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>	Keeping Health Insurance Costs in Check
>	A Small Business Insurance Primer

>	Find the Right Small Business Insurance

Evaluate Your Insurance Needs

Picking the right kind of insurance is one of the most difficult tasks a small business owner faces. You will need to choose from hundreds of different classes of liability offered by the insurance industry, while selecting policies that fit your budget.

To make this process easier, answer the ten questions below to get an idea of your general insurance needs. You will receive a basic business insurance profile and suggestions based on your responses. Remember that optimal coverage will depend on a number of variables, including your line of work, the size of your business, and your location. Be sure to discuss these factors with your insurance provider.

1.	Do you rent or own the commercial building where your business is located? own rent my business is home-based
2.	How large is your business? 50 or fewer employees more than 50 employees
3.	Could your business quickly resume operations if a fire, flood, or other disaster destroyed your office? yes no
4.	Does your business produce or provide a product (something that can be tangibly used or consumed)? yes no
5.	Do you sell a service or offer some kind of professional consulting? yes no
6.	Do you have employees (full-time or part-time)? yes no
7.	Do you regularly hire temporary employees or use the services of independent contractors? yes no
8.	Do any of your employees regularly handle large amounts of cash (i.e. cashiers, tellers, accountants)? yes no
9.	Does your company own or lease any vehicles or do your employees drive their own cars in the course of their employment? yes no
10.	Are you a trustee of any employee benefit plans, such as a pension plan or 401(k)? yes no

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