Last week I was involved in a motor vehicle accident. My only employee was killed in the accident. Because I am well insured, it has made this terrible ordeal much bearable. I am a small lawncare biz, grossing about 50k/year. Luckily, I am fully insured for workman's comp, commercial automobile, and liability insurance. I see so many small businesses operating without any insurance. It is unavoidable accidents like this that literally make insurance PRICELESS. This rant has been a word of advice to the small business who are running under the radar.