The Kansas City Business Journal features local business news about Kansas City. We also provide tools to help businesses grow, network and hire. The most accurate way to determine insurance costs is to get a quote from a trusted provider. Some insurance providers specialize in small business insurance, which helps reduce costs. According to a recent US small business study, you can expect to pay (on average): General Liability: $65/month. Business Owner’s Policy: $99/month.Remington, Sports Afield and Sanctuary Safes - SA Consumer Products is the industry leading manufacturer of secure storage products in the US and Canada.Grocery Store, Supermarket. 108 W Grand Ave. Hillsboro, KS 67063. 620-947-3501. ( 248 Reviews ) Discover Chamber of Commerce in Hillsboro, KS. Search Hillsboro Chamber Of Commerce to find the top-rated small businesses, events, job openings, and business advice. We help consumers find recommended Hillsboro businesses, services, and brands you ...2023-2023 Elementary Special Education Teacher. Three Lakes Educational Cooperative USD 620 • Lyndon, Kansas 66451. Posted on October-12-2023. View Job Details.Mar 30, 2023 · He earned his law degree in 1979 from the Washburn University School of Law and his Masters of Laws in Taxation degree from the University of Missouri at Kansas City in 1984. Secretary Burghart has more than 35 years of experience combined between private and public service in tax law. The KU School of Business MBA is a competitively priced, top-tier education that enables you to get ahead in your field for less than $40,000. Study on your own schedule in our top-ranked program, no matter where you live. Tuition rates are the same for all students, with no Kansas residency requirement. Top rankings prove quality and value.QlikTech is a business intelligence software company headquartered in Radnor and another bearer of a logo with a circle. In the case of this company, the composition is more than simple — the emblem, which follows the bold sans-serif logotype, is composed of the first letter of the brand’s name, “Q”, drawn in bright green, with a solid …Please note that information provided on documents filed with the Secretary of State is public record that is subject to public access and disclosure (per K.S.A. 45-215 through K.S.A. 45-223). Please enter the business name and/or entity identification number in the field below to begin online filing. Business Entity Name: Business Entity I.D ...Eric Lagatta. USA TODAY. An explosion Saturday inside a commercial building undergoing renovations in southwest Kansas left three people dead, including a …Leavenworth on-campus programs. In conjunction with the U.S. Army Command and General Staff College at Fort Leavenworth, the School of Business offers programs for military officers at Leavenworth, including a hybrid MBA program with some classes offered in-person and others delivered online.He earned his law degree in 1979 from the Washburn University School of Law and his Masters of Laws in Taxation degree from the University of Missouri at Kansas City in 1984. Secretary Burghart has more than 35 years of experience combined between private and public service in tax law.Official Website of the Kansas Department of Revenue. Online Resources. Did you know that a large portion of the services provided by the Kansas Department of Revenue are available online?The Business Services Division files and maintains records of corporations, limited liability companies, limited partnerships, limited liability partnerships and general partnerships; issues authority for foreign entities to conduct business in Kansas; and files and maintains subsequent documents such as mergers, dissolutions, cancellations, wit... Kansas Homestead Claim, Kansas Department of Revenue, PO Box 750260 Topeka, KS 66699-0260. May I participate in the "Refund Advancement Program" on Form K-40SVR? Yes, Form K-40SVR allows the claimant to check a "Refund Advancement Program" box.Jan 24, 2023 · Check out the Small Business Administration’s Licenses and Permits page for a full list of industries with federal license requirements.. If your business isn’t one of these special cases, then the only federal requirements are that your LLC get an Kansas EIN Number (aka Federal Employer Identification Number) and that you file taxes. Payment Plan Request Forms (for mailing in) Pay Delinquent Tax Debt - Set Payment Plan Online. Personal Taxation Forms & Publications. K-4 Withholding Form and Information. Copy of prior-year tax documents/. Name or Address Change Form. Tax Clearance. Cigarette Tax Payment for Internet and Mail Order Purchases.The company ranks No. 3 on the Kansas City Business Journal’s list of area public companies, based on 2022 revenue of $4.86 billion, and No. 3 on the list of area manufacturers, with 4,661 local ...Kansas Secretary of State Scott Schwab announced the appointment of John Milburn to serve as Special Assistant for Communications and Policy in the Publications Division starting August 21. ... Business Services Division. 