您已經保了商業保險嗎？如果沒有，你並不孤單。 Manta和Insureon最近的一項調查發現，不到三分之一的企業家保了基本商業保險，基本商業保險則涵蓋了商業責任保險和商業財產保險。
Do you have insurance for your small business? If not, you're not alone. A recent survey by Manta and Insureon found that fewer than three in 10 small business owners have a business owner’s policy, the basic business insurance that covers general liability insurance and commercial property insurance to protect you from loss.
甚至少於21％的企業家有買專業責任險（E＆O）或職業責任保險、少於17％的企業家有買有勞工保險、6％有買商業中斷保險，也只有2％的企業家有買網絡保險。
Even fewer (21%) have Errors & Omissions (E&O) or professional liability insurance, 17% have workers compensation insurance, 6% have business interruption insurance, and only 2% have cyber insurance.
當然，當您剛開辦一家小企業時，即使你的業務順利增長，但除了商業保險之外，還有許多其他支出的需求，對於許多小企業家來說，購買保險似乎是不必要的奢侈品，他們寧願冒險，也不用願意每月或是每年支付保費。
Of course, when you're starting a small business—and even as your business grows—there are plenty of other urgent needs competing for your dollars besides business insurance. For many small business owners, purchasing insurance can seem like an unnecessary luxury. They'd rather roll the dice and hope nothing bad ever happens to their business than commit to monthly or annual premiums.
文章來源 Source: https://www.forbes.com/sites/allbusiness/2018/12/06/business-insurance-safety-net-your-small-business-needs/#7954fda319f8#7954fda319f8
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