This is a very important thread so I am posting it in all the major sections. I hope that the moderators allow it to say. We had an incident this past weekend that exemplifies why you need to carry insurance. We have been in business for about 25 years and never had a major claim. Our business has 3 divisions-pool service, grounds maintenance, and landscape construction This past weekend one of the new ocean front condos where we service the pool burnt to the ground. The pool heater malfunctioned and caused over $6million worth of damage. Although we have never worked on the unit, we use the local gas company for that, we are still being sued (as is everyone else associated with the complex). If it were not for our liability policy we could not afford the legal battle that is coming. We will not be liable, it will be the issue of the company that installed the heater, the heater manufacturer, or the company that serviced the heater (has never worked right in the year it has been in). Even though we will not be liable, we are still being sued, and if we had not had adequate insurance then we would be bankrupt from the legal fees associated with this problem. This is a prime example of why you need business insurance. Something can happen at a property you maintain. Although it may be no fault of yours, you can still have consequences.