So I am working on starting up a computer repair and upgrade company. It's part-time for me, but I do plan on hiring a tech full-time to do work in people's homes. How important is it for me to get some sort of insurance for him? For example if he accidentally trips and breaks something in the persons house...or something along those lines.
I guess more of what I'm asking is would it be worth it to not get the insurance for the one employee and eat the cost if he breaks something (which most likely won't happen)? Or just pay up from the get go? If going the insurance route is better, what could I expect to pay for one employee that lets say goes into two houses a day where somebody has to be home?
I do want to note that the employee is sub-contracted (1099 not W2)

Yes! Talk your insurance agent or someone who provides business insurance.