Do Small Businesses Need General Liability Insurance?

[Suba1]

As a small business owner, I often read insurance articles, and lately I have been interested in one type of insurance called General liability insurance or known as Business liability insurance, in my opinion the GLI insurance type is very complete to cover yourself, employees and property damage, besides that GLI also covers claims from third parties. But I think the premium costs that must be paid every month are very high, so that business profits will not be able to cover premium costs that will cause losses to the business, what do you think.