You need to know this.
If you own any IP, what is your threshold for litigation? Rest assured, even the smallest businesses get involved with IP litigation, then find they can’t afford it because their general business liability policies don’t cover it. There is no need for you to be on your own in the IP courtroom; IP insurance can be a cost-effective way to handle the ever-rising costs associated with litigation of your IP rights.
I don’t endorse any particular carrier, but I found these videos on YouTube; they contain a good overall discussion of why you should carry IP insurance and of how IP insurance works.
IP Enforcement Insurance
IP Defense Insurance