I had a company insist I carry employer practice liability insurance (epli, iirc). If my employees sexually harass someone, or get fired, there may be lawsuits

I had a company insist I carry employer practice liability insurance (epli, iirc). If my employees sexually harass someone, or get fired, there may be lawsuits, and epli will supposedly cover this. I'm a single person company. I have no employees. More than a couple insurance brokers I contacted said "we don't have anyone who will write an EPLI policy unless you have employees". Contracting company was insistent I had to have it. But... if I didn't want to get it, I could w2 through them. I bought the insurance anyway (expensive, though I've since found cheaper options for it). I had done w2 through them before and ... I'd forgotten how much taxes get withheld - months without having access to my money or ability to pay my own taxes. And... they messed up some paperwork filing a year before which took ... my own time/money to correct.