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APPENDIX A: CHECKLIST FOR INSURANCE NEEDS
The points covered in this checklist are grouped under three general classes of insurance: (1) coverages that are essential for most businesses, (2) coverages that are desirable for many firms but not absolutely necessary and (3) coverages for employee benefits. Study your insurance policies with regard to the following statements and discuss questions you may have with your agent.
Essential Coverages
Four kinds of insurance are essential: fire, liability, automobile and workers' compensation. In some areas and in some kinds of business, crime insurance, discussed under Desirable Coverages, is also essential.
Are you certain that the following points have been given full consideration in your insurance program?
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This article is reprinted by permission of the SBA and The Travelers, Hartford, Connecticut.
For more information on SBA programs go to www.sba.gov
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