no offense usa lawn care, but this is one of the most ridiculous comments as well as advice i have ever heard.
insurance is not a option its the law.
by telling someone it is ok to not have insurance in a public setting such as this sends the wrong message to new guys starting out and more often then not sets them up for disaster.
liability insurance for a small guy starting out for a year cost less then a commercial grade back pack blower and if you can not afford to do it then maybe you should delay starting a business.
having insurance is more critical then having all the equipment you need.
i agree with you that he at least had enough sense to inquire about it and possibly take action but i would classify it more as intuition then good business sense.
i know things are tough when starting out but it is no excuse to take short cuts and i know this may seem as if i am being a jack a z z but the fact of the matter is i am trying to help and i would hate to see someone get screwed over by themselves for taking such action and like i said if you can't do it right then don't do it at all.
i know i am new to this forum but i am not new to the industry and the simple sad truth of the matter is if you are not ready to do it right then wait until you can.
since i been veiwing this forum i see a lot of young kids coming here seeking advice and everyone has a business plan and everyone wants their truck all lettered and have big bad azz T shirts made and business cards and let the whole world know they are open for business with some fancy flyers and they think that is all they need to get going and when they start making the big bucks everything will take care of itself.
my advice to anyone looking to work without at least general liabillity and commercial auto insurance should hold off on the T shirts and lettering for their trucks and anything else because in this day and age with all the law suit happy people roaming the streets all it takes is a fender bender at a intersection to make someone think they just won the lottery because they just got hit by a truck that belongs to a business.
i seen so many guys start out that way and at first they worry about it and after a while it gets put on the back burner and then each time they have a equipment failure or a unexpected expense and business is not happening as quickly as they anticipated the insurance keeps getting put on the back burner and eventually the laws of averages start to work against you.
no one plans on getting into a accident and if they did it would not be called a accident and that is what insurance is for and it is the only thing that is gonna help when the crap hits the fan and even though it cost a good penny that is the one thing you pay for that you never want to use.
if i was a homeowner and i found out a guy i had hired did not have the proper insurance i would tell him to get off my property asap and i don't know anyone with half a brain that would not do the same.
if anyone here thinks i am being too harsh or even coming off as a pompus azz, i welcome them to come back and flame away and throw all of the stupidest excuses you can think of at me to prove me wrong which i know in my heart of hearts that i am spot on because i would rather come accross as that and giving sound advice then throw a line of crap like that at someone that it is ok to not protect yourself when you are starting out with the proper insurance.
it may be harsh but it is the truth and i rather tell it like it is then sugar coat it.