Around me people just want you to be insured. I'm a small guy so I can bring in a buddy who has it to help me. Once you step off the ground the insurance company deems it risky business my decent quotes we're all about 12-1500 a year. All for only an estimated 15 k a year in profit. I have signed a waiver of release for customers holding me responsiable for damages and releasing them from a lawsuit if injury occurs. I have a tight knit crew that is big on safety. I've ate a few minor damages but it always has cost me less than my policy. I'm starting to rapidly grow this year and plan to use my additional revenue to get some just in case I need it and because I will get more work
Digging up an old post, but any chance you’d be interested in sharing your waiver with me? I don’t do enough business to make it cost effective to buy insurance (few jobs a month, mainly to get firewood). I would like the peace of mind though, and have something to ease concerns of potential customers. Until my business gets big enough to require it anyhow.