With regards to the individual risk characteristics associated with your business, the broker-agent will present you with different business insurance coverage options for purchasing business insurance. A broker-agent's proposal is just that, a proposal. When all is said and done it is your responsibility to make an educated decision and choose the business insurance coverage that best fits your business insurance plan. The partnership that you develop with a broker-agent is incredibly important in this specific critical decision making process. A seasoned broker-agent has dealt with hundreds of businesses much like your own. Since business insurance can be complex, you must feel free to go over any terms, conditions, or concepts that are cloudy to you with your broker-agent. It is a broker-agent's service to answer your questions and to help you understand the business insurance coverage you are purchasing. While your business may not require all business insurance lines, it is a good idea to possess a simple understanding of the kinds of business insurance coverage available. As your business changes and grows you will have the essential knowledge to purchase insurance coverage
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