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Some small business owners view insurance as if it were some form of tax. They recognize that it is necessary but consider it burdensome. However, if used correctly, insurance can contribute to the overall success of your business by reducing the uncertainties under which you operate. It can also reduce employee turnover, improve your credit at the bank, make it easier to sell to customers on favorable terms and help keep your small business going in case an insured peril interrupts your normal business operations. It is sensible for any business to purchase a number of basic types of insurance. The importance of good insurance management is too important to overlook. Therefore, it is essential that you discuss your insurance needs with an agent of your choice as early as possible.

	Fire Insurance
	Liability Insurance
	Automobile Insurance
	Workers Compensation
	Business Interruption Insurance
	Crime Insurance
	Glass Insurance
	Rent Insurance
	Employee Benefit Coverage
	Aviation Insurance
	Group Life Insurance
	Business Life Insurance
	Group Health Insurance
	Disability Insurance
	Retirement Insurance
	Key Man Insurance
	Marine and/or Inland Marine
	Boiler and Machinery
	Flood Insurance

Insurance matters are addressed in two SBA publications: MP-20- "Insurance Options for Business Continuation Planning", and MP-28- Small Business Insurance and Risk Management Guide". Both of these are available on-line at the SBA Library site.

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