I'm using them as well -- have been happy so far. I avoided insurance altogether until a client required it. Don't get it unless you need it. You can get a policy in place fairly quickly.
Getting insurance can be a pain in the ass, and rates vary. I might argue for a middle ground: find out from your industry how likely it is you are to need insurance within 6 months, and get it ahead of time if you will.
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I'm using them as well -- have been happy so far. I avoided insurance altogether until a client required it. Don't get it unless you need it. You can get a policy in place fairly quickly.
Getting insurance can be a pain in the ass, and rates vary. I might argue for a middle ground: find out from your industry how likely it is you are to need insurance within 6 months, and get it ahead of time if you will.
Isn't that the thing about insurance - by the time you need it it's too late!