I run a tiny home repair service just me, a van, and a few regulars. Nothing fancy. Last month, a client tripped over my extension cord while I was fixing a door. They were fine, but the moment it happened, I realized how exposed I was.

I’d been putting off small business liability insurance because I figured I didn’t need it. I don’t have employees. I don’t rent a storefront. But now I see that none of that really matters. One mistake, one accident, and you’re suddenly dealing with lawyers or hospital bills.

Since then, I’ve been reading up and comparing policies. Most are surprisingly affordable, especially if you’re solo. I haven’t picked one yet, but I’m no longer debating if I need it just which one makes the most sense