Jeez my heart sank listening to this litany. I was wondering about liability insurance for the little job I'm looking at now. What kind of insurance do I have to get for a crew of say five guys doing simple remodels. No roofing, no new construction, just demolition, framing, electric, plumbing, drywall and paint. How much would I have to invest to be safe. I'm not doing $1.5 mil a year. I'm just trying to get this thing off the ground. Heck I don't have any insurance right now, I just have to be careful. I can't depend on the whole crew being careful and not running to the hospital every time they get a sledge hammer blow to the skull. Cry babies.