I have a small design company (sub-s; only two employees, me and my partner) and I keep hearing from friends/colleagues that getting business insurance is a must, since we might be liable for a lot of weird issues (websites being hacked, bad printing, bad contracts, etc.)
So is it really a good idea to get and if so, where do I go to begin? costs? issues? etc?

Some people are telling me yes and some people say that it’s a bad idea because your mortgage company can make your insurance payment late. What do you think? I’m a first time home buyer so I’m so lost. Thanks.