Also don't worry about having enough insurance or any of that. If a company has a requirement you don't currently meet you can always add more insurance once you sign that new work. Almost anyone will let you do the work, they won't pay you until you get them things like a W-9, naming additional insured to your insurance, vendor pack stuff.
It's OK to say "I don't have that today, but I will price it and add it to the bid for you. Thanks asking about that"
Do not lie