How many people run there business without insurance?


LawnSite Member
Woodbridge, NJ
How many people who have full time jobs actually cut lawns on the side? Just as a part time gig? Do you run your "business" without insurance? I know its risky, but just looking to see how many actually do it. Cause really if you have 10 or less lawns a week, its almost not worth filing it for taxes, etc


LawnSite Gold Member
Funny you should ask as I am sitting here looking at the insurance bill and can't pay it yet, then I think back to that wonderful morning I cut a gas line trimming shubbery and hear that wonder hissing sound on a quarter mil house with no insurance.... yeah, I will find a way to pay it!!


LawnSite Member
Springfield MA
insurance is cheap compared to a mess up. Get it because its worth the monthly payment rather than going bankrupt. Dont think for one minute that you will not mess up because everybody messes up every once and a while and insurance keeps you safe.

Darryl G

Yah, it's worth loosing everything you have and going to jail to save a few bucks. That way you can undercut all the legitimate businesses and steal their customers.


LawnSite Bronze Member
It is not an if you get caught, it is when you get caught.

10 lawns should be around $250-$400 per week, just income tax alone should be $40-$60 on that. Now multiply that by a minumum of say 28wks and you are well over a grand in taxes at the end of the year. Do that for a few years and you are going to have a large chunk of change you will owe when you get audited.

Plus you just posted on a public forum that you are interested in breaking the law. :hammerhead:


Longview, TX
Didn't have insurance when I started at age 16 and had less than ten yards. Now I have insurance because it is relatively inexpensive compared to what I make and also gives me that peace of mind.

DA Quality Lawn & YS

LawnSite Fanatic
Rochester, MN
Would be best to have GL - not safe to do biz without it.
Most commercial bids aren't even possible without presenting an Insurance Cert with the bid.

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