Test Your Risk IQ

Welcome to Your Small Business Insurance Center sb.thehartford.com Site Map Contact Us Report a Claim

Test YOUR RISK IQ

Analyze Your Needs Reduce Your Risk Learn About Insurance Review Our Offerings

Reduce Your Risk

Test Your Risk IQ

Risk Management Know–How

Disaster Recovery Plan

E–Business Risk Analyzer

So how much do you really know about protecting your business? Take a few minutes to test your Risk IQ and in the process, learn more about the risks your business faces. At the end, we'll let you know how you did, and explain any answers you may have missed.

1.	The most common cause of property loss for small business owners is:

a) fire

b) theft

c) water damage

d) lightning strikes

2.	Across the country, 80% of workplace deaths are caused by:

a) machinery malfunctions

b) slips and falls

c) chemical spills

d) fires

3.	True or False. If your employee causes an accident while on the way to make the company bank deposit, you could be sued.

a) True

b) False

4.	You just got slapped with a claim for the most common cause of workers' compensation. What is it?

a) lower back strain from lifting or moving objects

b) auto accidents commuting to/from work

c) carpal tunnel syndrome

d) hearing loss caused by loud work environments

5.	Some companies that experience a disaster have no recovery plan in place. What percentage of those businesses never reopen?

a) 5%

b) 18%

c) 31%

d) 43%

6.	Errors & Omissions Insurance, also known as Professional Liability or Malpractice Insurance, does NOT protect you from which of the following?

a) You are unable to provide a client with your services as contracted, which leads to the client losing a key account.

b) An employee designs a custom-made plumbing fixture that ends up flooding a customer's home

c) You accidentally provide erroneous information to a client that ends up costing them a substantial amount of money.

d) One of your former employees, laid off from your company, sues you for age discrimination two years later.

7.	As a small business owner, your employees could sue you for a variety of reasons. But which type of lawsuit is typically the most expensive?

a) sexual harassment

b) age discrimination

c) wrongful termination

d) racial discrimination

8.	Every week in the United States, an average of ________ employees are assaulted at their workplace.

a) 220

b) 738

c) 3,280

d) 18,000

9.	If a fire in your building spreads to a neighboring building, can you be held liable for damages?

a) Yes

b) No

10.

True or False: If your workplace is severely damaged by a fire, a good property insurance policy can reimburse you for the income you lose while your business is shut down.

a) True

b) False

Find An Agent

Discuss how to tailor our offerings to your specific business with a local insurance professional.