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2,550 Posts
I was just looking for my hot button when I realized you're STANDING ON IT!

Plain and simple, you need the insurance. How will you keep food on the table when your earning potential for eternity is attached after losing the lawsuit where your cousin got hurt and sued you and your customer?

It is part of the cost of doing business. It is a legal and moral obligation on your part as an employer.

The same thought process will explain how you are doing your guys a favor by paying them cash after dark, saving them oodles of tax money.

Just so you know where I am coming from.

The cost of insurance isn't going to vary too much from company to company. Spend and afternoon on the phone and get the quotes, pay your premium, do your part.

Good Luck
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