Therefore, we need to spend more energy on risk management and control. So, how do private entrepreneurs buy insurance? What aspects should private entrepreneurs consider when making insurance planning? Now the insurance experts will answer the questions for the owners. The insurance planning of private entrepreneurs is different from that of ordinary families. The main reason is that private enterprises are not separated. This is also the same problem faced by many private enterprises. Corporate debt equals household debt. Enterprise income equals family income. Therefore, we should try to avoid the interaction between corporate finance and family finance. As a business owner, the responsibility is very heavy, not only the responsibility of the family, but also the responsibility of the enterprise. The business owner is the soul of the enterprise, and the health of the business owner also affects the normal production and operation of the enterprise. Therefore, insurance planning requires consideration as much as possible. Give priority to with necessary protection. What are these guarantees? 1 Enterprise group insurance includes social security, group medical insurance and group accident insurance. If you want to run as fast as a horse, you must feed the horse grass. Giving employees the necessary protection is the prerequisite for employees to work with peace of mind. Especially accidents or occupational diseases that occur on employees' way to and from work. According to the provisions of the labor law, the boss, as an enterprise legal person, should bear the corresponding economic responsibilities. Due to the separation of private enterprises, these expenses are paid by the boss himself. If you can pass this risk on to the insurance company with a small sum of money, why not? 2. Personal life insurance for business owners. Some people may say: Come on, Lao Liu, you can fool me. You still have a point when you say group insurance. Why is life insurance necessary again? Do you just want us to pay more? Life insurance is useless without money. This is purely a lie. Alas ... you really wronged me. This kind of life insurance is especially important for business owners. First of all, life insurance can be used as a guarantee for debt repayment. The so-called loan insurance refers to term life insurance as a loan guarantee. Second, the enterprise is the result of the boss's painstaking efforts. We are dead, do you want to pass on your business and property smoothly? The enterprise embodies the efforts and struggles of the boss all his life. If there is not such a large sum of cash after levying inheritance tax, how can the enterprise pass on smoothly? Even if there is no inheritance tax, there is a saying that people keep tea cool. If we die suddenly, will the upstream suppliers, downstream distributors and banks that lend to us trust our heirs as much as they trust us? That is, if there is enough cash flow to help our heirs, will the enterprise tide over the difficulties smoothly? Here, I want to talk about this kind of whole life insurance in particular. The meaning of life is actually great. Why? This world will eventually end this life, so this life can play the role of pledge like your real estate enterprise in many cases. In particular, if this policy is cashed out, you can only recognize life insurance, but term life insurance is not enough. Although this kind of policy cashing only appears in the black market at present, with the development of the insurance industry, there will definitely be a special policy pledge cashing industry like foreign countries.