Although it might seem tempting to opt out, oftentimes state law requires contractors (including professional organization businesses) to have some type of liability insurance. Even for those privileged few who do not legally need it due to lack of regulation, it is important to consider the client’s concern when they discover you don’t have it. Many clients will opt for a professional organization company that is covered by liability insurance rather than one that is not. Therefore, it’s usually in the best interest of a company to have liability insurance, regardless of location.