When your co-founders have heart attacks and break-ins I would consider it abnormal. Sure you can insure your way out of it, but it's a constant tradeoff. A nor

When your co-founders have heart attacks and break-ins I would consider it abnormal. Sure you can insure your way out of it, but it's a constant tradeoff. A normal insurance (which we had) didn't help much since it only covered new equipment after the breakin, and didn't cover anything in the heart-attack case since we weren't working for a client with a contract. As a startup you have limited time and money and you've got to decide where to spend it. Large corporations have the luxury of being able to have all-covering insurance policies,redundancy, policies for replacing employees, well-established back-up plans, etc. Most startups don't. The very things that make a startup cheap are also what make it vulnerable.