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Events out of your control can happen that will keep your shop closed, such as storms, fires, and more. You may be covered to repair your building and replace its contents, but how will you keep the business afloat if you are unable to operate?

David Willett, the chief underwriting officer at Spark Underwriters, shares how shop owners and operators leave themselves exposed to loss without this coverage.

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David Willett, the chief underwriting officer at Spark Underwriters, shares how shop owners and operators leave themselves exposed to loss without this coverage.