If I work as an independent contractor or 1099 for an insurance inspection company, can I be sued for negligence and be liable for anything that happens to the insured’s property?

I was recently hired by a small company based in another state to conduct commercial property insurance inspections as well as homeowners insurance and will be inspecting interiors like MEP as well as cookery and cooking space if it's a restaurant. I am worried that since I don't have a professional errors and omissions insurance policy, can I be held liable if anything were to go wrong at the places that I inspect like a fire were to start or an event that causes damage and the insurance company denies the claim for whatever reason? The insurance company that receives the report SHOULD be willing to cover anything that goes wrong since they are the "insurance" company that gets paid thousands of dollars each year by the customer and I shouldn't have to worry that much as long as I do my job as carefully as I can?

The company that I was hired by doesn't have a website and I was hired after applying on indeed and the owner emails me the work assignments. He said I will be filling out a W-9 and be on payroll after I submit my first completed assignment. Should I ask for the company's EIN number so that I can know the company's identity and where they are based or can that be determined once a payment has been direct deposited into my bank account? Would it ridiculous of me to ask him if he can just venmo or cash app me the payments for each assignment I complete? I am paid on a per assignment basis.