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>Either that - or not work for them!
So you would dump a client that could possibly provide many (hundreds of) thousands of dollars worth of work to you rather than pay $2-3K for insurance?
In our case, most (all?) customers who get more than a token amount of custom work done from us require this liability cover (most customers who buy our off the shelf package don't require it but we still have it).
Chris
Have a nice day :)