Business insurance refers to a wide range of insurance coverage that can help compensate for losses incurred by a business or its employees. Typically, a business insurance policy protects the building and contents against fire, damage and theft. It also includes liability insurance and coverage for lost income due to business interruption.

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Every business is unique. Therefore, it's a good idea to meet with your insurance agent to determine your insurance requirements based on the type of business you are starting. Your agent can help you assess your specific risks and suggest which policies and optional coverages you should consider.

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Buying insurance is one way to deal with risk. However, taking the time to identify and implement loss prevention strategies is also important, since these measures will help counteract certain risks. For example, installing a security system and moving to a location less susceptible to crime will help reduce the chance of theft.

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The loss of a key person can have a particularly harmful effect on small to medium-sized businesses where it is often difficult to replace a key employee. Often that employee has special talents or knowledge essential to the operation and success of the business.

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