This book explains and analyzes the commercial insurance marketplace for owners and managers of businesses that need coverage. With recent changes in the way the insurance industry sells coverage, small businesses have been left alone to answer questions about what coverages to buy or avoid. This book helps owners and managers decide what kind of business insurance they need and how to buy it cost-effectively. It also explains how to deal with insurance companies to assure coverage. Specific chapters include: commercial property, business interruption, boiler and machine, workers’ comp, criminal law, product liability, directors and officers liability and surety bonds. With worksheets, sample letters and sample forms, this book helps business people manage insurance actively, from getting quotes to making claims.