Is your business a sitting duck for "Systemic Risk"? 🌍📉 A conflict thousands of miles away isn't just news—it’s a direct threat to your small business insurance. Even if you don’t work overseas, global "reinsurance" costs ripple down, raising premiums for local commercial liability and property policies. What you need to know: The Cyber Loophole: Most policies exclude "Acts of War." If a nation-state targets your business, will you be covered? The Valuation Trap: Rising material costs mean your 2021 coverage limits won't cover 2026 rebuilding costs.