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We have 1mil rider in auto liability and an umbrella of 1mil. Our buisness is also incorpoated to help insulate personal assets. With 7 employees in 18 years we have not had any issues. If you are in this for any time at all, Incorporate and become an employee of the company, this helps seperate the liability from your personal assets.
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It's only worth doing if you can do it right
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