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Some small business owners look on insurance as if it were a sort of tax. They recognize it as necessary but consider it a burdensome expense that should be kept at a minimum. Is this view justified? Not if you take a more conservative approach. Used correctly, insurance can contribute a great deal to your success by reducing the uncertainties under which you operate. It can reduce employee turnover, improve your credit rating at the bank, make it easier to sell customers on favorable terms and help your business continue in case an insured peril interrupts operations. The potential benefits of good insurance management make it well worth your study and attention.

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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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