Do You Need Liability Insurance?

Home labor is not something that's covered in most insurances. It's definitely not covered on a commercial style product. Unless you have an LLC and you have a handyman or a cleaning staff on as a W to employee, they should have separate work comp policy for them. If somebody's about your property and they're up on a ladder changing a light bulb and they fall off, there's really no coverage. So you should be using licensed and insured professionals.