Most people get a kick out of Halloween, frightening ghost stories, glowing jack-o-lanterns, and little ghouls and goblins trick-or-treating on October 31st. Some of us also enjoy feeling the jitters while watching a scary movie. It’s all in good fun, after all.

But for small business owners, independent professionals, and sole proprietors, Halloween and chilling movies aren’t as terrifying as real-life claims, accidents, and incidents that can destroy their businesses.

We can give you eight examples of things far more spine-chilling to business owners than witches, vampires, and werewolves: