Needs To Know Before choosing just any insurance package, analyze your needs.

Despite the proliferation of "package policies,"insurance is not a one-size-fits-all issue. You need to understandwhat your risks are, how much liability you can handle, and whatyou need to cover.

Some issues to consider:

• Do you own or lease your property? As an owner, you'reresponsible for the building and its contents. As a renter, youneed to cover your equipment, supplies and inventory.