Business Insurance

I need some assistance on the following question.

Your place of business is deciding to purchase business insurance. You have been volunteered to be on a committee to help make the decision. What considerations drive your recommendation? What do you recommend? Why?

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...fund that could be used in case something happens that could take the place of insurance and thus eliminate the need to have an actual insurance policy.

For a business that is risk-prone to unlimited risk, such as a business dealing with medical, legal issues or slip-and-fall type ...