785-296-4564. [email protected]. 8:00 a.m. to 5:00 p.m. Elections Division. 800-262-VOTE (8683) [email protected]. 8:00 a.m. to 5: ...Payment Plan Request Forms (for mailing in) Pay Delinquent Tax Debt - Set Payment Plan Online. Personal Taxation Forms & Publications. K-4 Withholding Form and Information. Copy of prior-year tax documents/. Name or Address Change Form. Tax Clearance. Cigarette Tax Payment for Internet and Mail Order Purchases.Business News. Governor Kelly Cuts Ribbon on $450M, 100+ Job Hill’s Pet Nutrition Tonganoxie Plant October 16, 2023 Governor Kelly Announces Entertainment Company to Build $41M Studio and Learning Center, Create 101 Jobs at K-State Salina August 22, 2023 Governor Kelly Celebrates Michelin's More Than $100M Investment, Creation of 200 Jobs in Junction City June 19, 2023 Governor Kelly ...The Kansas Department of Labor (KDOL) is here to assist you in providing the tools you need to start your business. An Employer Toolkit, a step-by-step guide to take you through everything you need to know, along with helpful resources such as the State Information Data Exchange System (SIDES), Shared Work Program and much more is included.Better Business Bureau helps Kansas consumers find businesses and charities they can trust. Find trusted BBB ratings, customer reviews, contact your local BBB, file a complaint, report a scam ... Are you looking for a car dealership that provides exceptional customer service? Look no further than CarMax Kansas City. CarMax Kansas City is a car dealership that offers an extensive selection of new and used cars, along with top-notch c...Business News. Governor Kelly Cuts Ribbon on $450M, 100+ Job Hill’s Pet Nutrition Tonganoxie Plant October 16, 2023 Governor Kelly Announces Entertainment Company to Build $41M Studio and Learning Center, Create 101 Jobs at K-State Salina August 22, 2023 Governor Kelly Celebrates Michelin's More Than $100M Investment, Creation of 200 …55 minutes ago · A new report from the European Union claims thousands of the world's richest billionaires have consistently used legal loopholes and shell companies to conceal wealth to avoid paying their full ...The Undergraduate Business Council at the University of Kansas.KANSAS SALES TAX Kansas is one of 45 states plus the District of Columbia* that levy a sales and the companion compensating use tax. The Kansas Retailers’ Sales Tax was enacted in 1937 at the rate of 2%, increasing over the years to the current state rate of 6.50%. 2.00% (1937) 4.00% (1986) 5.30% (2002) 6.50% (2015)wilt chambelain
Digital Banking. Sure, we love to see you — but we know life gets busy. Bank at home (or anywhere there’s internet) with our digital services.Forms and Publications. Personal Tax Forms. Business Tax Forms. Vehicle Forms. Alcoholic Beverage Control Forms. Property Valuation Forms. Official Website of the Kansas Department of Revenue. Effective 01/01/2023. Effective Jan. 1, 2023 - Sales Tax Rate Updates Only. Publication 1700: All city, county and special jurisdiction tax rates - 01/2023 Excel. Official Website of the Kansas Department of Revenue.Enter your user ID and password to access your Cox business email account.Welcome to the Business Entity Search Station (BESS) for the Secretary of State's office. Below you will see a list of the various databases our office maintains, along with a brief description of each. Select the link to perform a search. Business Entity Database (view information for a business on file with the Secretary of State, order a ...Charitable Organizations (view information on registered charities in Kansas) Trademark/Service-Mark Search (view information for a Trademark/Service-Mark on file with the Secretary of State) Note: The state of Kansas does not register sole proprietorships, d/b/a, assumed name, trade name or fictitious name entities. Therefore the Secretary of ...Business records need to be kept safe and secure, yet easily accessible to their employees. Off-site document management is more than just document storage, it’s also about having a comprehensive records management solution that manages business information from inception through the document’s lifecycle, and to eventual destruction.Kansas. Business Tax Application. In addition to our business tax application and . instructions, this publication contains general . business information, an introduction to Kansas taxes, state and federal requirements, and a resource directory. On the back cover you will find information about our business tax workshops andKansas business licenses are issued by Kansas Secretary of State and ensure businesses comply with applicable laws, regulations, and standards in their respective industries. A business license protects public health, safety, and welfare by ensuring businesses operate responsibly and lawfully. Acquiring a business license …Welcome to the Business Entity Search Station (BESS) for the Secretary of State's office. Below you will see a list of the various databases our office maintains, along with a brief description of each. Select the link to perform a search. Business Entity Database (view information for a business on file with the Secretary of State, order a ...kstate baseball record
