having it or not can make or break one in this business.having it gives one a huge advantage over weekenders,bottom feeders and people that do not have insurance and equipment being stolen.when quoating mention that you have insurance and the reasons why,highlighting examples of reasons and examples to back up having you do the work with insurance.get a copy of the certificate of insurance and show clients it.

having insurance has one con people will try and push resposiblity for damage not cauced by you onto you,pass the buck,hang it on you.thus check properties via check list before you start and after you finished.take digital photos before and after for proof.that curly ball will come and you will be ready,this could save you big bucks.