As I was looking around in this part of the board I noticed some questions about insurance. This is why I have it. Years ago right before I started my LCO I was mowing a sisters 5 acres. Its right on a fairly busy corner in a very well to do area. As I was mowing along the street the blades grabbed a exhaust hanger(near as could be figured out later. It was about 1/8th in dia, 8" long, had a few 90 bends in it and a broken weld) I heard it hit but didnt see anything so I started mowing again. Well that peice of metal flew out from my deck across a lane of traffic - broke through a side window of a school bus (full of grade school kids on their way home) struck the ceiling of the bus(leaving a good size dent) and ended up on a kids head. Somehow No kids were hurt badly. The ones sitting by the broken window were talking to other kids facing away from the windows. They just had some glass in their hair and down their shirts. When the peice hit the ceiling it pretty well stopped all forward motion so that it just landed on the kids head. He had a small scratch from it. Not enough of a scratch to require stiches. Tetnus booster to be safe. For maybe a half hour or so I watched as the bus sat at the side of the road. There was an ambalance and some cops. I figured somthing had happened but still had no idea what. Finally a Sherrif drove up the drive to where I was with his lights on. He asked me about what I had seen & what I was doing there. I told him that it was my sisters house that she rents & I was doing it since their tractor had broken. (All true) That was when I found out what had happened. I had to prove to him that it was my sisters house (used pics of me and her growing up and as adults). In the end I was not held liable for anything since I was just being a helpfull brother for a sister in need of a mowing. The parents involved were just thankfull that their kids were safe and not hurt. I wonder what would have happeded if I was a scrub trying to make money mowing her yard. I do believe that things would have turned out greatly differant for me. When I decided to start using my equipment to make money Liability Insurance was first and formost on my list of things to do. At about a buck a day for a million dollars worth of insurance it is paid willinglly every year. (buck a day figured on 7 months of mowing a year for me) My advice? We cant afford NOT to have liability Insurance.