I have been an estate caretaker in the past for friends of friends and in only through word of mouth locally. I want to now branch out and look for jobs out of state with people I don’t know. If hired by someone, one of the possibilities is that I would become hired as an independent contractor. So my question is who does the liability insurance fall on when I am residing on their property. Would I be covered under their home owners insurance? Should I buy insurance to protect myself from being accused or sued for stealing/breaking something or anything else?