Small business insurance covers property, liability, commercial auto, workers' compensation, health, disability, and life insurance tailored to business needs. Business Owner’s Policies (BOP) bundle key coverages but exclude some risks. Liability insurance protects against bodily injury, property damage, and legal claims. Group health plans vary by type and cost. Key person life insurance safeguards critical staff. Workers' compensation is often legally required. Proper coverage and risk management are essential.
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