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There is no second chance for a business gotten by fire but if it is insured there will be less hassle and trouble finding money to put up again the same business. Even if you’re a home-based business or don’t have any employees, you need to have insurance for your small business. Get a fire insurance policy but the first thing to do is ask for a quotation to know the premiums of the fire insurance and it will be based on the contents of your business, the building, and all including humans. The kind of insurance you need depends on your business model and the possible risk the owner faces with. You can dial a non-life insurance company near you. It is better to be safe than sorry.