All businesses, irrespective of their size, encounter risk within their daily operations. These risks come in different shapes and sizes and from many different directions, each of them putting the business, and its owners, in varying degrees of danger. Nearly all business risks can be easily offset with the use of insurance. The products used are sometime very simple and there to satisfy statutory Government or regulatory requirements, whereas others are more intricate and used give the business a competitive edge, to attract and retain top talent, give an added value to shareholders and lots, lots more.