What does everyone require for insurance coverage limits?

[Paul Baldasaro]

What are the limits you require a contractor to have for insurance. I flip houses in MA and have had some contractors give me a hard time saying I am asking too much. My limit requirements are:

Commercial General Liability Insurance $1,000,000 Each Occurrence Limit (Bodily Injury and property Damage) $2,000,000 General Aggregate per Project" $2,000,000 Products & Completed Operations Aggregate" $1,000,000 Personal and Advertising Injury Limit"

Business or Commercial Automobile Liability Insurance $1,000,000 combined single limit per accident

Workers' Compensation and Employers' Liability Insurance $100,000 Each Accident $100,000 Each Employee for Injury by Disease $500,000 Aggregate for Injury by Disease

Excess or Umbrella Liability $1,000,000 occurrence/aggregate

Am I asking too much? What does everyone else require? I am working out of Massachusetts, I’m sure that affects things.