Insurance for Hard Surfaces

[Nathaniel Jones]

Hi, this might be a "dumb" question.  But is there a type of insurance I should get for a small business that does hard surface renovations?  I'm not a contractor and don't do anything structural, but I would consider my brother in law and myself - experts at tile, kitchen, flooring renovations.  We have done our houses and probably over 30 other homes for friends and friends of friends.  Would like to try and expand our services but not sure what else is needed, because I know one of the main questions I hear other people asking is "are they licensed and insured/bonded"  - The state we are in is South Carolina.  Any guidance would be appreciated.

[Dan Thomas]

General business insurance is probably a good start.  If you speak to a broker they can look at what you are trying to do and make suggestions on the appropriate insurance levels.  If you are working in other peoples homes I would certainly think insurance would be prudent.