Insurance 101:
First rule - get it! Joe Walters is probably your best source for General Liability. email:
joe@jwagency.com He can also cover your equipement - very important cause if something happens to your rig and you're not covered, you're out of business.
Check with your state about Worker's Comp. I know you said you're not getting employees and technically as the owner you're not covered anyway, BUT, there are some smart homeowners out there that know that if you get hurt on their property, they are responsible if you don't carry WC. Also, if you want to do any kind of work for a contractor, ie washing new houses - you will likely have to have it so you don't fall under his policy as premiums are based initially on payroll. If you don't provide your certificate, when they get audited, they pay for you - they don't generally like that.
Insurance is a rotten nasty evil - but it's better to be protected than to lose everything. One last note, general liability pays for ACCIDENTS, ie, your extension wand gets loose and goes through a window...covered. Not knowing what chemicals will do what or what damage too much pressure can cause.......falls under ignorance and they won't pay for that.
My contact information is listed if you ever want to get in touch with us directly
Celeste