I have been in the mowing and landscape maintenance business for over 20 years. I have many upper income accounts and have never been asked if I have workers comp. I am fully insured,etc but chose not to have workers comp on myself or my wife who works the business with me. Today I was asked this question from a client that I have had for around 5 years as a mowing only . Actually the person was the cpa of my client who handles their book keeping. I told her that I was fully insured against damaging property. She was concerned that if my mower tipped over on her hillside and cut my leg off I could sue them The interesting kicker here is that I just landed the landscape maintenance job on her property for 2000.00 because her old company was doing very poor job and the book keeper wanted her nephew who is unemployeed ? to do the job and my client wanted me to do the work I was just curious if anyone else has workers comp and no employees.