Protect the relationship.Without him/her tho a good umbrella policy will be ok for first one or two.

It is better to get Umbrella Insurance than getting an LLC initially. 

Assuming the property will be in your name (and not in an LLC) – you will want an umbrella insurance policy.

I guess you could develop a second cleaner-helper-handyman as backup.There is an insurance coverage issue that I don't worry about because I have umbrella policy, but you might.

That insulates me in a different way.9) You have to figure out your net worth to see what sort of umbrella insurance you should have on yourself as if something major happens and you have a decent net worth, you can bet your bottom dollar they are coming after you personally.   

You'd certainly want to have an umbrella policy in place, in case your business insurance policy doesn't cover everything.- You mentioned mobile bathrooms (hopefully not port-a-johns). 

Also, I have dwelling policies on each of my properties in addition to an umbrella policy.

Kohler before setting up a business entity.7 Buy lots of insurance and then add a Commercial Liability Umbrella.

Umbrella insurance 

My umbrella covers the process because I the umbrella covers me.