Requirements will depend upon your state, your office setup, your line of business, and the amount of capital involved. We have the following: * Workers' Compe

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.