I also pay twice what he is paying and have even less coverage. From the Days when I had the Big Show Worker Comp for Spray techs was a higher rate than maintenance worker but still less than Landscape installers. I am not sure what type of coverage he has for half price. But he is only Licensed to carry Back pack sprayer and not 400 gallon tanks of chemicals that require Hazmat Clean up. The insurance companies exposure is far less with the Roundup License than a real pesticide license.
You can lead a Donkey to water but you can't make the Jackass Drink
"As Americans you have the right to be stupid." John Kerry
"Life is tough, but it's tougher when you're stupid.” John Wayne.