You have started your lawn care business . You are cutting a customer lawn and a stone is picked up by your mower and crashes through the rear window of their car that is parked in the driveway. Who is responsible for the replacement of the window ,the landscaper or the homeowner . Should a compromise be made the landscaper pays half and the homeowner pays half. This brings up the question of insurance. If your only cutting a few lawns a week is it worth having insurance.