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Answering service businesses manage incoming phone calls for their clients. These services may also include providing a live receptionist, offering 24x7 support, recording and transferring calls, scheduling appointments, answering general questions, admin work, virtual answering service, customer support, and converting inbound leads to prospects.

Common risks that can occur to any business and risks unique to answering service businesses can arise at any time and in any manner. Businesses need to protect themselves against various adverse outcomes through appropriate insurance policies.