</font><font color="blue" class="small">( I would say that if the average home owner wants a garden he goes and rents walk behind tiller.. Price how much it cost to rent one of those and you can figure what someone would pay for your service.... I don't do hired work for folks because I don't have any liability insurance.... I do whatever I can for the neihbors for free because then I am only expected to perform like a reasonable person... If you take pay you are expected to act like a pro...... therefor your liability is very high....... )</font>
1.) I carry liability Insurance already. I do bush hogging and new lawn installs. I have to have the insurance for that venture.
2.) With-out a doubt in my mind, 90% of the people I do tilling for wouldn't rent one and do their own gardens for love, nor money. In fact, I do several each year for people who OWN a tiller already. They just don't want to do the entire garden at one shot.
3.) Even with your doing work for free, you take on a certain liability when you do perform work on someone elses land. Just hit a buried gas line or phone cable, or an electric line and see if you don't.... MAYBE the land-owner will absolve you, but the utility companies generally won't.
4.) I do a few gardens for free. (a couple neighbors, my sister, my mother-in-law....well... maybe THAT ONE'S not really FREE...) I approach anything else as a business. I own my equipment to MAKE ME MONEY. If they didn't they would be a liability and not an asset to me. If that was the case, I'D be paying someone to till MY garden.
I don't expect everyone else to think within the same "box" as I do, but please understand that this is a well thought out business venture, which has supported my family for close to 30 years now. I ENJOY doing what I do, but it's still WORKING FOR A LIVING!