The financial burden that insurance , licensing and regulations put on my profit margin.

In the state I am in, Illinois, these three factors cut into profit so much that businesses are fleeing the state in droves.

For small business, it is even worse because most of the time profit margins are very slim and insurance can consume a huge chunk of your operating budget and drive up the price of goods to cover it.

But, insurance is a necessary evil- people are lawsuit happy.