"There are millions of small businesses across the country, and for insurance agents, that potentially means a large number of customers that might be able to benefit from the kinds of plans their companies issue. However, many of these entrepreneurs might not have the firmest grasp on what kind of coverage such policies can get them, and the ways in which these can be of significant benefit to their businesses' bottom lines. As such, it may be incumbent upon insurance agents to not only try to sell coverage to these companies in particular, but also to make sure the people in charge of buying such policies are fully aware of the ways in which each type of coverage will protect their investments, according to a report from the Hutchinson News. One thing many small business owners might not be aware of, for example, is the ways in which their insurance needs will likely change as their companies grow and prosper, meaning that if they're not constantly making sure everything they have is covered, they might find themselves in a difficult position if something were to go wrong. In addition, some owners might not know that there are different types of commercial insurance, and as such could be putting themselves at risk for being hurt by one thing even though they think they're going to be covered, the report said. Therefore, it may be helpful to both companies and insurance agents alike to carefully go over the kinds of coverage that will help each business in particular to make sure their policies are robust enough to insulate them for any eventuality. The types available Again, it's often wise for insurance agents to make sure clients are fully aware of all their options, the report said. That could include highlighting the value of a number of policies, including insurance for general liability, product liability, professional liability, commercial property, and home-based businesses. The latter may be important to those companies that are just starting out, because - as the name suggests - it specifically protects companies that are being run out of their owners' houses, and may therefore be more fragile in their early years. The more insurance agents do to educate prospective or current clients, the better off they might be in terms of helping those policyholders to find the coverage that will absolutely work best for their unique financial and company needs."