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Should My Small Business Have Business Income Insurance?

For every operational business, be it a large scale or small scale business, it should have a business income insurance coverage. Insurance policies are meant to cover risks occurring to the business in case of various events and thus important for small businesses to also have the business income insurance coverage.

It is important for you to make sure business income insurance is mentioned in your business policy to ensure a continuous business income even after a loss.

It is essential to note that business income insurance works hand in hand with property policy to cover events such as vandalism, damage, fire hail among other events that are beyond your control.

Business income insurance plays a vital role in ensuring there is a replacement of lost net income as well continued payment of expenses such as advertisements, taxes, payroll and d mortgage. Also, it helps to cater for fees needed in case of temporary relocation and other expenses.

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