Are You Covered? Finding the right business insurance to weather any storm.

With insurance, as with so much else in life, the devil is inthe details.

If you own a house or a car, you may already have insurance thatcovers you in the event of theft or an accident. But if you own asmall business, the fine print on those policies could expose youand your assets to catastrophic losses--and even confiscatorylawsuits.

Remember Murphy's Law: What can go wrong willgo wrong, and at the worst possible moment. "Murphy is aliveand well and living in every small business," warns VirginiaBeauchamp, vice president of the National Association for theSelf-Employed (NASE) in Washington, DC. "Everybody needs tounderstand that a sole proprietor is responsible for everythingthat happens in his or her business."