The costs of insurance should be built into your service pricing, just as a traditional employer builds their own employee costs into their pricing.
I'm spending less than $400/year on liability insurance in case a client sues my company, or if I cause a data breach/loss for them . What insurance are you planning on paying for?
@sjducb Would you be willing to kindly share the type insurance that you referenced here, as well as the name of your provider? If you wish, find my email address in my profile and feel free to share that way. Thanks so much!