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A new Web site sponsored by the Insurance Information Institute in New York is offering tips to help small and medium-sized businesses understand their insurance needs, I.I.I. said.

With over seven million small businesses in the U.S., ranging from construction firms to grocery stores to home-based businesses, each one faces the possibility of being wiped out by either a disaster or a lawsuit, said Loretta Worters, I.I.I. vice president.

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