You may take out several insurance policies without a second thought, but you probably hope to never have to use any of them. No matter what line of work you’re in though, the possibility of a negligence allegation, or other type of adversity is one that is always present. Unfortunate incidents can occur without any notice, and it’s near impossible to predict exactly what might go wrong. Understanding some of the common risks in your industry can be an effective way to be prepared, take a proactive approach to your risk management and safeguard your business’s financial livelihood. Here are 4 common risks we’ve seen from small businesses, and how insurance may help in each instance.