Those of you that have it, have you ever had a need for it? I'm asking because liability insurance is currently right up there with my future quick 36as far as priorities go. That is to say I plan on getting it as soon as the money from this business starts rolling in. I plan on starting in February '07 and if everything goes right I should have libility insurance along with my quick 36 by May '07. The advertising, equipment and certification costs will eat most of my $4000 start up budget. I don't plan on advertising for commercial accounts until 2008 anyway so I'm not worried about it from that angle. I guess I will just have to be careful.