A business needs to protect itself against employee accidents
. One mishap could haunt businesses without insurance for years. If a claim is serious enough, without insurance, long-term consequences could cause the business to ultimately fail. Employee theft, from a customer or the company, is another big risk needing insurance protection. All companies wish to have trustworthy employees. Unfortunately, it does not always work out that way. Insurance coverage offers businesses protection against the unforeseen. No business can take the chance to take the chance of an uncovered incident happening without insurance. Every company has its own unique risk factors.