I am starting this spring and have 1 large account, they requested that I have liability insurance. How much should I carry? I have contacted my local insurance co. , they gave me some choices of 100,000 300,000 500,000 100,000,000 the difference in price from the lowest to the highest amount is about 250. Do I need this insurance for just one account? This insurance really cuts into my profit margin, and I am not sure if I want to take on another account, with being I am just starting out in this biz.