You need business insurance for you're start up. E m b r o k e r m broker is going to save you time and money. Their prices are up to twenty per cent lower, with better coverage than the incumbents. You have a moral obligation to your team to get that siber dan o, e an o and e p l. And obviously i will stand by my position that nikola will not exist in two or three years, and it will be a zero if you still own the stock.