Running a business can get complicated. Not only do you have to find and retain the right employees, but you also need to make sure you have all of the equipment you need, use the right Instagram hashtags in your marketing, and perfect your sales pitches so that you can bring in more business. There’s a lot to consider, and even if you think you have it all covered, things can sometimes go wrong—but that’s where insurance comes in. There are several different types of insurance that you can, (and probably should), get for your business that will help protect you in different situations.

Here are a few that you should consider:

Property Insurance

Property insurance is basically home insurance for the business property that you own or lease. It will cover everything in the building from equipment to furniture and even inventory in case of a fire, theft, etc. While you may not plan on having anything go wrong, long-time business owners will tell you that it’s better to have the insurance and having nothing go wrong than it is to not have it and have to cover any damages out of your own pocket.

Worker’s Compensation Insurance

If the business you run and employees you hire will be doing relatively low-risk work, then you may feel like worker’s compensation insurance isn’t necessary for you, but you might be surprised at how often even low-risk businesses need it. From heavy machinery accidents to simple slips and falls, you may find yourself paying workers compensation whether you have insurance or not—with insurance, though, you’ll be paying a lot less.

Product Liability Insurance

Unless your business is solely service based, product liability insurance is something that you’re probably going to need. It will cover you in case of a lawsuit brought against you because of damage or harm that was caused by your products. Even if you’ve done everything you can to ensure that your products work perfectly, people may still try to come after you if they’ve had an issue with what you sell, and having that insurance will help you significantly offset the costs.

Professional Liability Insurance

Professional liability insurance is also often known as errors and omissions insurance and protects against damages or services that aren’t properly executed. This means that if you or one of your employees forgets to or is unable to perform a service as it should be, or causes damages in the process, you’ll have insurance to protect you against a potential lawsuit and help you save a lot of money. Even if you think there’s no way any of your employees or yourself could mess something up, think again—people make mistakes, it’s natural, but it’s better to be prepared.

General Liability Insurance

General liability insurance is as it sounds, general. It covers everything from damages to bodily injury. While it does cover a lot of aspects of your business to a degree, it’s not fully comprehensive. For example, it does not act in place of professional liability insurance so you’ll want to have both. Even if you run a business from home, having a general liability insurance policy is important and a good idea—companies will tailor each policy to you to make sure it fits no matter what type of business you run.

An Attorney

While hiring an attorney is very different from purchasing an insurance policy, it’s still a form of insurance in and of itself. Experienced attorneys like Aaron Kelly can act on your behalf to protect you against pending lawsuits and make sure that all of your intellectual property is protected and that your rights are preserved. If you’ve been putting off hiring an attorney or are hoping you won’t need one, think again. It’s better to have an attorney available to help you both with the standard stuff as well as in case of an emergency.

Car/Vehicle Insurance

If you have a fleet of vehicles or keep one or two that are designation solely for company use, you need car/vehicle insurance. Besides it being a legal requirement, it’s a good idea to have to ensure that your vehicles are covered in case something goes wrong—whether it be your fault, the fault of another driver, or due to wear and tear. You can likely get insurance for your vehicles through your car insurance provider, or you could choose to go with a separate company. Whatever you do, make sure you have the insurance that you need.

Data Breach Insurance

Every business has to store data of some sort, but if your company stores data that is personal and/or sensitive, (such as credit card information, health records, confidential files, etc.), then getting an insurance policy that can help you in the case of a data breach is a good idea. If you think you won’t become a target, think again. With all of the hacks that continue to happen, to both large and small companies, you’ll be glad that you have it in case anything happens to you.

Do you have the coverage that you need.