I'm working part time as a LCO so my wife can stay home and raise or kids till their in school. I've lined up 15 yards for this season and I'm planning on hiring 1 worker. How should I handle Liability Insurance for both my Customers and my Employee. I don't think I can afford to purchase Workers Comp. I'm planning to grow the business in the years ahead but can't afford to get ahead of myself financially. Advice is greatly appreciated!!