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Business insurance is very important to businesses because it is structured as a risk management instrument that can enable a business transfer its risks to an insurance company. Through business insurance, the business will not find a way to suffer certain losses because these will be covered by an insurance company. By paying small premiums to insurance companies, businesses can protect themselves against the prospects of sustaining a huge financial loss. There are many risks businesses should insureagainst, and some of included in this are disability or death of a key employee(s), automobile accidents, legal liability, natural disaster, theft and fire among other risks.

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