dont bother with insurence waste of money never used it in 30 years
Is that you bob?
All insurance is a waste of money 99% of the time. Question is are you willing to ruin yourself if that 1% happens. You remind me of those people you see on the news whose house has burnt down or flooded and then they say they are not insured, fail.
Take someone's eye out with a flying rock from your mower/trimmer and you will be up for being sued in the 6 figures, that no doubt means losing your house. Already mentioned, liability insurance is also required for just about any commercial or government work, even real estates.