Small business · Technology · Liability
A new internet tool does not come with a liability policy
Web 3.0 is a label for wallets, shared records, and contracts that run when a condition is met. It is not a business model and it is not investment advice. For a small firm the insurance question is the old one: which policy pays which kind of loss. General liability pays bodily injury and property damage you cause. It does not pay a drained wallet, a ransomware lockout, or advice a client says was wrong.
Treat a wallet, a vendor, and a token the way you treat any other tool. Who holds the keys, what the contract says if the code fails, and whether you are selling a product or giving advice. Those facts decide the policy. They do not create a return. This page does not invent token gains or a “guaranteed” upside. Markets that are marketed that way are a scam risk, and a scam is not a covered peril because you called it a technology bet.
If a vehicle delivers the work, personal auto still does not cover hauling for hire. That is commercial auto. If a client asks for proof, a certificate of insurance shows what is in force. It does not add a coverage the policy does not have.
Where the business policy starts: business insurance and small business insurance in Tennessee. Why the firm needs its own contract: why small businesses need coverage. Proof for a client: certificate of insurance. General liability next to professional liability: general liability and professional liability. The building and the truck, which are still not the website: Texas commercial property, Texas commercial auto, and commercial auto.
