6 reasons to consider business insurance for your SME: 1. Your business property, including warehouses, offices, and stock, is susceptible to damage from theft, fire, floods. 2. Unexpected events like fires, loadshedding changes, and natural disasters can disrupt business operations, leading to lost income. 3. Third-party claims can be costly, financially and reputationally damaging, as they involve damage, injury, or negligence to a third party. 4. Cyberattacks in SA pose a significant risk to businesses, potentially causing data breaches, financial loss, and reputational damage, as anti-virus systems are not adequately equipped to handle such threats. 5. SME employees are exposed to risks such as work-related injuries, illnesses, and accidents, which could potentially lead to liability claims. 6. Business insurance for SMEs can protect against legal disputes or regulatory fines if not followed promptly, as they are subject to various laws and regulations.