Well I have heard some stuff about minors not being able to get insured etc. and none of this is true. I just went out and got liability insurance. I am insured by Grange. I pay $502 a year for 300,000 liabilty and coverage on my Z. The insurance man said that I am the youngest person he has ever signed a business policy to. He lectured me for over an hour about being safe, but he finally wrote me up a policy He showed me a recent claim that he got from another LCO. Some little girl had gotten run over by a ZTR with the blades on and she lost her left shoulder. He said that that it was going to cost 250,000+ in medical bills. Anyways, I just feel much better now when I go out to mow.