--- title: "Business Insurance Reality Check: Is Your Business Vulnerable?" description: Tips for assessing business risk and the need for business insurance. Commercial insurance experts for Reading, Philadelphia, Allentown, Lancaster. image: https://www.aigltd.com/hs-fs/file-51566970-jpg/images/business-insurance-questions-250.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## Business Insurance Reality Check: Is Your Business Vulnerable? Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Wed, Sep 25, 2013 - [Tweet](https://twitter.com/share) ## **![Business Insurance questions to ask to determine risk and insurance coverage. Serving Reading PA, Berks County, Philadelphia, Harrisburg, Lancaster, Allentown, Pittsburgh, Erie, Pennsylvania and beyond with quality commercial insurance.](https://www.aigltd.com/hs-fs/file-51566970-jpg/images/business-insurance-questions-250.jpg)Too Busy to Assess Your Risk?** Many small business owners are so busy these days that they have little time to slow down and properly analyze their risks and business insurance needs.  And it’s no wonder. Small businesses from Reading PA in Berks County, to Philadelphia, Allentown, Lancaster, and all across the nation drive a significant portion of the country’s economic growth. However, they tend to be lean, which means the typical small business owner is wearing many hats and putting in long hours. Many are too busy to take the time to properly analyze risks, and to obtain adequate insurance protection to address the risks of their growing businesses. ### **Just How Big Can a Small Business Be?** Statistics available from the US Small Business Administration ([www.sba.gov](http://www.sba.gov)) indicate that small businesses employ more private sector personnel than mid-sized and large businesses combined.  In the US, small businesses are generally defined as manufacturing businesses with less than 250 employees, and non-manufacturing companies with under $7 million in annual receipts. ### **Engines of Economic Growth**  Small businesses are the engines of private sector economic growth, creating approximately 2/3 of new non-government jobs while generating over 40% of the private payroll in the US. Small businesses account for a similar proportion of total US high-tech jobs as well. ## **Questions Small Business Owners Must Ask to Determine Risk and the Right Level of Business Insurance Protection** Regardless of how busy you may be, busyness is no excuse for ignoring risks that could sink your business.  Here is a brief list of questions every business owner should answer as a first step in assessing risk and the need for stronger insurance protection: - **Disability Insurance:** Who will run my business if I become disabled permanently or for an extended period? Will my company have the financial resources to pull through this type of crisis? - **Life Insurance:** If I die will my business survive? Will my employees all lose their jobs? Will my family be able to keep our house and maintain a good lifestyle? - **Key Person Insurance:** What if a person who is vital to my business dies or becomes permanently disabled? Will my business have the financial resources to survive until a new person can be found, hired and fully trained, or will it set me back several years? - **Workers Compensation Insurance:** Are my employees properly classified for workers compensation insurance? Could my business survive a workers compensation insurance audit without undergoing major penalties for misclassifying employees? Is my workers compensation insurance coverage fully up to date to reflect my changing business needs and the expanded types of positions my employees currently hold? - **Property Insurance and Business Interruption Insurance:** Are my buildings, equipment, and other business property insured against the full range of potential risks? In the event of a claim that disrupts my cash flow for a prolonged period, will I receive compensation for the loss of income during that time, or merely for the cost of the damage to my business property? - **Professional Liability Insurance:** Am I covered if an employee were to cause harm to a customer or to their business, and a court found it to be due to negligence? How vulnerable is my business to various types of lawsuits?   ## **Be Smart – Be Informed on Business Insurance** Our staff can properly address these and other business insurance questions. We’re a Trusted Choice independent insurance agency. That means we offer a range of business insurance plans from competing insurance companies. We’re well positioned to find the right business insurance coverage at a significant savings. Contact us today at ***610-775-3848***, or click to ***[Contact Us](https://www.aigltd.com/contact/)*** online. 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