Business Insurance..?

[nonenzedder]

Why do I need busines insurance if I only trade at home through the internet (selling my own custom built software programs)? And what business insurance would I need to do this?
Also does anyone have any links - where I can get a quote on this sort of trading?
Thanks in advance.

[MTR]

You don't, if you can afford to pay any claim presented against you without help, and can afford the attorney bills, too.
Just because you may not make a mistake, doesn't mean you won't get sued anyway. Insurance is there to protect you. If your software is alleged to cause a problem with graphics, games, etc, you have exposure.

As to what kind of insurance, call an independent agent. I don't think you can get a quote on line for the type of business you have.

[That1TyGuy]

Yea, I would highly doubt there is much problems you could run into but I would possibly get insurance if you are doing this full time. But just long as you aren't stealing images or pieces of code you shouldn't run into any problems. And you could also make your company an LLC to provide even more protection.