[trcollinson]

I currently carry a number of types of insurance for personal and business liability. I have, as yet in my long years of having the insurance, never had a claim made against it. I would suggest speaking with your insurance agent and seeing what is available. I honestly can't remember all of my business liability insurances but the one most of my clients who care for proof of insurance ask for is E&O (Errors and Omissions). I pay about $450 a year for the entire company through Farmers Insurance which covers $5,000,000 in liability. I also strong suggest to most people an Umbrella Liability policy. I carry $2,500,000 in personal Umbrella Liability which covers and whole lot of different circumstances and I pay $72 a year for it.

Again, I have never had anyone make a claim against any of it, and in a lot of ways it's just for my own peace of mind.