(ALPHARETTA, GA) --- December 7, 2004 - The American dream of owning a business becomes a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation on a small scale. However, enterprises may be in jeopardy if they don’t have business insurance, according to local State Farm insurance agent, Harry Hudson.

Hudson advises, “Small businesses in particular need business insurance because most beginning entrepreneurs don’t have the financial resources to handle adversity if it should come.” Adversity can happen in many ways; fire can destroy your inventory, a power outage could cause your goods to spoil, or a customer could be injured accidentally while visiting your location.

Business insurance can protect you from these hazards and others. Business insurance may provide many or all of the coverages listed below:

• Accidental direct physical loss coverage for business personal property
• Broader off-premises property coverage
• Loss of income coverage
• Extra expense coverage

This list above is just a sample of what’s available. Hudson councils, “You should contact your local insurance agent to see what coverages are right for your business.”

Many entrepreneurs start their businesses on shoestring budgets and try to cut corners by keeping expenses at a minimum. But when you consider what you get, business insurance becomes a tool you can’t afford to work without.

Harry Hudson, a Forsyth resident, has represented State Farm Insurance and Financial Services for over 32 years. His office is located at 10595 Old Alabama Connector, Suite 6, Alpharetta, GA 30022. Phone 770-587-3505.