The Real Cost of Running an Unprotected Business
It's easy to push insurance to the bottom of the to-do list. But the data reveals a dangerous reality for unprotected small businesses.
Of small businesses will file a liability claim in their first 10 years.
Of small business owners admit they feel unprepared for sudden risks.
What Happens Without Insurance?
Three common scenarios that bankrupt unprotected businesses.
Scenario 1: The Client Lawsuit
A client claims your consulting advice caused them financial harm. They sue for $75,000.
Defending even a frivolous lawsuit costs $2,000–$5,000 in legal fees just to get it dismissed.
Scenario 2: The Premises Accident
A client slips on a wet floor in your office and suffers a severe injury.
Average commercial slip-and-fall settlements can reach over $1,000,000.
Scenario 3: The Cyber Attack
Your systems are breached, exposing sensitive client data or payment information.
75% of businesses have heightened cyber exposure, yet 39% wrongly believe they're too small to be a target.
The Two Dangerous Gaps
1. The Misconception About Cost
Most owners overestimate what insurance costs. The truth is highly affordable.
- General Liability Average:~$45 / month
- Business Owner's Policy (BOP):~$83 / month
2. The Confidence Gap
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