There are a few disadvantages to outsourcing, however, and you should definitely take those into account as well. For one thing, if you outsource, it means that you're going to have to work very closely with company that you outsource your work to. Otherwise, you won't get finished work as soon as you need it. Having another company involved in your business might get tiresome after a while.

Another thing that you should consider is that depending on where you outsource to, it might hurt your business. This is generally only a big deal if who your customers are really matters, or if you're a very small business. Some people shop at small businesses because they're local - and if you're a business like that, then outsourcing might be to your disadvantage.

In end, however, question of whether or not outsourcing is right for your business can only be answered by you.

Another type of insurance that you will need to get is worker's comp. This is required in every single state in United States. Essentially, this insurance will make sure that your company will be able to pay if one of your workers is injured and needs to sue in order to pay for medical bills. One problem with worker's comp, however, is that it can get pretty expensive depending on type of business you have.

You will also want to make sure that you get auto insurance if you are going to have any sort of company car. Not only is this just a good idea, but it is also required by law if you are going to have anybody driving vehicles while they're on job for you.

The most important thing to consider when you're trying to decide what type of insurance to get is that you should always check with regulations of area that you're in to make sure that you will get enough insurance to cover right things.