just myself and i have insurance though my f/t job even if i get hurt off the job

waht kind of insurance?? property and liability? YES, even if you work from home you shuold always have seperate coverage because you do not want your home in jeopardy. and you need insurance for certain professions to cover yourself, do you have employees? if so, you need workmens comp... and you should be more specific with your question..