Some small-business owners stick to the most necessary insurance coverage in order to save money, but the recent hurricane and earthquake that hit the East Coast have highlighted the possible need for additional coverage. When shopping for insurance, consider where your business is located and how likely it is to be damaged, and be aware that you might need separate coverage for certain types disasters. Earthquakes and floods are not covered by standard business owners' insurance, so they need their own policies. Interruptions to your business are often covered by business owners' policies, but check to make sure.
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