Insurance for startups
aquaphile: Requirements will depend upon your state, your office setup, your line of business, and the amount of capital involved.  We have the following:
* Workers' Compensation policy
* Business Personal Property policy
* Commercial Liability Umbrella policy
* Directors & Officers ("D&O") policy
* Errors & Omissions ("E&O") policy
* Life insurance policies on key employees, payable to the company (aka "key man" policies)If you have employees you will need Workers' Comp.  If you have a lease in a commercial office building, they will require that you maintain a Commercial Liability Umbrella with limits of at least $1 million.  Business Personal Property is very minor, and is generally packaged with the former.  D&O is something that protects the officers and directors, and which sophisticated investors will require of any portfolio company.  E&O is generally only necessary in service businesses.  Key-man is a good idea for all the "key" employees, and for early-stage companies a sophisticated investor will make key-man insurance mandatory.