Entrepreneur: Death, taxes ... insurance?

If you're a business owner, you can add one thing to the death and taxes list: dealing with insurance. You'll find thousands of options, coverage levels and price points. You could literally acquire so much coverage that you eat up your entire profit margin, or you could have so little that you put your business at risk for any accident or tragedy shutting it down forever. So where's the balance? It's a question as old as the industry itself. It requires considering a multitude of variables, from…