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EXECUTIVE BRIEFING.(MANAGING FOR SUCCESS)

Investor's Business Daily

| March 01, 2004 | COPYRIGHT 2004 Investor's Business Daily, Inc. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan. All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

HOME-BASED BUSINESS I

Underinsured . . .

Most of America's 11 million home-based businesses are vulnerable to significant financial losses because they don't have proper insurance coverage.

When asked about the lack of insurance, nearly 40% of home-business owners said they thought they were protected by some other type of coverage, says a survey by the Independent Insurance Agents & Brokers of America. Thirty percent of the business owners said their ventures were too small to insure, and 20% could not give a reason for not having insurance.

The group says that without insurance, home-based business owners may be at risk for losses due to theft, accidental damage, natural disasters, vehicle accidents, on-the-job injuries or business visitor injuries. Homeowners insurance normally does not provide protection in those situations.

HOME-BASED BUSINESS II

And Over-Regulated

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