Every summer there are a few people in the neighborhood you mow for.
One afternoon as a car drives by your mower picks up a rock and it darts through the window and hits the driver in the eye. They are pursing legal action against you.
Are you covered?
Do You Get Paid?
If you’re helpng a neighbor out of the goodness of your heart, your homeowners personal liability will extend to cover you, up to the policy limits by providing defense costs and pay for damages if you’re found negligent.
However, if you accept compensation to mow the lawns you need a Commercial General Liability policy.
Your homeowners insurance is not designed to provide coverage for business activities.
Running a business without the proper insurance is like mowing naked. It’s probably not the best site and it’s not safe.
Music Credit: Tenfold – Kevin Lavitt x Blu Majic Beat Co