“I’ll Get Insurance Later” — Famous Last Words in Business

“I’ll get insurance later.”

I hear this all the time. And I get it. When you’re starting or growing a business, there’s always something more urgent. Clients. Income. Marketing. Payroll. Life.

Insurance feels like a future-you problem.

Until it isn’t.

And before you think I’m about to go full doom-and-gloom...relax. No, for real, WOO-SAHH, because This isn’t fear-mongering. This is just real life, explained plainly.

Why So Many Entrepreneurs Put Insurance Off

Most people who delay insurance aren't careless. They delay it because:

• They’re bootstrapping and watching every dollar

• They assume “nothing will happen to me”

• They think insurance is more complicated than it needs to be

• They don’t actually understand what they need yet

And honestly? All of that makes sense.

What doesn’t make sense is pretending risk doesn’t exist just because you’re busy.

What “Later” Usually Turns Into

In my experience, “later” usually becomes:

• When a client requires proof of insurance now

• When a landlord won’t hand over the keys without a policy

• When a contract is on pause because coverage is missing

• Or worst case… when something goes wrong and coverage wasn’t there

That’s when the scramble starts.

And scrambling is the most expensive way to buy insurance.

The Problem Isn’t Waiting — It’s Waiting Too Long

Here’s the part people don’t talk about enough: You don’t need perfect insurance on day one.

You do need appropriate insurance.

There’s a big difference.

Early-stage coverage is about protecting:

• Your income

• Your ability to keep operating

• The thing you’re actively building

Not every policy. Not every add-on. Not every “what if.”

Just the basics, done intentionally.

What Getting Insurance Early Actually Looks Like

Getting coverage earlier doesn’t mean going all in financially. It usually means:

• Starting with one or two core policies

• Making sure those policies match what you actually do

• Leaving room to grow and adjust later

Think of it like locking your doors and not installing a full security system on day one.

Why I Don’t Judge the “I’ll Do It Later” Crowd

Let me be clear: I don’t judge anyone who says this.

Most of my best clients started there.

What I do push back on is the idea that waiting is somehow safer or smarter. Because the longer you wait, the fewer options you usually have, and the more rushed the decision becomes.

Insurance works best when it’s proactive, not reactive.

The Bottom Line

You don’t need to have everything figured out before you get insured.

You just need to stop pretending “later” is a plan.

If your business is real enough to make money, it’s real enough to protect.

And if you’re unsure where to start? That’s not a weakness. That’s the starting point.

If this post made you uncomfortable in a “yeah… I needed to read that” kind of way, you’re not alone.

That conversation is easier than you think and it doesn’t have to be overwhelming.

and THAT'S where I come in. Click HERE to get a free no obligation quote today.