In the prior year, Helmut had paid the entire year's business insurance policy upfront which has expired as of January 15, 2018. In all its years of business, Helmut's Wurst has not filed many insurance claims. Luckily there have been no burglaries since $5,000 cash is kept over-night in the cash register to allow the assistant manager to open in the morning. The insurance premium quoted for 2018, starting January 16, 2018, of $3,900 per year, is very reasonable