Your business represents a considerable investment of your ideas, time, and money. In today's operating and legal environment your business faces a diversity of risks e.g., assets damage, larceny, personal injury claims, and natural disasters. Therefore most business owners would want to safe guard their investment. Your Business is also liable to a number of 3rd parties in the event of an accidents including (and based on the nature of the business), false advertising, discrimination, professional malpractice, harassment, etc.-more reasons for this type of general insurance.