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Insurance requirements for a Tint shop in California


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Hi I have a question for the other shop owners on here. I recently tinted a car for a dealership. I've done several cars for them already and they have paid via check. On Sept. 13,2012 was the last car I did for them. Their cooperate office now have a few requirements for me a W-9 which is standard but they also require me to have shop keepers insurance. Problem is I don't have insurance. The work is already done and it's been two months now and I'm waiting for payment. I'm willing to not tint any future cars for them because of this requirement. My question is what are my options now? Another question is am I required to have insurance? I'm a sole/owner operator. Thanks

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