Small Business Insurance Primer
It can be difficult to determine which kind of insurance you need for your small business. Different types of insurance have confusingly similar names; your state, town, or county may have its own insurance requirements; and many industries have coverage specific to them.

Insurance is one of the most neglected small business responsibilities. Not having the appropriate insurance for your small business is a mistake because a disaster can shut down your company permanently, or at least wreak havoc on your assets.

The Insurance Information Institute (III) in New York City estimates that about 40 percent of small business owners have no insurance at all, because many falsely believe they can't afford coverage. The truth is a small business can't afford not to have adequate insurance. Without insurance, you're unnecessarily putting your livelihood at risk. That's also why many landlords, suppliers, and other entities you work with will probably require you to have coverage.

If you're having difficulty determining which kind of insurance your business should have, you might want to check with the following agencies:

The county or city clerk
A local chapter of your industry association
The state insurance office
Below are some of the different types of insurance small businesses use. Click on the type of insurance to get a more detailed description.

Insurance for Your Business

Business Owner's Policy
General Liability Insurance
Property Insurance
Professional Liability (Errors & Omissions) Insurance
Commercial Automobile Insurance
Umbrella Insurance
Business Income/Extra Expense Insurance
Product Liability Insurance
Extra Equipment Insurance
Specialized Equipment Insurance

Insurance for You and Your Employees

Health Insurance
Disability Insurance
Life Insurance
Keyman Insurance
Workers' Compensation Insurance

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Insurance Company

I personally small business should not go for insurance, abhorrent interest rate seem to be very big deterrents.

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Regards
Anuj

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