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If you think that your new home based business does not need to be insured separately, since you already have homeowners' insurance, you have another think coming! Most homeowners' insurance policies limit loss of business property to $2500, do not cover losses away from home and exclude liability coverage for business-related activity. How's that for protection!

But before you buy that insurance, assess your needs and get quotes from a number of companies to determine the amount and type of insurance suitable for your business needs. Incidentally, most businesses go in for property and liability insurance.

Property Insurance - As the name suggests, this type of insurance covers your business for damage or loss to physical property. A comprehensive property insurance policy should cover equipment and machinery, office furniture, computers and accessories, inventory and supplies, fixtures such as lighting systems or carpeting and the actual building structure occupied by your business. Make sure you understand the coverage limits on various policies, any deductibles or co-payments that may be required and how the insurance company pays claims.

Liability Insurance - Liability coverage protects your business against lawsuits arising from personal damage or injury that has occurred on your premises. Your homeowners' or renters' insurance may not protect you against liability to business visitors. A general liability policy covers damages that your business is ordered to pay to an individual who is injured on your property.

If you sell manufactured or assembled goods, you should consider taking product liability insurance. This type of insurance protects you in situations when the product you sold creates or is perceived to have created harm or damage to the buyer. On the other hand, if you're a professional, such as a doctor, lawyer, architect, computer consultant or realtor you should also consider carrying professional liability insurance.

In addition to the type of insurance discussed above, you should also consider commercial auto insurance if you use a vehicle, even if it is your private car, in the course of operating your business. It covers damage that you or an employee may cause in a business-related accident. Similarly, make sure you insure all employees' personal cars that are used for business purposes. If your business has employees, you will also need workers' compensation insurance which covers their injuries on the job.

Several insurance companies have special "package" policies that cover both your home and a business that is run from there. Typically, these policies cover computer equipment and other business property, whether used in your house or elsewhere and protect you from business liability lawsuits and loss of income. These types of policies usually cost less than either adding riders to your home insurance or buying separate policies for home and business. Since there are lots of options to choose from, it's a good policy to shop around a bit to get the best value from your policy.

Hi, I'm Akhil Shahani, a serial entrepreneur who wants to help you succeed. If you like to work smart, check out http://www.SmartEntrepreneur.net It's full of articles and resources to help you start and grow your business successfully. Please visit us & download our special "Freebie of The Month" at http://www.smartentrepreneur.net/freebie-of-the-month.html

If you're going to use Starcraft maps and use them well, you have to learn the lingo. Every game has its own language and terminology that players understand and use. This is also true of the Starcraft game. The first thing you should know is what SCUM means. SCUM is an acronym for Starcraft User Map, which is basically any map that will operate with Starcraft. They are often called UMS, which means User Map Settings. This refers to a map that has triggers or data that has been changed in some way, You do need to use the UMS setting in order to play with these maps.

StarEdit is the map editor that the creator bundled with the StarCraft game. AS such it is the official map editor and you should have it stored in the folder on your computer where you have everything else related to Star Craft. With this you can cerate your own maps but it does not have the capability to create hidden A1 scripts or to handle and string management. This editor uses a point and click interface so that you can easily create triggers. However, it does not allow for any text-based manipulation of the triggers you create. The sequel to this software is the StarCraft X-tra Editor, known as SCXE. This has more features than the original editor, but it doesn't allow you to make too many changes that may result in the system crashing.

You can find many maps for Starcraft online and download them to your computer if you don't like or want to create your own. In order to create a full campaign you may have to download several maps, if you are using scenarios, which tell a story. When downloading the maps, you have to make sure it is actually compatible with Starcraft. This could be the case if after you download a map and save it to the folder, Starcraft cannot open the program.

There are basically two types of maps you can use in StarCraft. These are normal maps and money maps. Money maps have almost unlimited resources so that you don't have to worry about running out of either money or resources. Some of these maps are big hunter maps, fastest maps and zero clutter maps. They do help to simplify the game because when you use them you can focus all of your attention on choosing the best strategies rather than how much resources you have left. It also present more challenges because you have to figure out how you can keep your resources as close to zero as possible. You also get reward for making plays that are just not possible with normal maps.

While the type of map you use is up to you, you should choose one that matches your skill level and experience in playing the game. Beginners should always start with land maps because if you use island maps you will have to memorize a canned built order and attack no matter what the situation is in the game.

You can download Starcraft maps at http://www.CreepColony.com This site also has; lots of information on Starcraft2 and Starcraft II strategy.