 So even if you're a low risk business, you would still want some type of business insurance, depending on the industry you're in. So for example, with lawyers, we have legal malpractice insurance. Over the years, we've heard a lot about medical malpractice insurance coverage. We all know about auto coverage and homeowners coverage. So we have great insurance agents locally. So you would want to make sure when you go talk to them, am I adequately insured for what I'm doing? And if you're a very low risk business,