Despite the importance of having insurance in today's volatile risky business environment, having insurance does not literally translate into adequate applicable coverage. In other words, the business may be paying for some type of insurance; nonetheless, such coverage may not be needed, sufficient or both. Therefore, the salient inquiry is how to select business insurance reasonably adequate and applicable to the risks the business might be encountering in a foreseeable future. In this article, we explore some of the salient factors businesses should be familiar with when making a decision to select the insurance they really need.
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