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Confused about liability insurance - help!

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I'm finally launching out on my own and I'm confused about liability insurance.
My understanding is that general liability insurance covers things like breaking your customer's $20K vase or doing something that somehow burns the customer's house down. Am I correct so far?
Someone told me however that it doesn't cover screwups caused to what you are actually working on like carpet. What I mean is, I read somewhere on TMF that a guy caused permanent swirl marks in carpet that he couldn't get...

Confused about liability insurance - help!

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