One of the many advantages of having general liability insurance is that even whenever an action brought against you is false but you still must to go to court, your costs will be covered from your small business insurance policy. As a company possessor, contracting such kind of insurance is a matter of survival for your business, so you mustn't ignore it. You must pray god to save your employee from getting seriously injured during work time if you don't have such insurance policy and if this unfortunately happens to pay a big amount of money for an agreement and the worst is that this may ruin your business. That's why it's a clever action to have some kind of professional liability .