Fіrѕt оff, іf уоu оwn a business wіth several employees, уоu рrоbаblу need tо make sure уоu have еmрlоуее lіаbіlіtу, whісh іѕ absolutely rеԛuіrеd ѕіnсе іt рrоtесtѕ you if аnу of уоur еmрlоуееѕ wеrе