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🔑 เครื่องมือสำคัญที่เจ้าของธุรกิจควรมีตั้งแต่เริ่มต้นเปิดกิจการ หนึ่งในนั้นคือ Business Insurance (ประกันธุรกิจ) ประกันบางประเภท กฎหมายกำหนดให้ต้องมี บางประเภท ไม่บังคับตามกฎหมาย แต่ในความเป็นจริง 👉 ธนาคาร / Landlord มักกำหนดให้ต้องทำ หากไม่ทำ อาจไม่สามารถต่อสัญญาหรือขอสินเชื่อได้ โดยพื้นฐาน ประกันธุรกิจที่สำคัญมีอย่างน้อย 5 ประเภท ได้แก่ 1️⃣ Workers’ Compensation Insurance คุ้มครองเจ้าของธุรกิจและลูกจ้าง กรณีบาดเจ็บจากการทำงาน 2️⃣ General Liability Insurance คุ้มครองความรับผิดต่อบุคคลภายนอก เ
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