It is necessary to insure every expense of the business that is not truly variable in direct proportion to sales. This section of the website provides a brief commentary on 55 of the most common business expenses. No two businesses are the same, and the following must of necessity be a generalisation and should be treated as such.

While not the only aspect to consider, the amount of the expense should be looked at. That is, the cost benefit of not insuring an item should always be kept in perspective. When you consider the consequences of getting it wrong, compared to the comparatively inexpensive cost of coverage, the recommendation is that if you are in doubt, insure it.

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