Your business insurance needs start with general liability coverage, which covers claims for injuries to other people and third - party property damage to individuals, such as customers or delivery persons. (trustedchoice.com)
I've lived in a few places and I've always seen renter's policies including general liability coverage which seemed like it would cover situations like this. (reddit.com)
Additionally, certain employers or clients may require you carry specific limits of general liability coverage before they allow you to work with them. (progressivecommercial.com)