Why do I need liability insurance? I've never had a problem with my work.

I hear this all the time from contractors who have worked for years without insurance and never had a problem. I tell them that's great! It shows they are quality craftsmen with satisfied customers. Unfortunately, you can't please everyone all of the time. Many contractors find themselves the victim of unscrupulous clients who are looking for a reason to sue and "recoup" the cost of their home improvements. Some contractors merely find themselves caught up in a lawsuit simply because they were on the wrong jobsite with another contractor who had a problem. When an accident or injury occurs someone pays.