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Car insurance is mandatory in most parts of the USA. Coverage costs drivers billions of dollars a year – and is a very competitive market. The competition in the market means that insurance companies offer deals and discounts to win business. Coverage can be very expensive but, depending on the liability you need to plan for, there are plenty of ways to reduce the price of your insurance premiums.

Most people assume that using an insurance broker doesn't benefit them and they are better off buying direct. This is not the case when using an insurance broker – you can save money AND get the insurance that you want for your company or group. Some people feel that an insurance broker is a middle man and that by cutting the middle man out they will reap the savings. When it comes to meeting your insurance needs you will find this to be far from the truth.

In our last article we took a beginning look at business insurance needs as far as the cover your employees. This time we will look more in-depth at business insurance and how it covers your business. Just as you may have noticed with employee benefits, when insuring your business itself you will have an amazing number of choices to consider. One question should be fairly easy though. Should you insure? Keep in mind that business insurance helps offset risk. In other words if or when an issue pops up and risk becomes real your business will have the protection it needs.

Have you ever stood in front of the cereal aisle at the grocery store staring at the huge variety of options only to find yourself suffering from paralysis by analysis? If so, then you have a very good feel for what shopping for business insurance can be like. It is simply amazing how many business owners have approached me here in Charlotte NC wanting to know exactly how to choose the perfect business insurance coverage for their needs. Many of these business owners have been stumped by the nearly unimaginable number of options available many of which they simply didn't want or need.