Well if there are indeed annual fees for NYS then it wouldn't be worthwhile to me, if it just a one time deal and extra paperwork then I might still go for it. How detailed would my policy documents have to be? If it is something that would require me to hire a lawyer to write then it also wouldn't be worthwhile. As far as I know everything I have done has been legal but it would also be nice to have an extra level of protection in case if something went downhill and I got sued by somebody.
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