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Every year, thousands of ambitious people start businesses. This represents a great opportunity for you, their brokers, to offer new insurance products to cover previously unnoticed or uncovered risk. Business owners know they must buy standard property insurance to protect against certain operational risks (e.g., fire, storm, theft). Depending on their business location, they may even need flood or earthquake insurance. Operational risk coverage like this is pretty standard; we all understand that unplanned losses are a very real possibility over a business’ lifetime.

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