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비지니스 보험이란?
Business insurance is a risk management tool that enables businesses to transfer the risk of a loss to an insurance company. By paying a relatively small premium to the insurance company, the business can protect itself against the possibility of sustaining a much larger financial loss. All businesses need to insure against risks?such as fire, theft, natural disaster, legal liability, automobile accidents, and the death or disability of key employees?but it is especially important for small businesses. Oftentimes, the life savings of the small business owner are tied up in the company, so the owner must take steps to protect his or her family from the financial consequences of events that could disrupt operations, reduce profits, or even cause the business to go bankrupt. Insurance can help a small business be successful by reducing the uncertainties under which it operates. It places the economic burden of risk elsewhere so that managers can focus their attention on running the business. In addition, the premiums paid for many types of insurance are considered tax deductible business expenses.

Many large corporations employ a full-time risk management expert to identify and develop strategies to deal with the risks faced by the firm, but small business owners usually must take responsibility for risk management themselves. Though it is possible to avoid, reduce, or assume some risks, very few companies can afford to protect themselves fully without purchasing insurance. Yet many small businesses are either underinsured or uninsured.

Small business owners seeking insurance protection should first identify their company's main areas of exposure to risk. A risk analysis survey or questionnaire, available through many insurance companies and agents, can be a useful tool in this process. Next, the business owner can evaluate the probability of each risk and determine the potential severity of the loss associated with it. Armed with this information, the owner can decide which risks to insure against and the amount of coverage needed. According to the Small Business Administration, the most common types of risks encountered by small businesses involve: property losses; legal liability for property, products, or services; the injury, illness, disability, or death of key employees; and the interruption of business operations and income due to the occurrence of these other losses. Each category of loss can be managed with a corresponding type of insurance.




보험금액이 오르지 않기위한 우리의 노력
- 사고나 ticket을 받지 않도록 조심하여야 하지만 일단 Ticket등의 받으면 기록에 남지 않도록 안전교육이라던지, Probation등을 이용하여 보험료가 오를 수 있는 사항을 줄이셔야 합니다.

보험금액이 오르지 않기위한 우리의 노력 2
- 보험기록유지도 보험료가 많이 지불되지 않도록 할 수 있는 조건이므로 항상 보험이 중간이 중단되는 일이 없도록 신경쓰셔여 합니다.