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Insurance is the most important factor when you are planning to set up any new bonuses, whether it is small or big. Here are a few must have insurance for every business.

1. Property Insurance: Protects your business property from fire, theft, smoke, damage etc.

2. Worker’s Compensation Insurance: Covers employees who are injured during their job.

3. General Liability Insurance: If you, your employees, your products get damaged by third party all cases are covered under this type of insurance.

Other than these there are other insurance types such as renter's insurance, data security insurance, management liability insurance, etc.