Protection against financial loss due to different circumstances that include, but are not limited to litigation, medical, property damage or theft, and an array of other scenarios.

Anyone who provides a product or service for which they receive compensation is at risk to the potential losses mentioned in the previous question.

It is advised that any "business" whether for profit or nonprofit have insurance to protect themselves from the risks of dealing with the public. i.e. churches, civic clubs, ministries, municipalities, etc.

Yes, your personal insurance policies are not designed to protect you from a business exposure and often times exclude coverage from business pursuits.

Premiums are determined by different rating factors based on the type of business. Some rating factors used are annual payroll, annual sales, building area, as well as some others.

All businesses should have at least general liability coverage but, it is best to seek the help of a licensed agent to help you build a protection plan that best fits your needs to your budget.