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insurance is to protect your customers as much as yourself. It is not expensive, having it based on a percentage of payroll or gross receipts, it is foolish not to have it. Here a base rate for 1,000,000 GL is less than $500.00 per year. They will even let you make payments on it.
One thing in business is overhead, now you need to keep it as low as possible, but there are necessary items to provide a quality service. Insurance is one of them. Would you drive your car/truck around without insurance if it was not legally required? No responsible adult would take that risk.
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