OK I know I should have looked into this earlier, but i didn't. I hate making you guys hear another scrub story, but I did it to myself. (That's the first step right; Admitting it!) I had liability ins. for the past 4 yrs. Worked great for just me. Now I've got an employee working about 25-35 hrs. a week. Any suggestions??? I'm going to contact my ins. agent first thing in the morning, just woundering if their's any thing I should keep in mind.