I have been in business now for about 3 years and my husband raised a good question today. First of all, I never read over my policy and was under the assumption that regardless if I cleaned without a contract that I would be covered. He mentioned waivers, and contracts and that I needed to read my policy. What I am asking is it true I must work under contracts before the insurance will cover me. I could call my insurance agent and ask but checking here first for some feedback.
Also, I am a sole proprietor and since he brought up all this I am thinking of becoming incorporated to protect my assets with or without contracts and or waivers.
Any feedback would be greatly appreciated.