The details of starting your own business may seem overwhelming, but one area that you should not neglect is insurance coverage. Many different types of insurance exist, including property insurance, liability, workman's compensation, group health, life, disability income, "key man" insurance and others. "You can insure against everything and anything," says Gene Fairbrother, lead small business consultant for the National Association of Self Employed. "The most important thing is to know the risks you are taking. If you want to go "bare" (without coverage), that's fine, but you need to understand what the risks are."