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Most businesses in Florida demand a business license. The list of businesses that require licenses are http://professionalindemnityinsurance.moonfruit.com on State of Florida website. If your business is listed being a regulated business, you then must get yourself a business license from the state. You must also register your small business. Home based businesses generally register themselves as DBA (doing business as). By registering as being a DBA, you make sure that no one else uses your organization name. Instead of registering your home based business being a DBA, you could incorporate your business or form a LLC.
Professional Indemnity Insurance on the other hand is slightly different, though can often be purchased in conjunction with alternative party liability protection. Professional indemnity cover is intended to guard against other types of possible claims against your business in association with the professional services your small business provides. This kind of policy is essential in case you provide professional advice or services inside a professional capacity. The insurance is a intended to safeguard you in the event the services or advice you provide are proved to be negligent.