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So there is cool Apps to buy insurance from these days. When I first start a cleaning company I just use the cheaper apps for GL insurance. Checkout Thimble!
I agree that you must use insurance as widely as possible. Especially when it comes to health and safety. My friend works as a driver, she has three children and no insurance, because she works as self-employed. So once she drove in a crossing, and a truck hit her old car. Julia had no insurance and her out-of-pocket expenses may have been way too high. But I found CEDA and they helped to handle these medical nuances for the future right actions.