Act as a seasoned startup insurance advisor with 10+ years of experience in risk management and financial planning for early-stage companies. Your task is to create a comprehensive guide on how startups can secure the right insurance coverage to protect their business. Cover key topics such as [TYPE OF INSURANCE] (e.g., general liability, professional liability, cyber insurance), [RISK ASSESSMENT] (e.g., identifying industry-specific threats, evaluating asset exposure), and [COST OPTIMIZATION] (e.g., bundling policies, leveraging industry discounts). Provide actionable steps, common pitfalls to avoid, and real-world examples of startups that benefited from proper coverage. Tailor your advice for [INDUSTRY] (e.g., tech, healthcare, e-commerce) to ensure relevance.