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most commercial work will require a minimum 1 mil insurance to land work. (business liability insurance) which in ri costs a small percentage of your payroll (just u in this case) course their is a minumum to own a policy but it can't be more than 1k at the most. well worth the security and peace of mind though.
u really should be careful about trying to cut corners with things that can be difficult to understand like legal and insurance stuff. get an insurance agent you like and let them write you a standard policy for what you do. there have been many before you so it is a fairly common policy.
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