What legal coverage will I need?

Any time someone tells me they are considering embarking on a new business which involves mobility or work to be performed at a location other than a fixed place of business I cannot help but mention the potential liability if an unfortunate accident were to occur.  Did you know that if you use your personal vehicle for business your personal auto liability insurance may exclude coverage for an accident?  If your insurance denies a claim because of that you could be personally liable for any damages.  So, number one issue is to organize your business properly so that you protect yourself by having proper insurance plus being a corporation or limited liability company helps protect your personal property from loss in a lawsuit.  It may seem far-fetched but I can tell horror stories of people who've lost their car, furnitutre, homes and more vecause of being too unprepared to run a businessthe right way from a legal perspective.