Dear M & M: I am starting a business and people keep asking me do you have insurance? What kind of insurance do I need to run a business? — Jan

Dear Jan: Many times, a landlord, lender or the profession you are in dictates what kinds of insurance you need to protect yourself from. There are many kinds of insurances one must look into; general liability, product liability, professional liability, commercial property, home based and workman’s compensation are just a few.

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