Is business insurance necessary, what type to get and what's the cost?

Another perspective: maybe the core issue with getting insurance is something else entirely. like think about it this way...

Another perspective: maybe the core issue with getting insurance is something else entirely. Think about it this way...

Another perspective: maybe the core issue with getting insurance is something else entirely. Think about it this way...

Another perspective: maybe the core issue with getting insurance is something else entirely. Think about it this way...

Another perspective: maybe the core issue with getting insurance is something else entirely. Think about it this way...

But what is the risk really? Will the business shut down if this choice is wrong? I'm saying this so you're super careful.

Another perspective: maybe the core issue with getting insurance is something else entirely. Think about it this way...

I agree.

I'm writing this so you don't make the same mistake. When making a decision, also write down the cost of reversal.

The cheap-looking path usually ends up costing more later. The biggest time-waster for us was not knowing who had the final say.

Just leaving this note, it might be useful.

I felt relieved reading this answer, so it's not just me... tbh when making decisions, write down the worst-case scenario too not just the best.

Calculate this based on total annual cost, not the monthly bill. Thats all, sorry if I went on too long.

Let me summarize the topic, since several different answers were given. Mistakes made on the getting insurance side are usually reversible but expensive.

I'm also curious if anyone does it differently.

We got stuck at the same point for a while. The biggest time-waster for us was not knowing who had the final say.

Taking notes for two weeks yields better results than a six-month estimate. Proven by experience.

I felt relieved reading this answer, so it's not just me. Hasty decisions become decisions you have to fix six months later.

Proven by experience.

The opposite happened to me, that's why I'm writing. Most time waste accumulates in tasks waiting for approval.

If you have questions, write them; I'll answer as best I can.

Correct. Finding a new customer is more expensive than keeping an existing one.

A small market isn't bad; working cheaply in a small market is. Proven by experience.

How did you solve this? Most time waste accumulates in tasks waiting for approval.

Look where the bucket leaks; pouring water on top doesnt solve it. Thats all, sorry if I went on too long.

I went through the same thing.