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Starting a business is exciting, but it can be a bit risky. Now that you have taken the leap and started something new, you are working hard and you know you need a good night's sleep. You have to be ready for whatever comes. So, if you don't want to stay awake worrying about which of these risks might get you, then you should make sure you are properly prepared with the correct insurance. Here are seven types of insurance that you must have for your business. You should also have an excellent insurance broker to help you understand exactly how these apply to your situation and your business. Insurance is not one-type-fits-all, so be sure to discuss your particular business with an insurance broker. Professional Liability Insurance This insurance is necessary if your business employs people who perform a professional service, such as trainers, or massage therapists. The business needs to be covered against negligence claims or damages that happen because of mistakes. Product Liability Insurance If your company is making, or selling something for the general market, then something could go wrong with the product. Even the business that takes every precaution and ensures safety can still find itself named in a lawsuit. Property insurance Insure the business against fire, storms, theft, and against natural disasters like floods and earthquakes if you think they might happen in your area. In the event of a catastrophe, you will want to be able to replace or repair the building, the furniture, and the equipment that was lost. Home-based business insurance If your business is in your home, then you have a lot of different things to consider. First of all, don't assume that you don't need extra insurance. Your homeowners policy will not cover business losses. It goes both ways. Will your home be covered if there is a fire caused by something associated with the business? Check with your insurance broker. Vehicle insurance Company vehicles should be fully insured in case of an accident. If you are using your own vehicle as part of your home based business, then the insurance company should be aware of that use for the vehicle. The business vehicle policy may not have a specific mention of vehicle use, so that is another thing that must be checked with your broker. Workers compensation insurance If you have employees, you should have worker's compensation on the policy, to cover anything happening to an employee if they are hurt, injured or killed as a result of the work with the business. Even if it is low-risk work, it is still necessary. Business interruption insurance If there is a disaster or something happens that interrupts the business's work, then the business will suffer from lost income. This insurance can help compensate for the lost time and income. Once the proper insurances are in place and completely understood, you will sleep better at night. Make sure your unique situations are considered, and don't fail to have these basics in place.