{"id":3575,"date":"2026-10-06T03:05:06","date_gmt":"2026-10-06T01:05:06","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3575"},"modified":"2026-10-06T03:05:06","modified_gmt":"2026-10-06T01:05:06","slug":"what-kind-of-insurance-is-needed-for-a-sole-proprietorship","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/en\/poradnik\/ubezpieczenia-dla-firm\/jakie-ubezpieczenie-dla-jednoosobowej-dzialalnosci\/","title":{"rendered":"What kind of insurance is available for a sole proprietorship?"},"content":{"rendered":"

For a sole proprietorship, there is no single, one-size-fits-all policy that automatically meets all your needs. First, break things down into three areas: business liability, property used in the business, and accident coverage. Only then should you review the coverage options, definitions, limits, and exclusions. This approach makes it easier to discuss coverage and reduces the risk of choosing a product whose scope doesn\u2019t match your actual business operations.<\/p>\n\n\n\n

Describe your business in specific terms: what services you provide, where you work, whether you use equipment outside the office, whether you store other people\u2019s belongings, and whether you collaborate with others. Then compare this description with the terms of the contract, rather than relying solely on the product\u2019s name.<\/p>\n\n\n\n

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Table of contents<\/h2>\n\n\n
  1. Business Liability Insurance<\/a><\/li>
  2. Equipment and Company Property<\/a><\/li>
  3. Workers' Compensation for Business Owners<\/a><\/li>
  4. How to Choose an Insurance Policy<\/a><\/li>
  5. FAQ<\/a><\/li>
  6. The Next Step<\/a><\/li><\/ol>\n\n<\/div><\/div>\n\n\n\n

    Business liability insurance: Don't confuse it with a personal policy<\/h2>\n\n\n

    If you provide services, sell products, or perform work at a customer\u2019s location, check whether the contract applies to the activities you actually perform. The InterRisk 2026 General Terms and Conditions for home insurance specify that liability coverage does not include damages related to the conduct of business activities, including damages caused by delivered or manufactured goods, as well as work performed or services rendered. Therefore, a personal insurance policy should not automatically be treated as business liability insurance.<\/p>\n\n\n

    When searching through documents, look not only for the file extension but also for a description of the task. Write down in simple terms what you do, where you work, whether you use other people\u2019s belongings, and whether you delegate some tasks to others. You\u2019ll find helpful questions in a guide to business liability insurance<\/a>.<\/p>\n\n\n

    Also check the provisions regarding people who assist at the company. Compensa\u2019s General Terms and Conditions 2026 for home insurance specify an exclusion for damages caused to persons employed by or performing work or services for the insured. This is an example of a provision that must be applied to your specific work arrangement, rather than a universal rule applicable to every contract.<\/p>\n\n\n