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" ... On the other hand, you also want to make sure you aren't overinsured or paying for insurance you don't need. For example, many of us get a lot of insurance when we first have children. When our kids go off to school or are grown, do we really need to have the same amount of insurance? Probably not. By considering these types of expenses once a year, smart business owners can get the necessary insurance coverage and maybe even save themselves money, too. ... "