Depending on what the business is, some companies will refuse to do business without it. For example, IBM only hires contractors with a specific amount of liab

Depending on what the business is, some companies will refuse to do business without it. For example, IBM only hires contractors with a specific amount of liability insurance. And it makes sense - you're working with them on their property, but since you're not an employee, you aren't covered under their liability insurance.