Devils advocate here I must admit, but if the guy is just mowing lawns....what are the chances that he will ever get brought into a lawsuit for more than what a basic liability package would cover him for?
I carry liability and have since start up since the cost in min. even for what I carry, but the fact is that in reality if I am just mowing lawns there is a limited amount of damage you can do (with the exception of something getting thrown out of the mower situation and hitting a small child that everyone likes to bring up.)
10% of your customers are 90% of the problem.
You may think the grass is GREENER on the other side, but if you take the time to water your own grass would be just as GREEN[/COLOR].