Small to medium sized businesses rarely recognize the benefits of having coverage and protection from many factors that can lead to the failure of a business. This becomes evident only when a major event/failure that results in instability and disarray within the organization results from unforeseen events even leading to closure and bankruptcy. That is what business insurance is for, to shift the tides for it gives you enough leverage to salvage the company in the event of a failure or collapse. That coverage can also protect you and your family from the stress and pain that can result from a failed business which as we all know you do take home with you. Idealists say that you have to leave work at the workplace but Realists know better.