Originally Posted by Darryl G
I think it's irresponsible to be operating power equipment that has the potential to cause both property damage and personal injury on a customer's property. I think it automatically follows that if you can't afford an insurance premium then you can't afford to pay for any damages you may cause. Property damage is finite but personal injury damages can be huge. I pay my insurance to protect my business and personal assets as well as because I feel it is my responsibility to my customers to be insured.
I agree 100%. Hit a rock and hurt a person there goes your life. I was sued for a slip and fall about 3 years ago on a property I plowed the snow at. My insurance picked up the lawyer fees and settled it out of court. That was sure a fun year of lawyer meetings and being deposed. Total cost of lawyer fees and her settlement was about 85K. Glad I had insurance.