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    ost business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't re
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    For many small business owners the cost of business insurance is a major expense that they wish they could do without. Many small businesses decide to self-insure; that is, they deal with sudden and unexpected costs from insurable accidents out of their own pockets. They don’t buy a commercial insurance policy to cover such risks.

    This is quite understandable given that insurance premiums have risen considerably in recent years. But, Business owners that don't cover themselves with a commercial insurance policy are taking a bigger risk then they can imagine.

    Sure, most business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't re

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    e to self-insure; that is, they deal with sudden and unexpected costs from insurable accidents out of their own pockets. They don’t buy a commercial insurance policy to cover such risks.

    This is quite understandable given that insurance premiums have risen considerably in recent years. But, Business owners that don't cover themselves with a commercial insurance policy are taking a bigger risk then they can imagine.

    Sure, most business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't re

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    This is quite understandable given that insurance premiums have risen considerably in recent years. But, Business owners that don't cover themselves with a commercial insurance policy are taking a bigger risk then they can imagine.

    Sure, most business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't re

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    But, Business owners that don't cover themselves with a commercial insurance policy are taking a bigger risk then they can imagine.

    Sure, most business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't re

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    ost business owners can cover small and common risks out of their own pockets. A broken window. A small robbery. Stolen merchandise. They don't realize that claims can be much much bigger than this and are not prepared for them if they self-insure.

    Here are just a few short examples of risks that businesses face that could be devastating:

    • Liability: Do you think that nobody will ever sue you just because you are a "nice guy?" Think again. The U.S. population has become increasingly litigious, even with frivolous claims. A lot of people won't think twice about sueing you if the opportunity arises. Claims can result in millions of dollars in damages being awarded. A claim could result from someone s

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