do freelancers need business insurance

Risky Business: Nearly one in four Canadian small businesses operate without insurance despite growing risks and financial pr

The Silent $45,000 Risk in Small Business Operations

24% of Irish small businesses operate without any liability insurance, exposing them to legal bills that can easily exceed €45,000. Even if you have flawless invoicing and automated follow-ups, a single client lawsuit can wipe out years of hard work. The risk is silent, but the cost is loud.