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  Many businesses are either underinsured or over insured. Talking with an insurance representative can help clarify what kind and how much insurance is needed. A good business insurance representative will present several different scenarios for a business that might require insurance protection. Doing a risk analysis of assets and liabilities will also help in deciding which are important enough to be insured, or which might cost too much money if they were to remain uninsured. When doing a risk analysis of the business, think about all aspects, including property, building, equipment, and even personnel. Businesses need to determine where they are vulnerable. Make sure to insure the property, including the building where the business is run, and all the contents of the building. Business Insurance Tips One good tip is to always insure equipment, not only for the value of the equipment, but against employee theft. Always take into consideration that three other types of insurance are