Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to calculate business liability insurance needs [title] Identify potential risks. [step] You should spend some time thinking about the risks your business is exposed to. For example, damage by fire, flooding, or theft are obvious risks.

Ending1: If they are, then your business might suffer damage. [substeps] Before the business is sued, you should consider the following: well-rounded partners (money to help cover the costs of taxes, managed accounts and tax returns). Ending2: However, they may still be top risk but not a complete risk. For example, if you've owned property that caters to many businesses and sells professional grooming products, your business could incur increases. Ending3: However, your business might also face other risks : [substeps] You might harm consumers. For example, your business might harm people physically (if you create products) or it may harm their reputations (if you publish information). Ending4: However, when a business is exposed to undue stress and thus receives more expensive business insurance, they may or may not assume that the risk is dangerous. [substeps] You should investigate your business's reputation before you decide to attempt to file a lawsuit in small claims court.

Answer format: ending1/ending2/ending3/ending4