West Franklin USD 287 • Pomona, Kansas 66076. Posted on October-18-2023. View Job Details. Elementary Teacher Ell Saline USD 307 • Brookville, Kansas 67425. Posted on October-18-2023. View Job Details. High School Math Meade USD 226 • Meade, Kansas 67864.5 hours ago · By Sydnie Savage – Reporter, Kansas City Business Journal. Oct 23, 2023. Kansas City Kansas Community College plans to open two new facilities in Wyandotte and Leavenworth Counties before the ... Welcome to the Business Entity Search Station (BESS) for the Secretary of State's office. Below you will see a list of the various databases our office maintains, along with a brief description of each. Select the link to perform a search. Business Entity Database (view information for a business on file with the Secretary of State, order a ... Charitable Organizations (view information on registered charities in Kansas) Trademark/Service-Mark Search (view information for a Trademark/Service-Mark on file with the Secretary of State) Note: The state of Kansas does not register sole proprietorships, d/b/a, assumed name, trade name or fictitious name entities. Therefore the Secretary of ... 316-268-6340. Carrie Rengers has been a reporter for more than three decades, including more than 20 years at The Wichita Eagle. If you have a tip, please e-mail or tweet her or call 316-268-6340 ...Business Services Forms - By Name. The Kansas Secretary of State’s office offers an online filing option for many documents. A certified copy of the filing may be printed immediately for your records. Online filers may receive email updates when annual reports are due. Foreign Entity Application for Registration (For use by the following ... Kansas has over 258,000 small businesses, making up 99% of companies in the Sunflower State. 1 In 2021, these small businesses employed over 601,000 people, making up 50% of employees in the state. 2 Whether you’re planning to start a company or already have a small business, getting business insurance is essential to protecting your business.The Kansas Department of Revenue annually reviews the reporting history of each Kansas business tax customer to ensure their filing frequency is within statutory guidelines. This filing frequency determination applies to both sales tax (K.S.A. 79-3607) and withholding tax (K.S.A. 79-3298).Business News. Governor Kelly Announces Entertainment Company to Build $41M Studio and Learning Center, Create 101 Jobs at K-State Salina August 22, 2023 Governor Kelly Celebrates Michelin's More Than $100M Investment, Creation of 200 Jobs in Junction City June 19, 2023 Governor Kelly Announces Walmart to Build $257M Case-Ready Beef …Resources NetWork Kansas offers a state-wide resource referral service that connects entrepreneurs with expertise, education, and economic resources throughout the state. A referral coordinator will conduct research on the client’s behalf and connect them to the correct professional that can address the entrepreneurs need. This is a free service. wordle hint june 17 mashable
Welcome to the Business Entity Search Station (BESS) for the Secretary of State's office. Below you will see a list of the various databases our office maintains, along with a brief description of each. Select the link to perform a search. Business Entity Database (view information for a business on file with the Secretary of State, order a ...Eric Lagatta. USA TODAY. An explosion Saturday inside a commercial building undergoing renovations in southwest Kansas left three people dead, including a …The department issues numbered exemption certificates to a specified group of entities and organizations exempt from sales tax under K.S.A. 79-3606. Also, some purchases made by businesses, such as the purchase of goods or merchandise intended for resale, are exempt from sales tax. Learn more by visiting the Exemption Certificates page here.She proposed a joint effort between the Kansas business and law enforcement communities in support of the license requirement change. “If we could get a coalition of business and law enforcement together to push this issue with the Legislature, I think we stand a much better chance of success in getting it through,” Kelly said.By James Dornbrook - Staff Writer, Kansas City Business Journal. Oct 23, 2023. ... Founded in 2010 as the first craft distillery in the Kansas City area, Union Horse is a family-owned and ...The Kansas Business Filing Center was designed to enable Kansas business owners to interact with Kansas government online, from the convenience of their homes or offices. This multi-agency effort will continue to develop and grow into the centralized resource for Kansas business, saving you time and money! ...Official Website of the Kansas Department of Revenue. Sales Tax Rate by Address. For lookup by zip code only, click here. * = requiredOct 19, 2023. The Kansas City Current announced