As home owners, renters, and drivers, most of us know a thing or two about insurance. Mostly, we know it's something we ought to have. And we know it's not cheap. Insurance is one of those costs we often don't think about, but notice at the end of the month when writing a check or seeing an automatic withdraw from our account.

As a business owner, there's a lot more you need to know about insurance.

Even the smallest of businesses have a number of insurance considerations - office equipment, production tools, inventory, vehicular use, bonds, etc. There's a lot to consider. And we haven't even gotten to the subject of employees and the 31 flavors of liability.

The bottom-line is as a business owner you need insurance. And if operating from your home, you may be surprised what your homeowner's insurance will and will not cover.

While not even close to being in a position to give you insurance advice, I feel supremely confident I can give this tidbit: talk to you insurance agent about your business, describe its operations in detail, and make sure you have the coverage necessary to protect your business, customers, and loved ones.

Here's a small business insurance primer from Entrprenuer.com to get you thinking.

Any tips to share with others on insuring the small business?