What insurance does my business actually need?

You have put this off because it feels like a maze — permits, policies, fine print written to confuse you. That feeling is not a reason. It is an excuse dressed as confusion. Here is what is true: some insurance is required by law, and no one is coming to tell you which. Some is required by the people you work with — a landlord, a client, a partner who wants proof before they sign. And some you need simply because you are not willing to lose everything over one accident, one lawsuit, one bad week. You are not doing this alone. Your team or your partner shares this risk whether or not they share the task. Divide it. One person calls the state. One person calls a broker. One person reads what the contracts actually demand. This is not complicated — it is only undone.