Sourced from: https://www.business.com/articles/the-7-types-of-insurance-every-small-business-needs/

. Workers work more efficiently while with an insurance cover because they feel more protected.With a medical cover it ensures that each employee is fit to work.The employees willbe free to bring in new ideas and take necessary risks where applicable.

Small Business Insurance Basics

Insurers often combine a number of insurance coverages into a package that is sold as a single contract.

Sourced from: http://www.iii.org/article/small-business-insurance-basics