Before launching a new business, it’s necessary to have a Budget -- and there are lots of items that have to be included in the budget. Legal fees, marketing costs, facility costs and equipment costs are just a few of the expenses that most new companies should include in their budgets. Another expense that ought to be included, but is sometimes forgotten, is the premiums for a business owners policy (BOP) with general liability and property insurance coverage. If you’re starting a new company in Cold Spring, New York here’s why you should include premiums for a BOP that has general liability and property coverage  in your budget, along with how to find out what the premiums might be.