If you need business insurance you’re probably confused about all the types of insurance you’re hearing about.

There are many things business owners worry about each day, and employee injuries are at the top of that list. Even in the safest of workplaces, an employee can get injured very easily. You can make yourself crazy trying to create the best environment for your employees, but unfortunately, you can’t prevent every claim (i.e. slips and falls or car accidents).

You think you are doing everything in your power to protect your business from the unexpected. Otherwise, you wouldn’t be able to sleep at night, right?

So you have general liability insurance, professional liability insurance, worker’s compensation insurance, commercial auto, commercial umbrella, cyber insurance and more -- you think you are all set with a comprehensive business insurance policy.

Did you know, between 36-56% of small businesses are involved in some type of litigation every year? And of those, 25% of judgments cost those businesses an average $500,000 or more? For most small businesses, a $500,000 expense is a huge financial detriment, and could even mean the end of the business.

If you’re a business owner, it can sometimes feel like you’re drowning in your insurance policies. I mean, why the heck are there so many types of insurance in the first place? How do you know which policies you actually need and which ones might not be worth your money?