Insurance

For those who currently own and operate businesses: When you were starting out or later as you grew, how did you decide which insurance policies to get? Did you rely on a broker, follow what others in your industry carried, meet bank or lender requirements, or make your own assessment of risk? There are so many options like general liability, property, cyber, key man, and business interruption. It is not always clear which ones are essential and which ones can wait depending on the size of the business and the industry. I would like to hear how you approached this, what worked best, and what you might have done differently