Insurance for Tech/Web Startups?

I wanted to know about the HN communities thoughts on Insurance for Startups (tech/web). Our startup is a pure web startup, so we are not dealing with any office spaces, properties, physical items, or interacting with the customers directly. We will have a services people can pay for, but that's about it. Only thing I can think of is another company coming at us for IP related lawsuits. We did lot of research early on to make sure no one has done it, or there were any patents regarding it. * Do you think Insurance is something early stage tech startup should look into? Personal Experience?