I called a few folks, including my bro-n-law who's a building contractor. He lives in LA now, but he's from TX.
The lowdown from him....
*Bus. Liability (1Mil) - safe amount/good quote.
*Without employees, comp's not needed (since it is more/less a liability type of ins. for employers). If a contractor does mention it, I sign a waiver.
*Disability/Accident ins. - just starting a business, working alone w/no employees, could make me look like a potential ins. fraud risk ( from an ins. agent's viewpoint), so it would prob'ly be hard to get anyway. Since my concern here is covering myself in case of injury, I'm better off sticking with plain ole health ins.
Geez, I feel like such a 'DeeDeeDee'
I don't know why I didn't think to call the Bro' in the first place. (I musta thunk too hard & blown a circuit). I guess its just so easy to start a business here - no license required on state, county or city levels, comp, etc- that it seemed too good to be true & I was so busy double checking to be sure that I got myself all loopy. Its worth the embarrassment knowing I'm starting out correctly though, rather than risking trouble later on.
I really appreciate all your help. Hope I haven't been too much of a pain. But hey, I'm keeping all this info so if another newbie from Tx joins the forum, send 'em my way - I'll be happy to return the favor!
Have a great day!!