a stadium naming-rights deal with a company that has a lot of local history, but a relatively new name. The team said …KSHB 41 offers Kansas City news, weather, traffic, Chiefs, ... New marijuana micro business has roots on medicinal side of industry. Charlie Keegan 2:00 PM, Oct 20, 2023 .Help for Your Business. Kansas Business One Stop – one-stop shop for starting and maintaining a business, including multi-agency requirements. NetWork Kansas – resource for starting up or growing your business. Small Business Administration – programs and services for small businessesCharging customers out-of-state sales tax depends on the kind of state in which you operate your business: destination-based or origin-based. Destination-based sales tax is levied in the jurisdiction where the product is ultimately used. Origin-based sales tax is less complicated and is levied where the good or service is sold.If an out-of-state business entity is “doing business” in Kansas, it must file an application for authority. Please refer to K.S.A. 17-7932, which defines “doing business” in the state of Kansas.Mar 30, 2023 · He earned his law degree in 1979 from the Washburn University School of Law and his Masters of Laws in Taxation degree from the University of Missouri at Kansas City in 1984. Secretary Burghart has more than 35 years of experience combined between private and public service in tax law. Whether your company is looking to execute on current opportunities or poise itself for new ventures our suite of business support services can stream-line the process to success and educate you on how, what, and when to capitalize on the market. Call KBS LLC for your Business Development needs.BBB says legitimate Kansas business address used for scam. Updated: Jun. 12, 2023 at 12:02 PM CDT | By KWCH Staff. The address is the location of 1419 Mercantile, a business in Manhattan.October 20, 2023 6:00 AM. Columbia. The developer of a marijuana-friendly entertainment district has withdrawn his redevelopment plans for a tiny Kansas City-area village after The Star inquired ...Graduate degrees include an M.S. in Organizational Leadership and an M.S. in Business with a Supply Chain Management and Logistics concentration offered in Leavenworth ; an M.S. in Business Analytics, a Master of Accounting; MBA programs (both full-time with dual-degree options and online ). Student Experiences – The EY Professionalism ...ku teaching degree
For Business Entity Search questions, contact the Kansas Secretary of State: E-mail: [email protected]. Call: (785) 296-4564 during the hours of 8am-5pm, Monday - Friday. For technical questions concerning this application, contact the Kansas.gov Help Center: E-mail: [email protected]. Call: (785) 296-5059 or toll free (800) 452-6727 during the ...No Yesyes, you must also have a Kansas Motor Fuel If Retailers License. Complete and submit application form MF-53. for each retail location. PART 5 – SALES TAX AND COMPENSATING USE TAX. 1. Date retail sales/compensating use began (or will begin) in Kansas under this ownership: _____ 2. Do you operate more than one business location in Kansas? No Kansas Statutes. These statutes include amendments and new laws enacted during the 2022 legislative session. Note: To access the Kansas Statutes Annotated which have been authenticated in accordance with the law, see the current printed bound volumes of the Kansas Statutes Annotated and the current printed volumes of the Cumulative …Are you looking for a car dealership that provides exceptional customer service? Look no further than CarMax Kansas City. CarMax Kansas City is a car dealership that offers an extensive selection of new and used cars, along with top-notch c...Chat online with a referral coordinator during business hours or call (877) 521-8600 or e-mail [email protected]. The Kansas Small Business Development Center is the result of a partnership between the U.S. Small Business Administration and the Kansas Department of Commerce.The Business Services Division files and maintains records of corporations, limited liability companies, limited partnerships, limited liability partnerships and general partnerships; issues authority for foreign entities to conduct business in Kansas; and files and maintains subsequent documents such as mergers, dissolutions, cancellations, wit... Small business finance is the raising and managing of funds to finance and operate a new small business. This includes banking, small business accounting, building business credit, and raising funds for your business. When planning your Kansas business, you should determine what types of business funding options your company …John C. Kennyhertz. Business Lawyer Serving Kansas. (816) 527-9447. 