From Obamacare to workers compensation insurance, the waters of business insurance policies can be difficult to navigate. Ninety-four percent of small businesses believe they are adequately protected by their current insurance policies, according to Inc.com, but only a little more than half of them have the appropriate insurance necessary to recover from a disaster. There are certain insurance policies that a business is required by the government to have, and other insurance policies that intelligent business owners should maintain for their own protection. General Liability Insurance A general liability insurance policy is intended to protect you against a comprehensive set of scenarios, such as libel, slander, medical expenses and legal fees.…