Re: Man with an excavator here. Considering doing a little "for hire" work.
And a dump truck...
And liability insurance.
I've owned a number of businesses. The liability and associated insurance costs can be, imho, over whelming. Just turn on tv. There are boo koo lawyers ready to sue anybody for anything, don't matter what, why ,who, just how much$.
Commercial ins much higher that home owners. And then your employee hurts himself and baby, that opens the flood gates. Your employee might end up emotionally disturbed and all that counciling. .
If you need a helper, an employee, good luck. I know, i know, there are wonderful employees out there, I had a couple, good luck.
Litigation........ should you get sued, some lawyer is gonna crawl up there for 6-18 months and brother, it starts to hurt. Then the other guys lawyer crawls up there and after, 18 months, you settle out of court, almost always. The guy that sued you loses and you lose.....hmmmmmmmm who's the winner?
It can be done and good luck and i respect anyone for trying a new venture, i sure did. But somehow try to protect yourself from legal actions that could put you under, they cost me my career!
I'd rather have shingles than deal with lawyers, at least in their arena !