10.0. Mission Woods, KS Business Law Attorney with 18 years of experience. A Kansas City native, attorney John Kennyhertz previously served General Counsel for a Kansas City-based private equity firm, and now focuses his practice on business transactions and corporate law matters. Welcome to the Business Entity Search Station (BESS) for the Secretary of State's office. Below you will see a list of the various databases our office maintains, along with a brief description of each. Select the link to perform a search. Business Entity Database (view information for a business on file with the Secretary of State, order a ...A Kansas business degree recipient could expect to annually earn $10,000 more by taking a job in Colorado, she said. A Kansas engineer could make $15,000 more per year in Texas and a computer science graduate in Colorado could receive a salary of $20,000 greater than in Kansas.This is the most common business insurance coverage, and nearly all businesses in Kansas should have it. It protects against third-party bodily injury and ...7 reviews. Avvo Rating: 9.3. Business Lawyer Licensed for 28 years. Keenan M. Post is an attorney and founding member of Sage Law, LLP, formerly Post Anderson Layton Heffner, LLP. Keenan maintains licenses to practice in both Kansas and Missouri. Keenan's practice is focused on lifetime estate planning, including ... Forms and Instructions. The page numbers on instructions may not be consecutive. Business Tax Application (CR-16) Notice of Business Closure (CR-108) Ownership Change Form (CR-18) Registration Schedule for Additional Business Locations (CR-17) Sales Forms and Instructions. Withholding Forms and Instructions. 1941 ncaa basketball tournamentFor Business Entity Search questions, contact the Kansas Secretary of State: E-mail: [email protected]. Call: (785) 296-4564 during the hours of 8am-5pm, Monday - Friday. For technical questions concerning this application, contact the Kansas.gov Help Center: E-mail: [email protected]. Call: (785) 296-5059 or toll free (800) 452-6727 during the ... Kansas (/ ˈ k æ n z ə s / ⓘ) is a state in the Midwestern United States. Its capital is Topeka, and its most populous city is Wichita.Kansas is a landlocked state bordered by Nebraska to the north; Missouri to the east; Oklahoma to the south; and Colorado to the west. Kansas is named after the Kansas River, which in turn was named after the Kansa Native …Business Taxes for Hotels, Motels & Restaurants (KS-1540) Food Sales Tax Rate Reduction (KS-1223) Local Sales Tax Rate Changes; Local Sales Tax Rates by Jurisdiction (KS-1700) Sales and Compensating Use Tax (KS-1510) Sales and Use Tax for Contractors, Subcontractors and Repairmen (KS-1525) The following information is required to file an annual report online: The business entity name or business entity identification number on file with the Secretary of State. This …Business Services Forms - By Name. The Kansas Secretary of State's office offers an online filing option for many documents. A certified copy of the filing may be printed immediately for your records. Online filers may receive email updates when annual reports are due. Foreign Entity Application for Registration (For use by the following ...Welcome to the Kansas Business Filing Center. The Kansas Business Filing Center offers access to the Kansas Secretary of State's online business services through KanAccess. The KanAccess sign-on enables businesses to submit filings online and access their records with the Secretary of State.Kansas business name search. The “Name” search query is the most commonly used when performing a business entity search. Enter in the business name and select “search,” and the database will generate any names related to the name entered. There is no need to enter phrases like “LLC, Corp, or other naming designations as the database ...Access Code (s) by calling 785-368-8222 or send an email to [email protected]. EIN. ACH Debit: Kansas Department of Revenue debits the tax payment from your bank account. ACH Credit: Complete an EF-101 online to initiate a tax payment through your bank. Today, we are evolving from our traditional role as an agricultural commodities merchant to master more of the food, feed, fiber and ingredients value chain. Through greater vertical integration within our business lines, we aim to secure a seamless, traceable and responsible supply chain from farmers to end-consumers. Find out more.KANSAS SALES TAX Kansas is one of 45 states plus the District of Columbia* that levy a sales and the companion compensating use tax. The Kansas Retailers’ Sales Tax was enacted in 1937 at the rate of 2%, increasing over the years to the current state rate of 6.50%. 2.00% (1937) 4.00% (1986) 5.30% (2002) 6.50% (2015)SEED Grants Strategic Economic Expansion and Development The purpose of SEED grants is to support the economic revitalization of Kansas communities under 5,000 population through investments in quality-of-life initiatives. SEED grants are funded under the Technology-Enabled Fiduciary Financial Institutions Development and Expansion Act …The Kansas Department of Labor provides workers and employers with information and services that are accurate and timely, efficient and effective, fair and impartial. Administered by employees that understand the value and importance of public service to their fellow Kansans.By Brian Kaberline – Editor, Kansas City Business Journal. Oct 23, 2023. A Lenexa company whose products would be familiar to anyone who watches “CSI” or TV detective shows has nabbed a buyer.West Franklin USD 287 • Pomona, Kansas 66076. Posted on October-18-2023. View Job Details. Elementary Teacher Ell Saline USD 307 • Brookville, Kansas 67425. Posted on October-18-2023. View Job Details. High School Math Meade USD 226 • Meade, Kansas 67864.how to determine cost of equity
