There are risks associated with direct marketing that businesses need to be aware of and protect themselves from. Experts classify risks as either high-level risks with almost certain peril or low-level risks from small infractions. Businesses should take preventative actions against risks to avoid losses that could hurt investors and owners. When looking for coverage, businesses should consider providers that offer the most consideration for their needs and interests in an economical manner. Proper compensation for insured losses is important to maintain a balance for policyholders. Different risks may require different types of coverage from specialized providers.