Insurance is a gamble on all fronts. If you choose not to have it, not only could you be violating local laws and regulations, but you could also be on the hook for a bill that could easily sink most professionals' livelihoods. On the other hand, insurance can seem like an unfair and costly burden forced upon us, especially when the likelihood of ever filing a claim is next to nill.  However, in life, it's not a matter of if but when an accident will happen. And when that time comes, it pays to have the proper protections in place. Therefore, our take, insurance on equipment, general liability, and personal injury are non-negotiable must-haves.