Your business may have coolers to refrigerate product. An example would be a delicatessan or a flower shop. If you suffer equipment failure you could lose all your stock and suffer a significant financial loss as well as a break in your business. If your business is seasonal in nature, this could result in a loss of income that could be devastating. You need to consider the impact of such a loss and determine if you wish to transfer the financial consequences by purchasing insurance. Discuss this with your broker or agent.