Insurance isn’t typically top priority for a small business owner. Since accidents can and do happen it’s better to be prepared than sorry.

Here is a list of different insurance options that a small business owner may need:

• Health insurance is one of the most important insurance options of all, covering your general health and well-being.

• Disability insurance will guarantee income should you suddenly become unable to work because of injury or illness.

• Life insurance will help ensure that your family has the money it needs should you meet with an untimely death.

• Business property insurance helps protect you against loss of inventory or equipment in a flood, fire, or other disaster.

• Comprehensive general liability insurance protects you if someone is injured while on your property.

• Business interruption insurance will help your business recover from natural disasters by paying for operating expenses during downtime.

• Workers’ compensation insurance covers any medical expenses arising from injuries employees sustain while working for you.

Related Resources:
• About.com - Small Business Insurance
• Insure.com - Small Business Liability Tool
• MyOwnBusiness.org - Insurance For Small Business

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