Shop elsewhere when: you need standalone general liability or workers’ comp as your primary coverage, your LLC operates in a niche industry requiring specialized underwriting, or you want a direct insurer that handles its own claims without intermediaries.
🇺🇸 Does an LLC Need Insurance for a Business vs. Personal Use?
A common point of confusion: does an LLC need insurance if it only handles personal projects or passive income?
The rule is clear. If your LLC earns revenue, signs contracts, hires any person including contractors in some states, or interacts with clients or the public in any way, it needs at least general liability insurance. An LLC used solely for passive real estate holding with no operations, no employees, and no public interactions occupies a grayer area but should still carry a landlord or property insurance policy to protect the asset itself.