In my "better safe than sorry" opinion, $1000 seems like an ok price to pay to be safe. However, if it's not required, and you're covered for general liability, workmans comp, etc, I don't think I'd go for it.
Pairing with a FTE, having good tests, etc all make the situation sound safer, but I'm not sure you should take them into consideration when buying insurance. Shit still happens even if someone is there watching with you.
Pairing with a FTE, having good tests, etc all make the situation sound safer, but I'm not sure you should take them into consideration when buying insurance. Shit still happens even if someone is there watching with you.