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chipk1
10-24-2004, 08:10 PM
How many Solo's here carry liability insurance and have you every had to make any substantial claims?

osc
10-24-2004, 08:26 PM
You should have insurance no matter how many employees; or no employees. Without it you are writing checks your body can't cash.

chipk1
10-24-2004, 08:32 PM
You should have insurance no matter how many employees; or no employees. Without it you are writing checks your body can't cash.

Again the questions are:
How many Solo's here carry liability insurance and have you every had to make any substantial claims?

FuzzyOne
10-24-2004, 08:47 PM
I'm solo and carry liability....but no claims....knock on wood.

DSIM
10-24-2004, 08:50 PM
I'm solo and have worked for almost 8 years w/o it. I don't have insurance, I have something better, assurance in the Lord Jesus Christ! He told me "I'm in good hands with Him" :angel:

wmsland
10-24-2004, 08:51 PM
I'm a solo and I have a business policy that has both liability and theft. I have never had to make a liability claim, but a few theft when equipment has been stolen. I wouldn't think about not having it, especially these days. Another reason I carry it is because the state requires you to carry a certain amount in order to keep up your pesticide license.

Stuttering Stan
10-24-2004, 08:54 PM
solo for 5 years, had liability since day 1, have made a few claims for broken windshields and backed into a car with my ZTR, nothing over $1500.

gramps
10-25-2004, 05:36 PM
I'm solo and have worked for almost 8 years w/o it. I don't have insurance, I have something better, assurance in the Lord Jesus Christ! He told me "I'm in good hands with Him" :angel:
I think Allstate said it first. ;)

grass_cuttin_fool
10-25-2004, 05:57 PM
Solo operator here and no claims yet on my policy yet . I mow churches and cemetarys, I cant imagine having to replace a 4 footx 6 foot stainded glass window out of my pocket

DSIM
10-25-2004, 06:29 PM
I think Allstate said it first. ;)

Gramps,
here's something better than Allstate,

The LORD shall preserve thy going out and thy coming in from this time forth, and even for evermore. Psalm 121:8

Plus for additional info on assurance vs insurance read all of Psalm 91

Jesus is Lord

Husky03
10-25-2004, 07:36 PM
I'm solo and have worked for almost 8 years w/o it. I don't have insurance, I have something better, assurance in the Lord Jesus Christ! He told me "I'm in good hands with Him"

Gotta be kidding me ;)

jajwrigh
10-25-2004, 10:25 PM
I'm solo and carry liability....but no claims....knock on wood.

Ditto! I am in the same boat!