Thanks Rob,
$4,500 sound a lot, but I guess that's the prices for all these benefits. At one point I was looking for Errors & Omissions insurance, but all companies I called didn't want to deal with one-man company (they all said they do group insurance only). What company does your Errors & Omissions insurance? Is the Errors & Omissions insurance expensive too? What is CGL?
Thanks for taking the time to help me!
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