Protect Yourself

     Having insurance is important for a few reasons that all revolve around protecting you and your business.  It's good to have insurance on yourself to assure that your business doesn't die and your family is taken care of should something unfortunate happen to you.  You should also insure principle people in your company that may cause a major disruption in business if something were to happen to them.
     Also you have to recognize that you are now living in a "sue happy" world and if you are conducting ANY ACTIVITY (business or personal) where you're business logo is displayed then that puts a target on your back.  Or if you are participating in any activity where you are being perceived as acting on behalf of your business then your business could be a target of a law suit.  Meaning if you are off work and you get in your car to go from your home to the store and you get in an accident on the way there or back and you have a logo (of any size) anywhere on your car then the other person has the right to sue your business. 
     A lot of industries require some type of industry related or malpractice insurance.  But it is also important to insure essential equipment of your business.  If an equipment failure would be catastrophic for your business then you need to know that you can be compensated for at least some of your lost revenue should that happen.  You should also have insurance on the building you operate out of also for both liability and damage purposes.

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