As a small business agreement you may have in place to increase your general liability insurance, is that of a non-compete agreement with your employees. Below are some basic principles related to these agreements. The laws relating to these agreements vary by state. The general rule is that you can not prevent former employees from making a livelihood. Usually the contractual liability provision in your general liability policy portfolio will affect the contractual relationship between owners and their employees. Court cases arising from these contractual liability exposure best handled by a carefully designed employee manual labor by a competent lawyer. Trying to divide the insurance for a poorly written manual worker found supplement is usually an exercise in futility. A few important factors to consider drafting an employee handbook with your lawyer should be: * What is the worst case scenario in damages if the employee had to leave * consider the money to pay the worker his privacy in this agreement * signed by the * Workers on intellectual property contracts * are manufacturer and / or sales people more signed agreements The agreements, signed the better. After passwords and strict client-restrictive policies in place can help protect your intellectual property. An insurance that must be considered in the light of these negotiations would be employed for the entrepreneur to have a policy in place called "employee dishonesty policy. While the employee handbook will protect you in court with an employee dishonesty policy in place could provide the needed cash flow from losses.