TABLE OF CONTENTS

INTRODUCTION

RISK AND THE SMALL BUSINESS

WHAT IS RISK MANAGEMENT?

EXPOSURES TO LOSS
   Property Losses
   Business Interruption Losses
   Liability Losses
   Public Liability
   Key Person Losses

SMALL GROUP BENEFITS

LOSS EXPOSURES AND RISK MANAGEMENT
   Limiting Exposure to Loss
   The Role of the Insurance Professional

INSURANCE CHECKLIST FOR SMALL BUSINESSES

ORGANIZING YOUR INSURANCE PROGRAM
   Recognize the Risks
   Study Insurance Costs
   Have a Risk Management Plan
   Get Professional Advice

SUMMARY

APPENDIXES
   A. Checklist for Insurance Needs
   B. Glossary of Insurance Terms
   C. Information Resources