If you have a business you will definitely need a logo; If you are from the insurance field you need an insurance logo for your company. Insurance logos are really valued logos. Insurance logos need generic characteristic elements. If you are choosing a wrong colour and shape for your insurance logo you will never get attention from clients and they never believe in your insurance company; so your logo is very important for your company. Most of the graphic designers are using golden ratio, cyclin ratio, etc for making a perfect insurance logo but if you have your own idea you can easily make a insurance logo easily. Lots of websites are providing free logos that will help you to find good logos for your insurance company. Use photoshop and illustrator for making good logos.