===== What are insurance expenses? =====

Usually "billed to G&A." We've already covered disability insurance on the personnel assumptions screen, so this insurance assumption entry covers all the other types of insurance your company needs. For example:
      * Property insurance - covers losses arising from physical damage to or theft of your physical property.
      * Liability insurance - covers you if you are sued.
      * Key person insurance - pays the company in case of the owner's or manager's death or disability.
      * Workers' compensation insurance - required by law if you have employees.

Do not include here the cost of providing health or life insurance for your employees; those costs are covered under "fringe rate" under personnel assumptions.

{{keywords>insurance, property insurance, liability insurance, key person insurance, other expenses}}

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