Insurance Advisory Site Launched for Small Businesses

The Insurance Information Institute announced a new Web site April 4 that will help the owners of small businesses insure them sufficiently. The site, www.iii.org/smallbusiness, is meant for the 7 million small businesses in the United States. They vary in size and sophistication but have two things in common, I.I.I. says: Without the right insurance coverage, each could be wiped out by a disaster or a lawsuit, and almost all are accountable for the safety of their workers and bear responsibility for injuries suffered on the job.

The site has information on coverages businesses should consider, risk management and loss control, workers' compensation, business auto insurance, and more. Also posted are materials about insurance for specific businesses, including construction, e-commerce, farm/ranch, food service, home-based businesses, real estate, and more.

"Insuring Your Business is a comprehensive information resource for small and medium-sized businesses that can help strengthen a businesses insurance program by identifying business risk," said Loretta Worters, vice president of the institute. "A business that is indifferent to loss control may have a higher than average number of insurance claims. A really poor loss history can make it difficult to find insurance. Conversely, businesses that actively manage risks, and thereby control losses, will have fewer claims and will often see those efforts rewarded with lower insurance premiums. Purchasing the right amount and the right type of insurance coverage is critical to long-term business success."

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