Looking at getting the "minimum required" liability insurance at the moment. Neither of our first two customers want it but the people we are renting office space from do.
I've had great luck with http://techinsurance.com - the owner literally called me and walked me through my options, and then told me that I could probably get away with not having a "Fidelity Bond" which was the most expensive piece...
I'm using them as well -- have been happy so far. I avoided insurance altogether until a client required it. Don't get it unless you need it. You can get a policy in place fairly quickly.
Getting insurance can be a pain in the ass, and rates vary. I might argue for a middle ground: find out from your industry how likely it is you are to need insurance within 6 months, and get it ahead of time if you will.
