- Contact your insurance provider as soon as an incident occurs. Provide all necessary documentation and details to support your claim, and follow up regularly to ensure a smooth process. ... 
- If your business handles customer data, cyber liability insurance is essential to protect against data breaches and cyberattacks. 
- Professional liability insurance covers claims related to errors in your work, such as mistakes in printed materials, missed deadlines, and client dissatisfaction. 
- Bundling policies, maintaining a safe work environment, and choosing higher deductibles can help lower insurance premiums. 
- Most states require workers’ compensation insurance for businesses with employees. General liability insurance is also highly recommended to protect against common risks. 



