I'm going to take a hit on this one, I know, but bear with me please. My former partner was always responsible for getting the insurance for the business. Liability and equipment. I kinda know what he would do each year, but never paid that much attention to it. Before he quit last year, I made him renew it. He always went through his mother's friend who has an insurance agency. Something I'm not going to do again this year. So, I'm getting estimates on insurance right now for this coming year. This is the first time I've done it, so I'm kinda unsure of what kind of limits I need on liability. Looking at previous policies, he had us at $100,000/$200,000 for liability. That seems pretty low. I don't do a lot of commercial props, the few I have have never asked for a certificate or required certain limits. I'm mainly worried about throwing a rock and hitting a person, not as much property damage. Especially with all the idiots that like to walk through my work zones every day. Is that too low? Should I up it? I don't think I need $500/$1 million, but I was thinking like $300/$600,000 would be okay. Also, I'm going to be hiring a few folks this year, part time. As I understand it, I don't need to have worker's comp in MI for anyone less than full time. But it's not that expensive, like $8/100 hours. Should I get it to cma anyway? Thanks in advance for your CONSTRUCTIVE replies.