You can take all the precautionary measures you like but you'll never be free of the risk of accidents. If, despite your best efforts, something goes wrong either to you or to someone else for whom you're responsible, it can prove mightily expensive.
One way to identify and to quantify the risks your business is exposed to is to draw up a list. To help you do this, visit the website of an insurer and examine the contracts they propose. By seeing what risks they cover, you'll get a good idea of how urgently you need to be insured, and against what.
Another tactic is to fill out a questionnaire provided by some insurers. Answer the questions about your company's activity and the software will be able to determine a good number of the risks and needs that are relevant to your business. To give you an idea of the products that exist on the market, we've again divided them into three categories.