1. Small business insurance, about 500.00 / yr.
2. Doesn't hurt to have the 2 million insurance policy that covers everything as an umbrella - often used as a backup to a teen driver driving under the family car insurance policies.
I shy away from cutting edge stuff in my business, no carbon bars, stems, seatposts, carbon crank arms or carbon spokes. 99% aluminum alloy and a little steel and titanium. Basically the tried and true stuff that's been around for decades and established as "reliable".
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5000+ wheels built since 1984...
Disclaimer:
1. I do not claim to be an expert in bicycle mechanics despite my experience.
2. I like anyone will comment in other areas.
3. I do not own the preexisting concepts of DISH and ERD.
4. I will provide information as I always have to others that I believe will help them protect themselves from unscrupulous mechanics.
5. My all time favorite book is:
Kahane, Howard. Logic and Contemporary Rhetoric: The Use of Reason in Everyday Life