How to buy P&C insurance.(property and casualty insurance)(Brief Article)

Protect your firm with adequate coverage

It takes hard work -- more than a little skill, and tenacity -- to sustain a growing business (and probably some blood, sweat and tears, as well). Yet no matter how carefully you plan or how efficiently you operate, one accident or act of nature can set you back several years -- if you're not prepared.

That's why it's imperative that your business have adequate property and casualty insurance.

As defined by the Independent Insurance Agents of America Inc.'s (IIAA) guide to small business insurance, property insurance will cover property damage or loss, and casualty insurance (also referred to as liability insurance) will cover the cost of a lawsuit for damages caused …