Your business is your livelihood. It is not just the stock market that can take down a business. Accidents happen; things you can protect yourself against!
I have Risk Management experience that can help you see potential risks and the insurance skills to help protect you against those accidents you are not willing or able to absorb.
Situation Example: As a conscientious business owner, you always make sure your store is clean. This morning, as an employee inadvertently moves the wet-floor warning sign out of the way to mop the floors, a customer unknowingly walks across the damp floors and slips. The fall affects her vertebrae and she is paralyzed. You are apologetic, but that's not enough; you know a lawsuit will follow. As this jarring situation requires you to take a more detailed look at your finances, you find out that your accountant has been embezzling from your company-writing cheques to herself. What would happen in these situations if you didn't have business insurance to protect your livelihood?