Congratulations on starting your new Kansas business. To register for and pay your business taxes, you will need to set up an account with the Kansas Department of Revenue Customer Service Center. You can do so by clicking the "Customer Service Center" link at the top of the website and following the directions. Once you have registered for and ...The Single Sign-On Solution. Email. Password. Forgot Password? Learn More. Mar 30, 2023 · He earned his law degree in 1979 from the Washburn University School of Law and his Masters of Laws in Taxation degree from the University of Missouri at Kansas City in 1984. Secretary Burghart has more than 35 years of experience combined between private and public service in tax law. The Kansas Business Filing Center offers access to the Kansas Secretary of State's online business services through KanAccess. The KanAccess sign-on enables businesses to submit filings online and access their records with the Secretary of State. Visit the Kansas Business One Stop for more information about planning, starting, operating or ... This is the most common business insurance coverage, and nearly all businesses in Kansas should have it. It protects against third-party bodily injury and ...Determine Business Tax Requirements. Understand the taxes that will be applicable to your business at the Federal, State, and local level.Kansas Sales and Use Tax Rate Locator. This site provides information on local taxing jurisdictions and tax rates for all addresses in the state of Kansas. For best results, use complete and accurate address information when submitting your query. Choose one of the following options: Lookup Tax Rate By: Address; Zip + 4; Tax Databases:Business Services Forms - By Name. The Kansas Secretary of State’s office offers an online filing option for many documents. A certified copy of the filing may be printed immediately for your records. Online filers may receive email updates when annual reports are due. Foreign Entity Application for Registration (For use by the following ... The Undergraduate Business Council at the University of Kansas.Below is a list of publications available on the Kansas Department of Revenue’s website. These publications contain instructions applicable to specific business industries and general information for all business owners. Publication KS-1216, Kansas Business Tax Application; Publication KS-1510, Kansas Sales Tax and Compensating …Liquor Tax. Motor Fuel. Mineral Tax. Sales - Businesses. Sales - Cities and Counties/Distributions. Streamline Sales Tax. Tax Clearance. Withholding. W-2 and 1099.Resources Available at the Kansas Secretary of State Website . Kansas Charity Check - research registered charities financial and donation information. Business Entity Search Station - search the business entity database, trademark & service-mark information, and name availability. Help for Your Business. Kansas Business One Stop - one-stop shop for starting and maintaining a business ...is water matter or energy
Manage your clients' insurance policies with ease and convenience on the Next Insurance dashboard. You can view, edit, and renew their coverage, as well as access their certificates of insurance anytime, anywhere. Join Next Insurance and get the best insurance solutions for your small business clients.Kansas’ Democratic governor has scuttled a small legal settlement between the state and the owner of a Wichita fitness studio forced to shut down during the first months of the coronavirus pandemic and then operate under restrictions. ... According to the U.S. Small Business Administration, Omega Bootcamps received two pandemic relief …Network Kansas is a non-profit organization that supports entrepreneurship and small business growth in Kansas through various programs, including grants, financing options, and resources. One such program is the Kansas Capital Multiplier Loan and Venture Funds, which provide matching funds to businesses that have secured funding …NA. Affidavit of Write in Candidacy US President / Vice President. $20.00. NA. 25-305. Click a form 'NAME' to view the form, or click a ' K.S.A. ' to view the K.S.A. description. * The fee to file a UCC paper form is $20 for the first 10 pages and $1 for each additional page. Kansas has over 258,000 small businesses, making up 99% of companies in the Sunflower State. 1 In 2021, these small businesses employed over 601,000 people, making up 50% of employees in the state. 2 Whether you’re planning to start a company or already have a small business, getting business insurance is essential to protecting …