — Luis Gomes recommends ports critical areas to protecting client data with strong encryption, protecting data during transit and keeping up-to-date with basic PC protection.  In addtion, he recommends insurance to be safe.  He writes:

And just to be safe, insure

No matter how many precautions you take, disaster can still strike. An accident can destroy expensive equipment. A former client or a former employee can sue you. Sickness or injury could force you to shut down your business for weeks or months.

Liability insurance can protect you from the financial aftershocks of these disasters. And even if you’re a business of one working out of your home, insurance can still prove vital. According to the US Small Business Administration, “homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.”

If you already have homeowner’s or renter’s insurance, contact your agent and ask about covering your business. You should at least find out how much it will cost you before you decide you can’t afford it. And remember, it’s a tax write-off….”

Read the full story at Protecting your business: A guide to liability, security, and responsibility for freelancers

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