What a different there is from one insurance policy to another!  I started my own pond business two years ago and chanced not having liability insurance.  Now that I have two guys working for me full-time I know insurance is a must.  My customers also want to know if I have liability insurance.  So far I’ve contacted three companies for an employment practices liability insurance quote, and have received three very different quotes!  It’s impressed upon me to take the time to really shop for the insurance that will best meet my business needs, and not to assume that all policies are the same.