Bring a professional into the picture early. Analyze your needs. You don't want to spend money on needless insurance or insurance for situations that are highly unlikely. Insurance is a fixed expense. Make wise choices before adding an additional expense to the business.
Insurance is a complex and detailed subject.
Seek out a reputable and qualified broker agent or consultant to explain insurance options. A qualified professional will recommend coverage options and help you avoid financial loss. Insurance is a protection. Evaluate what kind of protection and what level of insurance coverage is needed for your business. Before purchasing insurance, consider all the possible ways of holding down the costs.