Owning your own business takes a lot of time and hard work. You have to spend hours upon hours making sure everything is working like it should and the client is being taken care of every step of the way. Without the client, you don’t have a business to deal with in the first place. As much as you might do everything in your power to do everything right, there are things that you simply cannot control. Whether it be that a customer was injured from one of your products or they injured themselves inside of your establishment, you don’t want to lose everything because of something that you didn’t plan for in the first place.