This is year 2 for me and I feel I need to have insurance for my 15-20 clients I mow. I dont think Statefarm offers this for my business. If I shoot a rock and break a window or worse yet, someone gets hurt from one of my mowers.... I want to know it will be covered. Can you tell me who you use and perhaps the monthly (or yearly) price? Also, do you need fulll year round coverage? When I had a mortgage it was O&E insurance I needed to have. I dont know who or what type of insurance is needed.