Business Insurance

Make sure you, your business and your employees are protected with proper insurance coverage. Only you, the business owner can decide what coverage is adequate. As a business owner, consider your willingness to risk losses as well as your ability to write off any losses. It is best to discuss your needs and consider recommendations with a licensed insurance agent.

Types of Insurance You May Wish to Consider
	Business Interruption			Workers' Compensation
	Crime			Professional
	Product Related			Equipment
	Directors and Officers			Inventory
	Auto			Loss of Income
	Property			Umbrella Policy
	Liability

To learn more about assessing insurance needs for your business, the Small Business Administration (SBA) provides a useful publication which can be viewed online entitled "Small Business Insurance & Risk Management Guide - MP28".

The SBA Online Women's Business Center provides articles on choosing insurance coverage through their web site at www.onlinewbc.gov.
To find these articles go to the Business Basics section and click on Finance Center. Scroll down to Insurance. Listed below are some of the organizations that offer group insurance for small businesses contact:

	Connecticut Small Business Federation Farmington Insurance Service Center  Call 1-800-527-5504 or
	860-677-2000
	Connecticut Business & Industry Association (CBIA) Call 860-244-1900
	National Association for the Self Employed (Non-Profit) Call 1-800-865-9719 or 203-754-5073
	Local Chambers help local businesses work to protect and promote their interests. Call 1-800-392-2122
	for your local chamber.
	Manufacturing Alliance of Connecticut (MAC) provides employee benefit services for Blue Cross/ Blue
	Shield Health, plus an array of other health plan benefits.  Call 203-596-1900