Start with the basics
Most small businesses begin with general liability and property coverage. These protect against the claims and losses that come up most often.
Size each policy to your risk
Coverage limits should reflect the work you do and the contracts you sign. Too little leaves a gap; too much raises your premium without added value.
Review coverage yearly
As your business grows, your exposure changes. An annual review keeps your policies aligned with where the business is today, not where it started.
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