Over the years we pay for different kinds of insurances.
It is very important to spend some time writing all these down in one place. Also document the policy number and the customer service phone numbers.
This way you could decide which ones to keep and which ones to discard.
For example did you know that some malpractice insurances already cover business liability.
Also just call their customer service and see how hard / easy it is to contact them. For you may be surprized how hard it is to submit a claim.
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