For you independent one person operations, do you have GL to cover your business? Not E&O, but GL. Or, do you believe there is a need for it? Also, I am not talking about GL to cover the office. IE: if you are placing a sign and pulling it out of the car and the wind hits it and it bangs against someone else's car. Then, the GL would kick in. (only situation I could come up with!)

Most likely you won't need it if you have it, you need it if you don't, GL is cheap and I have been told even our insurers are giving away bargains, so shop around.

I was required to get a GL policy by my landlord at the complex my office is in.

It is only $500/year. If someone decides to jump onto my desk and falls and splits their head open then at least I'll get to use my insurance instead of get sued.

I can't really think of an instance where I would need it either, but whatever.