Insurance basics

Business insurance is easy to put off — nothing feels urgent about it until something goes wrong, and by then it's too late to buy coverage for what already happened. Insurance Basics for Small Business Owners clears up the confusing vocabulary — general liability, professional liability, property, cyber, workers' comp — so you understand what's actually being discussed before you ever talk to a broker.

This book won't tell you how much coverage to buy or whether a specific policy is worth it for your business — that's a real risk assessment specific to your situation, and it belongs with a licensed broker, not a general guide. What it will do is make sure you walk into that conversation already understanding the landscape.

Inside, you'll learn how to:

• Understand why postponing insurance is riskier than it feels

• Know what general liability actually covers

• Understand professional liability and why it's a different category entirely

• Recognize property, cyber, and other coverage types worth knowing about

• Prepare for the “how much coverage” conversation instead of guessing

• Work with a broker efficiently, without overpaying or leaving gaps

Part of the Business Basics That Work series: practical, no-fluff guides for freelancers, local shop owners, and small business owners who'd rather get it done than read a textbook.