It’s not easy to think about insurance, but if you own a business, it’s too important to ignore. The right insurance and the right amount can be the difference between withstanding an unexpected catastrophe or being destroyed by it. 

In our personal lives, we get insurance for our cars, our home and our health. For business, what you need will vary, but there are some basic kinds that contractors especially need, says Jim Venturini. Venturini is an account executive with...