I'm returning from college to my small hometown to mow lawns again this summer. With a 72" Chopper and a Hustler Shortcut, my company is a virtual monopoly around town. I have a kid that helps me out when I'm not around. (Technically he's a sub contractor - he pays rent on my equipment to mow when ever and what ever he chooses) That said, I have a question reguarding liability insurance: Are my mowers insured when someone else is operating them? Ok, thats real messy, here's a concrete senerio. My company is XYZ Mowing. Cousin Fred mows while I'm out of town doing business as XYZ Mowing. Are the mowers insured or is the company insured against liability? Thanks for your help...I've really enjoyed the bantor on the site and many things will change this summer for my business.