As a small business owner, you know what it means to be responsible. In addition to the long hours and hard work, owning a business brings an array of other responsibilities, whether you're just opening your first corner shop or running a long-time establishment with a payroll of employees. Owning a business can bring you great success, but with great opportunities come great risks. Don't let your income or your life be at risk . Make the first step in your planning process - a review of your disability and life insurance needs to ensure both you and your business are protected.