Jim Conlin wrote:
Insurance is desirable for:
- the physical assets - building, tools, tooling, inventory
- product liability
- The care of you and your employees- health, Workman's comp, etc.

well luckily, I don't have to worry about most of those right off the
bat.

It'd be me, a place I don't have to worry about insurance on (in a
sense) and some other things that don't apply.