In an environment as competitive as insurance, it's hard to believe a certain major coverage is routinely overlooked, especially when it addresses a critical need of nearly every commercial client. Strange, but true. Consider the following scenario.

You visit friends in another town. They offer to take you to their favorite place for "killer" chicken wings. In the great tradition of all legendary eating establishments serving up wings, barbeque, fried catfish and such, the joint is likely to be located either in a shack out in the sticks or tucked into an empty bay in a semi-vacant warehouse-someplace that obviously does not appear on the health department inspector's maps. Invariably, the d?cor is mid-Depression era. Janitorial services, if any, are minimal, as the owner evidently assumes dirt and grime will simply waft out the door on the generous mists of cooking grease that envelop all surfaces. Flames will shoot from the broiler, smoke will billow from the fryers, and you'll need no menu since every available food item will be represented by a stain clearly visible on the cook's once-white uniform shirt and apron. The atmosphere will be raucous, the help efficient, the food divine, and the line of customers long.

So, in the instant you first attack your order of nuclear wings, the thought foremost on your mind, of course, will be, "Which insurance coverage does the owner need most?"

There is only one correct answer.