Why Buy Insurance
A basic principle of risk management is not to buy insurance to cover losses which have predictable frequency and which are within your funding capabilities, but rather to protect from a catastrophic loss. You need to protect against the unforeseen loss that would cause financial harm. The purchase of insurance should be made for two reasons:
1. Protect your Assets	2. Protect your Income
Professional Liability Coverage Office Package Workers' Compensation Employment Practice Liability Automobile Homeowners Umbrella Liability Long-Term Care	Major Medical Insurance Life Insurance Disabilty Income Protection Business Overhead Expense