No matter what you do, there is not much chance that you will be able to avoid commercial liability insurance for your business. Somehow you need to be covered, should any of your actions as a business cause harm or loss to others, and thereby incurring you a financial loss. Most places, it is not even optional to have business liability insurance – perhaps because the plaintiff in a lawsuit against a business could end up with nothing, if the owner of the business is not insured. Causing harm to a client or customer is no joke – you may be able to settle the case out of court, but you will still have to pay up, most likely. Should it come to a court-case, you really will want to have good coverage, as these things can get very expensive. It is bad enough that your public image might be severely damaged – but do you also want to risk going bankrupt in the process?

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