PHILADELPHIA--(BUSINESS WIRE)--According to the Small Business Administration, small businesses make up a full 99 percent of all U.S. employers.1 Despite the integral role small businesses play in the overall health of the U.S. job market, many small businesses are especially vulnerable to the risk of significant financial loss. They have historically lacked access to affordable insurance coverage options to adequately protect themselves. Recognizing the small business need for adequate insuran