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201 GREAT IDEAS for Your SMALL BUSINESS, Third Edition by Jane Applegate

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GREAT 47 IDEA: Find a Good Independent Insurance Broker

Your insurance broker should be “part of your financial inner circle,” according to Richard Butwin, copresident and CEO of the Butwin Insurance Group in Great Neck, New York.

Meeting with a savvy insurance broker at least once a year can protect you and your business from disaster. Business-related insurance is not a luxury—it is a necessity, especially if you interact with the public, which most businesses do, either online or in person.

“During the meeting, you should describe your business, ask questions, and then let the broker design an insurance program,” said Butwin.

Most small companies are underinsured, which can be a big mistake. Have you heard of employment practices liability ...

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