What is the number one need for a small business? What is the one thing, above all else, that it must have? Ask these questions or similar ones and you will get several types of answers. Some will center around employees; you have to be able to find the right kind of help. Others will center around cash flow; you can’t survive without dough. I want to present to you the idea that a small business, especially in today’s economic climate, absolutely cannot survive without the correct small business insurance policies and strategies in place. While it is true that cash flow is the life-blood of small businesses everywhere, there is something of a whip-saw effect that is a result of the economic weakness present now. Even if you are a apartment building owner you need to have find an apartment owners insurance program that will cover you in case of liability.